Time to consolidate your old pension pots?

Not all pension plans give you full control on how you use your retirement savings, but they may offer other valuable guarantees worth holding on to.

When you’ve decided how you want to use your retirement savings, it’s worth seeing if you can better meet your needs by transferring any old plans you might have to the Trust. There’s no guarantee you will get a better outcome, but it is an option you need to consider.

If you are unsure about your choices, you might want to get independent financial advice. You can find a financial adviser on your doorstep at www.unbiased.co.uk or www.vouchedfor.co.uk. You will have to pay for any advice you receive.