Step-by-step: how to merge your old pensions safely

Merging pensions safely can be a tricky exercise, however, while it seems overwhelming, there are ways to execute the task and protect your assets at the same time. As an employee in my 20s, I've worked for multiple employers, meaning there's a high chance I will have paid into more than one pension throughout those years of employment. Merging, or more commonly known in the financial industry as consolidating, all your acquired pensions can make it much easier to monitor and keep track of savings. Doing this will make putting together a retirement plan much easier and it could ensure you're getting yourself the best deal, which is ultimately what we all deserve after a life of service to work. To make sense of it all, for both myself and for HELLO! readers, I spoke to Tim Sheppa