A pension can be a personal pension or an employer based scheme. 

The pension can be access in different ways, which an adviser would help you find the most efficient solution for you.

Frozen pensions and be awkward to keep track on. Are they in the right funds? Are you taking the right amount of risk? Are charges to high? Working with an adviser can help you streamline your pensions, so they are easier to understand, and ensuring you get the most from your pensions.