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Is A Final Salary Pension Transfer Right For You?

You now have more freedom over how you take money from your pension. Now is the time to review your final salary pension.

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Final Salary Pension Transfer Advice

Can I transfer my final salary pension?

In April 2015 pension holders gained more freedom over the way in which they can access their pension pots. Changes in pension rules are set to make final salary pension transfers attractive to some individuals. Final salary pensions provide an income for life on a basis that is not appropriate for everybody. A final salary transfer will allow you to structure your benefits in a manner that is more beneficial for you, and you can even cash in your pension.

There are a number of different situations where a transfer may be appropriate for you. We have outlined some of these in our Case Studies.

Undertaking a pension transfer is not suitable for everyone. For this reason it is important that you seek qualified financial advice before making any changes to your pension plan.

We can help

Final salary pension advice

We are experts in all aspects of pension planning and transfer. We can offer impartial financial advice to ensure that your pension is structured in the manner most beneficial to you. Final salary pension transfers are by no means suitable for everybody and cashing in your pension plan may not be the best course of action. We will review your individual circumstances and make suggestions about how it is best for you to proceed.

Our initial conversation is undertaken at our expense. If we determine that a transfer is not appropriate for you, it will cost you nothing.

If you do choose to undertake a transfer, we can then process it for you, ensuring your pension is unlocked safely and appropriately.

Other pension help

We also offer pension advice and services relating to a variety of other areas, including retirement advice, annuities and self-invested personal pensions (SIPP).

To speak to one of our friendly and knowledgeable advisors, get in contact with us today.

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Disclaimer: Final Salary Pensions are suitable for the vast majority of members. Transferring from a final salary pension scheme is an irreversible decision and it could have a detrimental effect on your retirement planning. The detail on this website is for information purposes only and is not to be taken as a personal recommendation. Before taking any action, you should take financial advice from a suitably qualified independent financial adviser. Any potential advantages of transferring from a defined benefit scheme to a defined contribution scheme are often outweighed by the costs, risks and loss of benefits involved.