Welcome to Thrive.
Have Multiple Pensions? Let’s Make Them Work Harder for You
If you’ve built up several pensions over the years, you’re not alone. But without a clear view, you could be missing out on growth, paying high charges, or losing track of valuable benefits.
Why a Pension Review Matters?
Over your career, it’s easy to collect multiple pensions from different employers — and while they quietly sit in the background, their value, performance, and costs can vary significantly.
A professional pension review helps you:
Understand exactly what you have and where it is
Check whether your pensions are performing as they should
Identify if you’re paying higher fees than necessary
Find out if you’re on track for the retirement lifestyle you want
It’s not just about moving pensions — it’s about giving you a clear, confident plan.
How I Help.
At Thrive Together Financial Planning, I’ll:
Review your current pensions and explain them clearly, in plain English
Assess how suitable each one is for your goals and risk tolerance
Show how consolidation could reduce costs and simplify your planning
Identify missed tax relief or contribution opportunities
Create a forward-looking plan so your pensions work together efficiently
The goal? To make sure every pound you’ve saved is working for you — not hidden in outdated or expensive schemes.
Who This Service Is For?
You might benefit from a pension review if:
You’ve worked for several employers or changed jobs over time
You’ve built up over £250,000 in total pension savings
You’re unsure how your pensions are invested or performing
You’d like to take control and plan your retirement properly
After your pension review, you’ll have:
A clear summary of all your pensions in one place
A personalised plan showing whether you’re on track
Guidance on potential tax efficiency and charge reduction
Peace of mind that you’re making informed decisions
Why Work With Thrive Together?
Hi, I’m Rachel Edwards — founder of Thrive Together Financial Planning.
I believe financial advice should be clear, approachable, and genuinely helpful.
My approach is simple:
No jargon, no pressure, just honest advice
Transparent fees
Ongoing support and annual reviews if you choose to work with me long-term
Together, we’ll make sure your pensions — and your plans — are designed for your future.
