Discover What You're Truly Entitled To
Peace of mind comes from knowing your pension arrangements are exactly as they should be, with every year of service properly recognised and every benefit correctly calculated.
Back to HomeUnderstanding Your Full Pension Picture
Many people approaching retirement discover discrepancies in their pension records that could affect their financial security. Our comprehensive review brings clarity and confidence to your retirement planning.
Complete Clarity
You'll receive a thorough written assessment that explains your pension position in straightforward terms, identifying any areas that warrant attention and outlining your options moving forward.
Informed Confidence
Rather than wondering whether something might be amiss, you'll have professional assurance about your entitlements, allowing you to approach retirement with greater peace of mind.
Practical Recommendations
If we identify any concerns, we provide clear guidance about sensible next steps, whether that involves contacting providers, gathering additional documents, or considering formal representation.
Emotional Relief
The worry of uncertainty can affect your wellbeing. Having a qualified solicitor review your situation brings reassurance that you're not missing anything important.
Recognising When Something Doesn't Feel Right
Perhaps you've noticed figures that don't quite add up, or you're simply uncertain whether your pension statements reflect your full working history. These concerns are entirely valid.
Missing Years or Contributions
Employment records can be incomplete, especially if you've worked for multiple employers or had career breaks. Pension schemes sometimes fail to credit all your service years, which can substantially affect your retirement income. You might notice gaps in your statement or wonder whether part-time work or certain employment periods have been properly recognised.
Confusing Documentation
Pension statements often use technical terminology and complex calculations that make it difficult to understand what you're actually entitled to receive. You might have documents from multiple sources and struggle to piece together how they relate to each other, leaving you uncertain about your overall position.
Scheme Changes and Transfers
If your employer changed pension providers, merged schemes, or if you transferred benefits between plans, there's potential for errors in how your entitlements were calculated or transferred. These transitions can be complex, and mistakes during such changes might go unnoticed for years.
The Weight of Uncertainty
Not knowing whether you're receiving everything you should can create ongoing anxiety about your retirement security. You might delay important financial decisions because you're uncertain about your pension position, or worry that by the time any problems are discovered, it might be too late to address them properly.
How Our Review Brings Clarity
We take a methodical approach to examining your pension arrangements, leaving no stone unturned in our analysis of your entitlements.
Document Collection and Organisation
We begin by gathering all relevant documentation, including pension statements, scheme booklets, employment records, and correspondence with providers. We organise these materials systematically, creating a complete picture of your pension history from all sources.
Detailed Benefit Calculation Analysis
Our solicitors carefully examine how your benefits have been calculated, checking that service years are correctly credited, salary figures are accurate, and any applicable increases or adjustments have been properly applied. We verify that scheme rules have been followed and that your entitlements match what the documentation indicates you should receive.
State Pension Integration
We review your state pension forecast alongside your workplace pensions, checking for any interactions or factors that might affect your overall retirement provision. This includes examining contracting-out history and ensuring National Insurance contributions have been properly credited.
Written Assessment Report
You receive a comprehensive written report that explains our findings in plain English. This document outlines your current pension position, identifies any concerns or discrepancies, and provides clear recommendations about appropriate next steps if action is needed.
What Working Together Looks Like
We've designed our review process to be straightforward and reassuring, keeping you informed at each stage.
Initial Discussion
We begin with a conversation about your concerns and what you hope to achieve. This helps us understand your specific situation and tailor our review accordingly. You can ask any questions about the process.
Document Submission
We provide a simple checklist of the documents we need. You can submit these electronically or by post, whichever feels more comfortable. We acknowledge receipt promptly and let you know if anything additional is required.
Thorough Analysis
Our solicitors conduct the detailed examination of your pension arrangements. This typically takes around two weeks, during which we may contact you if we need clarification on any points. You're welcome to check in with us at any time.
Results Discussion
We arrange a time to discuss our findings with you, walking through the written report and ensuring you understand everything clearly. We explain any areas of concern and outline sensible options for addressing them if needed.
