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Guide to tracing and consolidating pensions
20.02.2026In a time when switching jobs is more common than ever, millions of people in the UK risk losing touch with their hard-earned retirement savings.
Every time you change jobs, there’s a chance a pension fund is left behind, gradually forgotten as your career advances. These unclaimed funds can go unnoticed
for years, potentially resulting in thousands of pounds being missed when you need them most.
Tracing lost pensions isn’t just about organising paperwork; it’s a vital step in protecting your financial future. Without a clear picture of all your retirement
savings, you might underestimate your total pot, plan less effectively or even have your money stuck in high-cost, poorly performing schemes. Failing to track every
pension could result in missing valuable retirement income or losing benefits tied to specific plans.
Read our guide to learn how to find lost savings and build a stronger retirement plan
Get in touch
If you would like to discuss our financial advice services, or if you wish to schedule an initial consultation, please contact us.advise-me@fosterdenovo.com
This guide is for your general information and use only and is not intended to address your particular requirements. The content should not be relied upon in its entirety and shall not be deemed to be or constitute advice. Although endeavours have been made to provide accurate and timely information, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future. No individual or company should act upon such information without receiving appropriate professional advice after a thorough examination of their particular situation. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of the content. Thresholds, percentage rates and tax legislation may change in subsequent Finance Acts. Levels and bases of, and reliefs from, taxation are subject to change, and their value depends on the individual circumstances of the investor. The value of your investments can go down as well as up, and you may get back less than you invested. Unless otherwise stated, all figures relate to the 2025/26 tax year
Foster Denovo Limited is authorised and regulated by The Financial Conduct Authority. Registered office: Foster Denovo Limited, Ruxley House, 2 Hamm Moor Lane, Addlestone, Surrey, KT15 2SA.
