Disclaimer: This is not intended to be advice, it is my opinion based on my personal experience. It is biased, in that I am hoping if you sign up, that you use my referral code (to add £50 to both our pensions) and in that I only write about products I like. After 10 years in London, I already had 4 pensions. I wanted to consolidate and simplify things. In the past, I had spoken with a…