Throughout the Process
You'll find our team approachable and responsive. We understand this relates to your future financial security, so we treat your matter with the care and attention it deserves. We're available to answer questions and keep you updated on progress. If we discover concerns that require further action, we discuss this with you openly and help you understand your options without any pressure to proceed with additional services.
A Worthwhile Investment in Your Future
This straightforward fee covers all aspects of our pension rights review service. There are no hidden costs or additional charges.
What's Included
- Initial consultation to understand your situation
- Comprehensive analysis of all pension documentation
- Verification of benefit calculations and service credits
- Review of state pension integration
- Written assessment report in plain English
- Clear recommendations for any necessary action
- Follow-up discussion to explain findings
The Value Beyond the Fee
Consider what peace of mind is worth to you. Many people we work with have found that knowing their pension position is secure removes a significant source of anxiety about their retirement years.
If we do identify issues with your entitlements, the potential financial benefit could far exceed our fee. Missing service years or incorrectly calculated benefits can reduce your retirement income by thousands of pounds annually.
Even if everything is in order, you gain the confidence that comes from having a specialist confirm your arrangements are correct. That assurance supports better financial planning and allows you to make retirement decisions with greater certainty.
Why This Approach Works
Our methodology is designed around how pension schemes actually operate and the common areas where problems arise.
Focused Expertise
Because we specialise in pension law, our team understands the nuances of scheme administration and the regulatory framework. We know where errors typically occur and what documentation is needed to verify entitlements properly.
Systematic Process
Our structured approach ensures nothing is overlooked. We follow a detailed checklist that covers all aspects of pension entitlements, from basic service credits to more complex elements like protected rights and additional voluntary contributions.
Independent Assessment
As solicitors who aren't affiliated with any pension provider, we can examine your arrangements objectively. Our only interest is ensuring you understand your true position and receive what you're entitled to.
Clear Communication
Technical accuracy matters, but so does your ability to understand our findings. We present complex information in accessible language, supported by clear documentation you can refer back to.
What You Can Expect
Our Commitment to You
We want you to feel comfortable with this decision, so we've structured our service to remove any concerns about moving forward.
Transparent Service
You'll know exactly what we're doing at each stage and why. If anything unexpected arises during our review, we discuss it with you promptly rather than proceeding without your knowledge.
Honest Assessment
If we find everything is in order, we'll tell you so clearly. We won't create concerns where none exist. Our professional reputation depends on providing accurate, truthful assessments.
Professional Standards
Our work is covered by professional indemnity insurance and subject to regulatory oversight. You have the protections that come with instructing qualified solicitors.
No Pressure Approach
Even if we identify issues requiring further action, you're under no obligation to instruct us for additional work. We provide clear information about your options and respect whatever decision you make.
Taking the Next Step is Straightforward
Getting started with your pension review involves just a few simple steps.
Contact Us
Reach out by phone, email, or through our contact form. We'll arrange a convenient time for an initial discussion about your situation.
Share Your Details
After our discussion, we'll send you a straightforward list of documents we need. You can submit these in whatever way works for you.
Receive Your Report
We complete our analysis and provide you with a comprehensive written assessment, followed by a discussion to ensure you understand everything clearly.
Questions Before Starting?
We're happy to answer any questions about our review process, what documents you'll need, or how long things typically take. There's no obligation in getting in touch to learn more.
Ready to Gain Clarity About Your Pension?
Let us help you understand your true pension position and approach retirement with greater confidence.
Get Started with Your ReviewOr explore our other services if your needs are different
Our Other Services
We offer additional support for different pension-related concerns
Pension Dispute Resolution
If you're facing disagreements with pension providers or former employers, we provide dedicated legal support to help resolve the matter fairly.
Pension Sharing on Divorce
Thoughtful guidance through the complexities of dividing pension assets during relationship breakdown, ensuring your interests are properly represented.