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Consolidating company pensions
I've been down the consolidation route too (of a handful of DC pensions; the DB ones I've not touched, and you would indeed need advice to move those around). What you should be comparing against is: what's the cheapest possible thing you could be doing?  Monevators' online platform list will give you an idea of SIPP costs (if your pot is big enough and you're a buy-and-hold person, ATS' flat-fee model means costs can become arbitrarily close to zero percent), and if you're happy to be invested in something like Vanguard Lifestrategy, Target Retirement or vanilla index trackers then charges on those will be something like 0.1%-0.4%.  Savings of 0.5-1.0% per year add up over pension saving timescales, but only you can decide whether whatever extra the adviser is offering vs. a more DIY approach is worth it for you. Are you absolutely sure that 0.75% pa fee isn't on top of whatever charges are built into the funds he'll invest you in?  For the £1000 fee, advisers claim to have high costs per customer because of "regulatory burdens"; this is why there's talk of an "advice gap" these days: if you only have a small sum to invest, the fixed costs of advice become intolerable.  IMHO, nutmeg are still quite expensive for what they offer too (although still probably cheaper than any "advised" route).