Pension Consolidation
Compare scattered workplace pensions and decide whether combining them improves charges, flexibility, and oversight — without rushing a transfer.
Read about this consultationWales · Great Britain
Keystone Frame Financial Advisory
Independent UK financial advice for people sorting pensions, later-life income, and the practical questions that sit between a spreadsheet and a good night’s sleep.
Flagship consultation
Retirement Income Planning
Map workplace pensions, State Pension timing, and drawdown choices into a written plan you can revisit — not a one-page product leaflet.
- Fact-find of pots, expenditure, and tax wrappers
- Two or three cash-flow scenarios for early retirement years
- Follow-up call within four weeks of the written plan
Related consultations
Advice that fits the decision in front of you
From scattered workplace pensions to protection after a remortgage — each engagement has a defined scope and fee basis.
Inheritance Planning
A careful walkthrough of nil-rate bands, gifts, and estate shape — focused on family intentions rather than product sales.
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Life & Protection
Assess life cover, critical illness, and income protection against mortgage and family commitments so gaps are visible before a claim is needed.
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Investment Review
Revisit risk tolerance, time horizon, and existing ISAs or general investment accounts after a life change or market period of unease.
Read about this consultationHow we work
Meetings with paperwork you can keep
Every consultation begins with an introductory call, a document checklist, and a clear fee before the main session. You leave with notes that name pensions, cover, and next steps — not a vague summary slide.
See the engagement steps
From clients
Specific decisions, stated plainly
“The retirement income plan laid out three cash-flow paths for our two workplace pensions and State Pension. We still needed a second evening to absorb the tax sequencing, but the written summary made the follow-up call productive.”
“I almost transferred four old pensions into one account for convenience. The consolidation review flagged a guaranteed annuity rate I would have lost. Keeping that scheme and moving the others was not the tidy answer I expected — it was the right one.”
Guides
Notes from recent pension and estate conversations
11 November 2025
When to Take Your State Pension: Timing Questions Worth Asking
Deferring the State Pension can raise the weekly amount, but only if your other income fills the gap. Here is how we walk clients through the trade-off.
Continue reading2 September 2025
Reading the Small Print on Old Workplace Pensions
Guaranteed annuity rates and exit charges still hide in older schemes. Before consolidating, check what you might give up.
Continue reading17 June 2025
Gifting During Lifetime and the Seven-Year Rule
Large gifts can reduce an inheritance tax bill if you survive seven years — but annual exemptions and lifestyle needs still come first.
Continue reading