In brief
Bring recent pension statements, contribution details, information about guarantees and charges, a State Pension forecast, and a picture of your goals and spending. A review should start with what you already have before considering whether anything should change.
Start with what you already have
Gather recent statements for workplace and personal pensions, details of contributions and any retirement dates you have in mind. Include paperwork for any guaranteed annuity rates or protected tax-free cash rather than assuming all schemes operate identically.
Bring your goals into the conversation
Think about your expected household expenditure, other assets, and any financial legacy you hope to leave your family. A State Pension forecast provides a valuable baseline alongside your private arrangements.
Take time with any proposed change
Management charges, investment performance, fund choices and death benefit terms must all be evaluated. Combining pensions is not always beneficial; a regulated review ensures any recommendation aligns with your overall estate and retirement strategy.
Source: MoneyHelper: Pensions and retirement