Combine Your Pensions in Modbury
Lost track of old pensions from different jobs? Many people in Modbury 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 Modbury, 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 Modbury, 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 Modbury and your pensions
Modbury has the amenities of a proper small country town, a characterful high street with independent shops, galleries, pubs and cafes, a primary school, a GP surgery, a church and community events like Modbury Fair, with farm shops, the coast and the countryside close by.
A little about Modbury
Where Modbury is
Getting around Modbury
The big everyday pluses are the character, the more affordable prices, the genuine full-time community and the easy reach of Plymouth, the A38, the South Devon coast and Dartmoor. Modbury has a GP surgery in the town, with a pharmacy for everyday needs, and Kingsbridge’s community hospital, South Hams Hospital, provides a Minor Injuries Unit around twenty minutes away.
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 Modbury life you want.
Living in Modbury: the honest view
- A characterful hilltop Georgian market town
- More affordable than the South Hams coast
- A genuine full-time community, not a resort
- Well placed for Plymouth, the A38 & the coast
- Modbury Primary (Good) in the town
- A characterful independent high street & Modbury Fair
- No railway station (nearest Ivybridge/Totnes)
- A small rural town, limited town-centre services
- No secondary school, children travel to Ivybridge or Kingsbridge
- No dual carriageway in the town, car-dependent
- Nearest full A&E is at Plymouth (~30–40 min)
- Listed and period homes need consents and survey work
What life costs in Modbury
Retirement is about what your pension has to cover. Here is roughly what living in Modbury costs today, a useful anchor when you picture the income you will need.
| Typical cost | Amount | Notes |
|---|---|---|
| Council tax (Band D, 2026/27) | £2,583.88 | Devon CC + police + fire + South Hams district + Modbury parish precept, confirm your band; a second-home premium can apply |
| Buildings insurance | Varies, mostly low flood risk | Mostly low flood risk (a hilltop town), though surface-water risk on the lower main street can affect some homes; get a quote and flood check before committing |
| Water & wastewater | ~£500–£800/yr | South West Water area, check the supplier for the address |
| Broadband | ~£30–£50/mth | Superfast almost everywhere; gigabit full-fibre across much of Modbury, check the address |
Figures are indicative and change each year, always confirm current rates for your exact address and council tax band.
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 Modbury
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 Modbury, the place your pension pays for
A quick sense of Modbury, the place your pension is helping you enjoy in later life.
The slate-hung Georgian main street
The steep main street of distinctive slate-hung Georgian houses, the characterful heart of Modbury and the legacy of its medieval wool wealth, lined with independent shops, galleries and pubs.
The first plastic-bag ban in Europe
Modbury’s genuine claim to fame, in 2007 it became the first town in Europe to ban single-use plastic bags, after a local campaign, putting the town in the news around the world.
Modbury Fair
Modbury Fair each May, a long-standing country fair and street event that gives the town a real sense of community and tradition.
The South Devon Chilli Farm
The South Devon Chilli Farm at Loddiswell, a short drive south, a popular family visit, farm shop and cafe.
Burgh Island & the coast
Burgh Island and the beaches at Bigbury and Bantham, a short drive south, the famous Art Deco island, the sea tractor and some of the finest beaches in South Devon.
The South Devon countryside & AONB
The rolling South Devon National Landscape (AONB) around the town, with Dartmoor to the north, beautiful countryside and walking on the doorstep.
Check broadband before you make an offer in Modbury
Broadband speeds can vary street by street in Modbury, 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 Modbury?
Should I combine my pensions in Modbury?
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 Modbury?
We are an introducer, not a pension adviser.
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