Combine Your Pensions in Shoreham-by-Sea
Lost track of old pensions from different jobs? Many people in Shoreham-by-Sea 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 Shoreham-by-Sea, 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 Shoreham-by-Sea, 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 Shoreham-by-Sea and your pensions
Shoreham-by-Sea has the amenities of a thriving coastal town, independent shops and a market, supermarkets, primary schools and secondary provision, sports clubs, GP provision, and a strong community, along with the beach, the port, the River Adur and the South Downs behind, and Brighton, Hove and Worthing each a short trip for bigger shopping and services.
A little about Shoreham-by-Sea
Where Shoreham-by-Sea is
Getting around Shoreham-by-Sea
The big everyday pluses are the coast, the character, the connectivity and Brighton next door. The town has GP provision locally, with dentists and pharmacies in the town; the nearest hospitals with a major A&E department are Worthing Hospital, a few miles to the west, and the Royal Sussex County Hospital in Brighton, to the east.
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 Shoreham-by-Sea life you want.
Living in Shoreham-by-Sea: the honest view
- A characterful coastal town
- The port, the beach & the houseboats
- Its own station & the A27 near
- Brighton next door
- The old town, St Mary de Haura & Marlipins
- The South Downs behind & the seafront
- Prices above the national average
- The town’s own trains reach London via a change
- A tidal Adur / coastal flood-risk consideration
- Beachfront & houseboat homes need careful survey & lending
- Period homes need careful survey & checks
- A sought-after market, competition for the best homes
What life costs in Shoreham-by-Sea
Retirement is about what your pension has to cover. Here is roughly what living in Shoreham-by-Sea costs today, a useful anchor when you picture the income you will need.
| Typical cost | Amount | Notes |
|---|---|---|
| Council tax (Band D, 2026/27) | £2,535.33 | West Sussex, Shoreham-by-Sea, confirm your band |
| Buildings insurance | Varies, check near the Adur & the beach | Tidal and coastal flood risk in low-lying spots can affect premiums; get a quote and flood check before committing |
| Water & wastewater | ~£500–£800/yr | Southern Water area, check the supplier for the address |
| Broadband | ~£30–£50/mth | Superfast widely available; gigabit full-fibre in parts, 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 Shoreham-by-Sea
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 Shoreham-by-Sea, the place your pension pays for
A quick sense of Shoreham-by-Sea, the place your pension is helping you enjoy in later life.
Shoreham Beach & the houseboats
The long shingle spit at the mouth of the River Adur, with its wide beach and the eclectic houseboat community moored on the river, one of the most distinctive sights on the Sussex coast.
Shoreham Port
The working commercial Shoreham Port stretching along the shore, timber, aggregates and a fishing fleet, with a lighthouse and quays that give the town its maritime character.
St Mary de Haura
The great Norman church at the heart of the old town, one of the finest medieval churches on the coast, a landmark of Shoreham for centuries.
The Marlipins Museum
A rare surviving Norman secular building, with its distinctive chequered flint-and-stone front, now the Marlipins Museum of the town’s maritime and local history.
Shoreham Airport
Brighton City Airport the oldest purpose-built commercial airport in the country, with a beautiful listed Art-Deco terminal of 1936 that still serves general aviation.
The Adur Ferry Bridge
The elegant footbridge across the River Adur (2013), linking the old town to Shoreham Beach, a lovely walk with views of the river, the port and the sea.
Check broadband before you make an offer in Shoreham-by-Sea
Broadband speeds can vary street by street in Shoreham-by-Sea, 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 Shoreham-by-Sea?
Should I combine my pensions in Shoreham-by-Sea?
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 Shoreham-by-Sea?
We are an introducer, not a pension adviser.
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