Consolidation financial advice
Confidently consolidate your pensions and other investments, with paid financial advice from the experts.
With investing, your capital is at risk. We provide 'restricted advice', which means we will only make investment recommendations on the products and services that we offer.
We'll help you consolidate the right way
It feels good to get it together, and having your investments with the same provider can save you time on admin – and you could pay less in fees too. Consolidating can be especially important for your pensions, if you have pots from different jobs. Putting them in one place could make it easier to plan for the retirement you want, and when it could start.
Our financial advice service can help you decide if and how to move your investments. We'll give you a detailed plan showing what makes the most sense, how to balance consolidation with a diversified portfolio, and guide you on finding old pensions. We can also give you a breakdown of any transfer costs from other providers, and highlight the key benefits you'd gain or lose through consolidating.
Boost your investments with 1% cashback on ISA and pension transfers
Get 1% cashback on transfers of up to £500,000 from ISAs, pensions, Lifetime ISAs, Junior ISAs and Child Trust Funds.
Capital at risk. £10k min. Initiate by 30th May 2025 and keep invested until 30th May 2026. Product rules and T&Cs apply. Compare existing benefits and fees before transferring.
Get the offerHow financial advice works
It starts with a free consultation
Book in today for a free, no-commitment call to tell us about your current position, get your initial questions answered, and help you decide which level of advice – Core or Enhanced – could be the right fit to help you achieve your goals.
We get to know you better
If you go ahead with our paid advice service, you'll meet with one of our financial advisers. They’ll do an in-depth assessment of your assets, income and outgoings, and calculate the best way to align them with your ambitions. Then, they'll get started on designing your personalised plan.
You get your personalised plan
This will give you a comprehensive strategy, including recommending where consolidation could benefit you. Plus, with our Enhanced advice, we'll show you what the future could hold depending on how you move forward with your strategy.
Time to put your plan into action
You'll now have a clear path to help turn your ambitions into reality – and you can always get our free guidance along the way. If within five years you have any life changes or feel it's time for an update, our paid Review service could help.
Find the right financial advice for you
We've designed our service with all investors in mind – from first-timers to seasoned pros. If you're not sure which level could be the best choice for where you are right now, our financial advisers can help you decide.
Book your free consultationCore
(inc VAT)
If you're looking to build wealth for the future.
Expert, tailored financial advice.
Our financial advisers get to know where you are and where you want to be, in a way that works for you. We'll then create your personalised plan, recommending ways you could achieve your short- and long-term goals.
Your plan will include:
And, our free general investing guidance whenever you need it.
Enhanced
(inc VAT)
For complex finances or if you're near to retiring.
Everything from Core, plus even more.
We'll model and compare potential investing outcomes, helping you see how later life could look depending on the decisions you make. You'll get an Enhanced financial plan, recommending the best strategy to help achieve the future you're aiming for.
A Core plan, plus:
And, our free general investing guidance whenever you need it.
Review
(inc VAT)
If we've given you advice in the last 5 years.
An in-depth review of your Nutmeg financial plan.
If your situation has changed – like you've had an inheritance – or you need more than our free general guidance to help keep your portfolio on track, a review could help you make the right adjustments.
An updated plan with:
Why consolidate with Nutmeg?
Take control
Choose how you want us to manage your investments and which risk profile is right for your goals.
Stay on track
See how much your investments could be worth, and exactly where you're invested with our easy-to-use tools.
Trust the experts
Our expert team will manage your investments for you and keep you updated.
How much could your pension be worth?
Want to see how much your money could grow over time? No one can predict the future, but our calculator can help you work out what your money could potentially turn into if you invested in a pension with us.
Try our calculatorRead our financial advice articles
Three reasons to consider financial advice
A guide to tracing, consolidating and transferring your pensions
Do I need a financial adviser for my pension?
As with all investing, your capital is at risk. The value of your portfolio with Nutmeg can go down as well as up and you may get back less than you invest. Tax rules vary by individual status and may change. Before you consolidate, check you won’t lose any guarantees or benefits and that you know what charges you may incur. During any transfer, your investments will be out of the market. If you are unsure if a pension is right for you, please seek financial advice.