Planning for retirement involves a range of important decisions, and understanding how to manage pension funds effectively can make the process clearer. Over time, it’s common for individuals to accumulate multiple pensions from different employers or providers, which can make it difficult to keep track of performance and future income.
In some cases, consolidating these pensions into a single plan can help simplify management, improve oversight, and make long-term planning more straightforward. However, it’s important to consider the potential advantages and drawbacks carefully, as the right approach will depend on individual circumstances, goals, and existing pension arrangements.
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Editor’s Notes
Published in The Herald Business HQ September 2025
Written by Associate Financial Planner, Paul Ross.
The content of this article should not be regarded as advice. When considering Investments, independent financial advice should be sought.
Acumen Financial Planning Ltd is authorised and regulated by the FCA, FRN 218745.