Pension consolidation review
Compare old workplace and personal pensions, weigh transfer costs against clearer oversight, and decide what should stay put.
View detailsWales-based · UK-wide clients
North Ledger Advisory
We sit with the paperwork that usually lives in different drawers — workplace pensions, ISAs, old personal plans — and turn it into a plan you can follow through the next decade.
Flagship engagement
Whole-of-wealth financial advice
Our flagship consultation maps income, pensions, investments, protection, and inheritance wishes into one coherent picture. You leave with written recommendations, fee transparency, and a clear sequence of actions — not a stack of product brochures.
Most households begin here when a career change, retirement window, or family event makes the old “we’ll sort it later” approach feel risky.
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Related consultations
Where households usually start
Each engagement is scoped to a real decision — consolidating pensions, preparing for drawdown, or shaping a gift that will not leave the next generation with avoidable tax friction.
Pre-retirement income planning
Shape how salary, pensions, and savings will fund the years after you stop full-time work — including drawdown timing and tax bands.
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Inheritance & gifting conversation
Talk through lifetime gifts, nil-rate bands, and how property or pensions pass to the next generation — before solicitor drafts begin.
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From the Cormier Heath desk
Advice shaped by local life and UK rules
We work from 266 High Road yet advise clients across England and Wales. Conversations cover state pension timing, salary sacrifice, SIPP drawdown, and the practical limits of gifting while you are still alive — always against current HMRC and FCA expectations for regulated advice.
Meet the advisory team“They spent two meetings on our three workplace pensions before mentioning a single fund switch. That patience mattered.”
— Elaine R., Cardiff, pension consolidation
Client evidence
What people notice after the first review
The cashflow chart finally showed why our ISA contributions felt tight every March. We adjusted the monthly transfer, not the holiday budget.
I wished they had pushed harder on life cover earlier — I delayed that piece for six months. The inheritance letter they drafted still helped my sister and me stop arguing over Mum’s house.
Ready to open the folders?
Bring pension statements, recent payslips, and any old personal plans you can find. We reply within two working days with next available consultation slots.