Booked a tent at Ziggu camping.
Cleaned lavs and hot showers. Beds.
Not slumming it. I need sleep at my age.
Would rather camp in mud
Itās been pissing with rain all day.
The wifeās gone internet shopping nuts.
Iāve bought a soundbar.
navigating the minefield that are pensions, trying to look at options for combing 24 years of pensions across 10 jobs into one pot 
Iām putting that off but the inevitable is drawing close. I would interested in your findings
A financial adviser is useful. Mine went through each of my pensions and summarised the terms.
Most were transferred into a SIPP, but a couple were left because of guarantees etc
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Transfer them all to a SIPP with A J Bell? Thatās where mine is.
The charges when I started it were something like Ā£100 a year, plus A J Bell got paid a % of the annual management charge of the funds you chose. The AMC of the funds is competitive. You can choose institutional classes of the funds, which have lower AMCs than the retail class of the same fund. The customer service is great too, you ring them and without delay an actual human based in the UK helps you.
haha Iām just trying to find them at the moment, know a few of them but some have been lost in the ether
I had that issue too, a couple of early ones I had given up on after contacting the government pension finders came back found 2 years later so donāt give up if you donāt get immediate results
Other than simplifying your life, is it actually a wise idea to consolidate all your pensions into just the one fund that could get Sir Philip Greenād?
Iāve chosen to leave my disparate sprawl of pensions as they are - I think PCSPS, NHS, &c are a safer bet.
My largest one had a requirement for an annuity to be taken out, which IMO is a bloody stupid idea. You need to check really.
And the key is diversification, so your invested in loads of different companies and bonds, so one corporate disaster isnāt curtains for you.
I consolidated with an AJ Bell SIPP too a couple of years ago. Would also recommend.
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Ah that looks interesting.
As a scummy contractor I can pay myself Ā£12k a year which is tax free, pay Ā£800 per month into the SIPP and get an extra Ā£200 for free 
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Optimistically Iāll have Ā£80k if I combine them all (going to see if I can use it to buy extra years in the army pension)
Leaving the army pension alone as that will give me Ā£9000 per year at 60 plus Ā£27k tax free lump at 55
Need to sort something as Iāve been putting it off for years and Iāll have fuck all if I donāt start contributing now 
This is an excellent idea.
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Are you a sole trader or have a company format like limited etc?
Ltd company as I do multiple contracts or customers.
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I think you can put unlimited Company monies into the pension tax free. It is a great way of getting money out of a Ltd Co.
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yeah my accountant keeps reminding me and I keep saying that if invest in a huge pension Iāll die at 68 but if I save fuck all Iāll live to 105
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In which you can put up to Ā£40k a year into your pension which then takes this outside of corporation tax.