Consolidate Pensions London – Expert Guidance
Simplify your retirement planning in London. Get matched with FCA-regulated pension advisers who can help you combine multiple pensions into one easy-to-manage pot.
- Free, no-obligation consultation
- FCA-regulated advisers only
- Expert guidance for your situation
- Response within 24 hours
Get Your Free Consultation
Fill in your details and we'll match you with a specialist adviser
Why Choose Find Adviser?
We connect you with trusted, FCA-regulated financial advisers who specialise in pension consolidation
FCA Regulated Partners
Every adviser in our network is authorised and regulated by the Financial Conduct Authority
5-Star Reviews
Rated excellent by thousands of customers across the UK for our pension consolidation service
Secure Data Handling
Your personal information is protected with bank-level encryption and GDPR compliance
Expert Pension Specialists
Advisers with 10+ years average experience in pension transfers and consolidation
No Hidden Fees
Our matching service is completely free. Any adviser fees are clearly explained upfront
Fast Response Time
Get matched with a suitable adviser within 24 hours of submitting your enquiry
What is Pension Consolidation?
A complete guide to consolidating your pensions in London
Who Can Consolidate Pensions?
- UK residents with multiple pension pots from different employers
- Individuals typically aged 21 or over with workplace or personal pensions
- Those not currently in active bankruptcy proceedings
- People looking to simplify their retirement planning
Benefits of Consolidating
- Easier management with one pension pot to track
- Potentially lower fees and charges overall
- Access to better investment options
- Clearer picture of your retirement savings
Risks to Consider
- Exit fees or transfer charges from existing providers
- Potential loss of valuable guaranteed benefits
- Market volatility during the transfer process
- Loss of protected tax-free cash entitlements
The Consolidation Process
- Submit your details and get matched with an adviser
- Free consultation to review your pension situation
- Adviser handles paperwork and transfer process
- Transfers typically complete within 4-8 weeks
UK Pension Market in 2026
The UK private pension market holds over £2 trillion in assets, with approximately 1 in 3 adults having multiple pension pots that remain unconsolidated. The average transfer value is around £50,000, and demand for consolidation services continues to grow amid economic uncertainty.
Auto-enrolment has led to many workers accumulating pension pots with each new employer. Without consolidation, tracking and managing these pots becomes increasingly difficult as retirement approaches, potentially leading to lost pension savings.
What Our Customers Say
Join thousands of satisfied customers who have simplified their pensions
"I had 5 different pension pots from various jobs over the years. Find Adviser connected me with an excellent adviser who helped consolidate everything. The process was smooth and I now have a clear view of my retirement savings."
"Very professional service. The adviser took time to explain everything and identified that one of my old pensions had guaranteed benefits I shouldn't transfer. Really valuable advice that saved me money."
"Quick and efficient. I filled in the form and received a call within a few hours. My pensions are now consolidated and I'm paying lower fees than before. Highly recommend Find Adviser to anyone looking to simplify their pensions."
Frequently Asked Questions About Consolidating Pensions
Find answers to common questions about pension consolidation
What is pension consolidation?
Pension consolidation is the process of combining multiple pension pots from different employers or providers into a single pension scheme. This can make your retirement savings easier to manage and track.
Is it free to consolidate my pensions?
Getting advice through Find Adviser is completely free. Your matched adviser will explain any costs associated with transferring pensions, which vary depending on your current providers and the receiving scheme.
How long does pension consolidation take?
The consolidation process typically takes 4-8 weeks, depending on your current pension providers. Some electronic transfers can be completed faster, while others with paper-based processes may take longer.
Will I lose any benefits by consolidating?
Some pensions have valuable benefits like guaranteed annuity rates, protected tax-free cash, or final salary benefits. A qualified adviser will review your pensions and ensure you don't lose any valuable benefits.
Do I need to have a minimum pension value to consolidate?
There's no minimum value required to consolidate your pensions. However, advisers typically recommend consolidation for those with multiple pots or combined values over £10,000 to make the process worthwhile.
Important Information
This website provides general information only and does not constitute financial advice. The value of pensions and investments can go down as well as up, and you may get back less than you invested.
Any advice will be provided by qualified, FCA-authorised financial advisers. Find Adviser is an introducer service and is not regulated by the Financial Conduct Authority. We connect you with regulated advisers who will assess your individual circumstances.
Content reviewed by Find Adviser pension experts with 10+ years experience. Last updated: January 2026.