Joining up pensions and household finances
A change of job can leave you with more than a new salary. You may have an old workplace pension, different sick pay, a new death-in-service benefit or a longer commute affecting your household budget. Looking at those changes together is more useful than reviewing each in isolation.
We can help you understand your existing pension arrangements, including charges, guarantees and benefits. Combining pensions is not automatically the right answer. Before recommending a change, we consider what you might lose as well as what could become simpler.
Alongside pensions, we can discuss a mortgage renewal, investment goals and the effect of illness or loss of income on your household. Couples can bring shared goals into the same conversation while keeping track of assets and responsibilities held individually.
Nearby communities we cover: Pool, Illogan, Portreath, Lanner, St Day, Troon.
We welcome enquiries from across Cornwall, even if your town or village is not listed. Your location does not need its own page before you can ask us for help.
How we can help locally
- Understanding old workplace pensions before moving or combining them
- Reviewing income protection after a change of employer
- Checking a mortgage deal before the introductory rate ends
- Planning pension and investment saving around family spending
- Considering both partners' retirement needs and existing benefits
- Reviewing who could receive pension benefits when circumstances change
Financial advice available in Redruth and Camborne
Meeting an adviser
Contact our Mitchell team for advice serving Redruth, Camborne and nearby communities. This page describes our service area, not a new branch address. Remote consultations and meetings arranged in advance are available.
Request your free initial consultation online, or call our Mitchell team to discuss the most suitable way to meet.
Financial Advice in Redruth and Camborne: Frequently Asked Questions
Is it always better to combine old workplace pensions?
No. An existing pension may have guarantees, protected benefits or charges that make keeping it worthwhile. We can review the arrangements and explain the advantages and disadvantages before recommending a course of action.
Should I review protection when I change jobs?
It can be a useful time to check. Sick pay, death-in-service cover and other benefits may change between employers. We can help compare those benefits with your mortgage, dependants and essential household costs.
Can people in Pool, Illogan and Portreath contact you?
Yes. We serve the surrounding communities as well as Redruth and Camborne. The first consultation is free and without obligation, with any advice fees explained before you decide to proceed.
Start with a conversation
Your initial consultation is free and without obligation. Any fees for advice are explained and agreed before work begins.