You have spent years paying into pensions.
Do you know what they are worth?
You might have more than you think. Or less than you need.
You have pensions from old employers that you have never looked at. Private plans set up through banks that no longer offer advice. Workplace schemes you signed up to years ago and forgot about. Maybe a final salary pension you don’t fully understand.
It all adds up. But nobody has ever brought it together into one clear picture. So you don’t know what you have, what it is worth, or whether it is working as hard as it should be.
That’s where we can help. We trace your pensions, bring everything into one place, and show you exactly what you have and what your options are.
How we can help with your pensions:
01
Find out what you actually have
Most people have pension pots they have lost track of. Old workplace schemes, private plans, SERPS entitlements. We trace them all, bring them together, and give you a complete picture.
02
Understand if your pensions are working hard enough
Not all pension schemes are equal. Some charge high fees. Some are invested in funds that no longer suit your age or goals. We review every pension you hold, compare your options across the whole market, and show you clearly whether your money could be doing more.
03
Plan for what to do next
Should you consolidate? Leave a final salary scheme where it is? Start drawing income, or wait? We give you clear, independent advice based on your situation, not a product we need to sell. Every recommendation is tailored to you and your goals.
What the process looks like
The process is designed to be straightforward and low pressure, because getting your finances sorted should feel like a relief, not a chore.
01
A free intro call
A short, no-obligation conversation to understand where you are, what you are looking for, and whether we can help. No paperwork. No pressure. Just an honest chat about your situation.
02
Simple next steps
After the call, we send you a short email with a few straightforward actions to complete before we meet. Nothing complicated, just the basics we need to make the most of your time together.
03
Your discovery meeting
This is where we get into the detail. We look at your full financial picture, what you have, what you owe, what’s coming in and going out, and understand what matters most to you. This is the foundation everything else is built on.
04
We do the work
We research the whole market and build a plan tailored to your situation. No generic recommendations. No off the shelf solutions.
05
Your implementation meeting
We walk you through every option in plain English. You decide whether to proceed there is no pressure either way.
06
A plan in action
If it is right for you, we put the plan into action. And we stay with you, reviewing as circumstances change.
Your pensions are one of the biggest assets you will ever have.
Whether you are trying to track down old workplace pensions, wondering if you should consolidate, reviewing a final salary or defined benefit scheme, or simply want someone to explain what you have in plain English, the starting point is the same: get the full picture.
You don’t need to understand pension jargon. You don’t need to have everything organised before you come to us. Just be ready to find out where you stand.
Have multiple pensions from old employers and no clear idea what they add up to
Unsure what your pensions are actually worth or how they are performing
Want to know if your pensions are working hard enough for your future
Considering consolidating pensions but not sure if it is the right move
Have a final salary or defined benefit scheme and want to understand your options
Feel like your pensions are scattered and want one clear, simple picture of where you stand
What Clients Have to Say
Castra Financial Planning has been an absolute lifesaver. For years, I put off sorting out my pension, finding the whole process incredibly complicated and overwhelming. I thought it would be a huge headache, but I couldn’t have been more wrong. Castra provided exceptional service from start to finish. They completely simplified the entire process, breaking down everything I needed to know in a thorough and professional manner. They patiently walked me through all the options, answered every question I had, and made sure I felt confident and in control of my finances.
GARETH HARRIS
I had a number of pensions, some, as it turns out, I didn’t even know existed! Castra expertly and efficiently located them all and gave sound advice on what to do with each specific one. Some were left totally alone as they were best where they currently were. This professional and honest manner, is what gives me the confidence to lead my financial matters with all the advice Castra gives me. For anyone looking to find out where they stand and how to move forward in the most appropriate manner, Castra is undoubtably the first place to start. The fact that they are knowledgeable and smart, reassured me that I had done the right thing by going to Castra. Time has shown this to be the right decision.
JOHN NORRIS
Castra’s expertise in pensions and wealth management is second to none. They take time to understand theirclient’s goals, provides tailored advice, and his recommendations speak for themselves. With their support, feel confident about your financial future. I highly recommend Castra Financial. Exceptional service and they truly care about customer satisfaction.
ALED WILLIAMS
Castra have provided a honest and professional over the last few years with any pension advice, market updates and keeping a track on the global economy to ensure my portfolio is in the best markets it should be, at the right time.
ELLIS GRAYSON-DAVIS
Take the first step. It costs nothing.
Your first meeting is free. No obligation, no paperwork, no pressure. Just an honest conversation about where you are, where you want to be, and what is genuinely possible. Most clients say the same thing:Â I wish I had done this sooner.
Frequently Asked Questions About Pensions
Can’t find what you’re looking for? Book a free call and we’ll answer any question you have.
How do I find old pensions I have lost track of?
We trace them for you. We contact previous employers and pension providers, track down old workplace schemes, and bring everything into one clear picture. Most people are surprised by what we find. You don’t need any paperwork to get started.
Should I consolidate my pensions into one place?
It depends on your situation. Consolidating can reduce fees, simplify your finances, and make your money easier to manage. But some schemes, particularly final salary pensions, may be better left where they are. We review each one individually and give you a clear recommendation.
What is a final salary pension and should I transfer it?
A final salary pension, also known as a defined benefit pension, pays you a guaranteed income in retirement based on your salary and years of service. Transferring one is a major decision and not always the right move. We help you understand what you have, what it is worth, and whether a transfer makes sense for your specific circumstances.
What is SERPS and could it affect my pension?
SERPS, the State Earnings-Related Pension Scheme, was an additional state pension that ran until 2002. If you were employed during that period, you may have built up a SERPS entitlement. We help you find out whether this applies to you and what it could mean for your retirement income.
I have a pension through a bank that no longer offers advice. What do I do?
This is increasingly common. Many banks have stopped providing financial advice, leaving customers with pension plans but nobody to talk to about them. We can review your existing plan, explain your options, and advise you on whether it is still the right place for your money.
How much does pension advice cost?
Your first meeting is free, with no obligation. If we work together, pricing is transparent and explained before anything begins. You will always know what you are paying and why.
Take the first step. It costs nothing.
Book a free, no-commitment intro call. We talk about your life, your goals, and where you are right now. No paperwork. No pressure.
Download the Financial Planning Guide.
Take your time. The guide walks you through how we can help, what the process looks like, and what good financial planning can do for your life.
