Combine Your Pensions in Kingston upon Thames
Lost track of old pensions from different jobs? Many people in Kingston upon Thames have several, and combining the right ones can make them simpler to manage and plan around. Whether you are looking for a pension adviser in Kingston upon Thames, pension advice, or just to combine your pensions, here is the honest local picture, and how we connect you to a regulated adviser.
If you have pensions scattered across old jobs in and around Kingston upon Thames, bringing the right ones together can make them simpler to manage and easier to plan around, though it is not right for everyone. Here is the honest local picture.
Living in Kingston upon Thames and your pensions
Day to day, Kingston is an ancient riverside market town at the heart of south-west London, the Coronation Stone and All Saints Church, the Market Place and the Bentall Centre, the Rose Theatre and the Thames riverside, with fast Waterloo trains and Richmond Park on the doorstep.
A little about Kingston upon Thames
Where Kingston upon Thames is
Getting around Kingston upon Thames
Here is a sense of everyday life. An ancient riverside market town at the heart of south-west London, the Coronation Stone and All Saints Church, the Market Place and Market House, the Bentall Centre and Eden Walk, the Rose Theatre and Kingston University, and a lovely Thames riverside, with fast South Western Railway trains into Waterloo, some of London’s best-known grammar schools, and Kingston Hospital and its A&E close at hand.
Retirement is about more than money, it is the life your pension pays for. Combining old pots into one place can make it simpler to plan for exactly the Kingston upon Thames life you want.
The risks, please read this first
Combining pensions can help, but it is not always right, and getting it wrong can be costly.
Defined-benefit pensions
Final-salary and public-sector schemes promise an income for life. These are usually best left where they are.
Guarantees you could lose
Guaranteed annuity rates, protected tax-free cash or a protected early pension age can be worth a great deal.
Exit penalties & perks
Some older plans charge to leave, or come with employer top-ups or life cover you would give up.
The pot stays invested
A combined pot remains invested, so its value can fall as well as rise. You may get back less than was transferred in, and that risk sits with you, not the scheme.
How combining your pensions works
Track down every pot
Old workplace and personal pensions, plus anything found via the government Pension Tracing Service.
Check what each one is
Defined-benefit or defined-contribution, the guarantees, the charges and any exit penalties.
Get regulated advice
An FCA-regulated adviser recommends which (if any) to combine, and where to.
Combine only the right ones
Suitable pots are brought together; anything with valuable guarantees stays put.
Who it suits, and who it doesn’t
- Several small defined-contribution pots from past jobs
- Old plans with high charges or dated funds
- Wanting one place to see and plan your retirement
- Final-salary / defined-benefit pensions
- Guaranteed annuity rates or protected tax-free cash
- Pensions with valuable employer top-ups or life cover
Finding lost pensions in Kingston upon Thames
The average worker changes jobs many times, and old pensions are easily forgotten. If you think you have pots you have lost track of, these free government tools help you find them, then a regulated adviser can review each one before you decide.
Life in Kingston upon Thames, the place your pension pays for
A quick sense of Kingston upon Thames, the place your pension is helping you enjoy in later life.
The Thames riverside & Canbury Gardens
Kingston’s Thames riverside, the towpath, Canbury Gardens, riverside bars and boat trips towards Hampton Court and Richmond, is a defining part of the town and a genuine everyday pleasure.
The Coronation Stone & All Saints Church
The Coronation Stone by the Guildhall and All Saints Church recall Kingston’s role as the coronation town of the Anglo-Saxon kings. Athelstan was crowned here in 925.
The Market Place & the Bentall Centre
The ancient Market Place with its Market House, and the modern shopping of the Bentall Centre and Eden Walk, make Kingston one of London’s great shopping destinations, see the town centre what’s-on.
The Rose Theatre
The Rose Theatre on the riverside, a leading producing theatre bringing major drama, music and family shows to the town.
Richmond Park (Kingston Gate)
Richmond Park, London’s largest Royal Park with its ancient oaks and red deer, is right on Kingston’s doorstep at Kingston Gate, see the Royal Parks.
Kingston University
Kingston University brings a lively student, arts and cultural scene to the town, with campuses at Penrhyn Road, Kingston Hill and Knights Park.
Check broadband before you make an offer in Kingston upon Thames
Broadband speeds can vary street by street in Kingston upon Thames, so check the exact address before you commit. Ofcom's free checker shows which broadband speeds and mobile coverage are available at any UK property.
Check broadband at an address (Ofcom)
Want all your bills in one?
We can introduce you to a specialist who can combine your mobile, broadband and utilities into one bill. There's no fee for the introduction.
We don't provide these services ourselves. Switching household bills is not a regulated financial service, so FCA protections and the Financial Ombudsman do not apply. We'll only pass your details to the specialist if you ask us to. See our privacy notice.
Common questions
Can you help me find a pension adviser in Kingston upon Thames?
Should I combine my pensions in Kingston upon Thames?
Is pension consolidation a good idea?
Do you charge for the introduction?
What is the risk of combining pensions?
How do I find old pensions?
How do I check broadband speed at a property in Kingston upon Thames?
We are an introducer, not a pension adviser. Free and no obligation.
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