I originally spoke with John in 2024, who was looking to get a good understanding of his financial future, and when he could ultimately look to retire. John had worked for several companies and had several pensions with varying levels of risk and complexity.

After a thorough review of his old pensions, a few of them had benefits attached that would be lost if transferred away and therefore it was not in his best interest to take financial advice at that stage, however I agreed to keep an eye on things and reach out if things changed. Fast forward 18 months, we agreed to consolidate all old plans, and increased contributions to mitigate his retirement shortfall. We also amended the investment risk to a more appropriate level.