Pension Consolidation Advice
Independent guidance on whether to combine old workplace pensions — including defined-benefit transfer risk notes where relevant.
View consultationEngland · Independent advice
Beacon Wealth Counsel
Steady guidance on pensions, investments, and family wealth — so you can decide with a clear map rather than market noise.
Advice that begins with your balance sheet, not a product list
We sit with directors, professionals, and multi-generational families across England who need a second pair of eyes before moving ISAs, consolidating pensions, or funding a business exit. Sessions are conversation-led, fee-transparent, and grounded in UK tax wrappers and regulation.
Flagship engagement
Wealth Planning Review
A structured four-week engagement that maps income, pensions, protection, and estate intentions into one written plan you can act on with your accountant or solicitor.
- Full cash-flow and tax-wrapper inventory
- Pension consolidation options with transfer risk notes
- Protection gap analysis for dependants
- Written recommendations and a ninety-day action list
Related consultations
How clients typically work with us
Business Owner Exit Planning
Pre-sale and succession consulting for owner-managers who need personal wealth advice alongside company exit timing.
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Family Inheritance Conversations
Facilitated sessions that help adult children and parents discuss wills, gifting, and care funding without rushing legal documents.
View consultationRead more client storiesThey held us back from transferring my husband’s defined-benefit pension until the CETV and lifetime-income trade-offs were written down side by side. We still took six weeks longer than we’d hoped — and that pause was the point.
Ready to bring your figures to the table?
We reply within two working days with availability for a complimentary thirty-minute discovery call.
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