Homeworks Financial Services

15/10/2026

Pension consolidation advice is available. If you hold a Defined Benefit Pension Scheme or Defined Contribution pension with a guaranteed minimum pension or income, any advice you receive will be through a dedicated referral advice service and a specialist within our network.

Old pensions can be surprisingly easy to lose track of.
A house move, employer change or forgotten provider can leave retirement savings sitting in the background for years.

Finding an old pension doesn't mean it needs to be transferred.
But it does give you the opportunity to understand:
• What it's worth
• Where it's invested
• What charges apply
• What benefits it provides
• How it fits alongside your other pensions

How many employers have you had during your career, and do you know where every pension from them is today?

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.


Homeworks Financial Solutions Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 03/09/2026

13/10/2026

Pension consolidation advice is available. If you hold a Defined Benefit Pension Scheme or Defined Contribution pension with a guaranteed minimum pension or income, any advice you receive will be through a dedicated referral advice service and a specialist within our network.

Thinking about bringing several pensions together?
Start with five questions:
1. What am I currently paying in charges?
2. How are my pensions invested?
3. Do any include guarantees or special benefits?
4. What retirement options does each pension offer?
5. What would I gain by transferring?

A smaller number of pensions can be easier to manage, but simplicity should be weighed against the features you already have.

Save these five questions for the next time you review an old pension.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.


Homeworks Financial Solutions Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 03/09/2026

12/10/2026

Global equities gained momentum towards the end of September as strong AI investment and corporate earnings supported markets. Download the full September market update from Omnis Investment: https://omnisinvestments.com/news/2026/markets-end-the-month-on-a-stronger-note

Global equities gained momentum towards the end of September as strong AI investment and corporate earnings supported markets AI rally lifts global…

08/10/2026

Pension consolidation advice is available. If you hold a Defined Benefit Pension Scheme or Defined Contribution pension with a guaranteed minimum pension or income, any advice you receive will be through a dedicated referral advice service and a specialist within our network.

Two pension statements showing the same value don't necessarily mean the pensions offer the same benefits.
Some older pension arrangements may contain features that aren't immediately obvious.

These could potentially include:
• Guarantees
• Particular retirement options
• Protected benefits
• Different charging structures

That’s why pension transfer decisions should involve more than simply comparing account balances.

Before moving an older pension, make sure you understand exactly what you could be giving up as well as what you might gain.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.


Homeworks Financial Solutions Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 03/09/2026

06/10/2026

Pension consolidation advice is available. If you hold a Defined Benefit Pension Scheme or Defined Contribution pension with a guaranteed minimum pension or income, any advice you receive will be through a dedicated referral advice service and a specialist within our network.

Having several pensions can mean several statements, logins and investment arrangements to keep track of.

Combining pensions can sometimes make retirement planning easier to understand.
But convenience alone shouldn't determine whether a transfer is appropriate.

Important considerations may include:
• Charges
• Investment choices
• Existing guarantees
• Retirement benefits
• Your wider financial circumstances

Sometimes combining pensions can make sense. Sometimes leaving them where they are can make more sense.

If you've accumulated pensions from several employers, clarity starts with understanding what each one provides.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

Homeworks Financial Solutions Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 03/09/2026

05/10/2026

Weekly Market Update - 5 October
Equity markets were mixed as the higher-for-longer interest rate narrative continues to influence investor sentiment. Japanese equities were the standout performer, while UK, European and Chinese markets weakened.

Check out this weeks weekly market update brought to you by the Omnis Investment Club: https://omnisinvestments.com/news/weekly-update

01/10/2026

Pension consolidation advice is available. If you hold a Defined Benefit Pension Scheme or Defined Contribution pension with a guaranteed minimum pension or income, any advice you receive will be through a dedicated referral advice service and a specialist within our network.

When people find an old workplace pension, their first question is often:
“Should I move it?”
A better first question might be:
“What exactly do I already have?”

Before considering a transfer, it can be important to understand:
• Existing charges
• Investment options
• Any guarantees or valuable benefits
• Retirement options
• Whether exit charges apply

Moving a pension can sometimes offer advantages, but transferring isn't automatically better.

Found an old pension? Understand it before deciding what to do with it.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

Homeworks Financial Solutions Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 03/09/2026

29/09/2026

People often think about retirement as a finish line.
But your circumstances can change considerably before you reach it.

Your plan may need to adapt because of:
• Changes in income
• New financial priorities
• Family circumstances
• Market movements
• Changes to your intended retirement age
• The lifestyle you want later on

That’s why retirement planning is rarely a “set it and forget it” exercise.

Has your retirement plan changed as your life has changed? Regular reviews can help keep the two aligned.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

Homeworks Financial Solutions Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 01/09/2026

28/09/2026

Global equities finished the week broadly higher led by the technology sector, as investors became increasingly bullish around the rise of agentic AI and the positive implications for overall AI demand. Japanese equities the standout, while Chinese equities lagged. Check out the latest market update from Omnis Investments: https://omnisinvestments.com/news/weekly-update

24/09/2026

Paying into a pension is only one part of retirement planning.

Another important question is:
Where is the money actually invested?

Depending on the pension, investments may differ in terms of:
• Risk
• Potential return
• Asset allocation
• Geographic exposure
• Investment approach

The right approach can depend on your objectives, circumstances, attitude to risk and how long you have until retirement.

Do you know how your pension is currently invested? If the answer is “not really”, your next statement may be worth a closer look.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.


Homeworks Financial Solutions Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 01/09/2026