Independent, expert advice on your Final Salary Pension
Our expert advice service can help you make sure your plans for retirement are on the right track.
Trusted by over 1,300 financial advisers
We already work with over 1,300 financial advisers across the UK to advise on their clients’ Final Salary pensions. Our advice is always delivered with the highest standard of customer service, care and compliance.
Why get Final Salary Pension Advice?
Delivering exceptional service
We put you at the centre of everything we do
We make things as simple as possible
We go above and beyond for our customers
We're fair, honest, and upfront
What is a Final Salary Pension?
People employed or previously employed by large companies may have enrolled into the firm’s Final Salary pension scheme.
Final Salary pensions, sometimes called Defined Benefit (DB) or Gold-Plated pensions offer the employee a secure income for life and usually increase year on year up to and throughout retirement.
These pensions can often provide excellent benefits as well as the comfort of a secure income for life, however they are not the only option, depending on your personal circumstances, it may be preferable to explore the option of transferring to a Personal Pension which can have differing benefits, such as increased flexibility.
Your pension scheme will be able to provide you with a ‘Cash Equivalent Transfer Value’ for your Final Salary Pension. It could be possible to increase this value by transferring and investing via a Personal Pension, however you also need to consider the possible downsides of giving up the fixed income that comes with a Final Salary Pension.
Transferring out of a Final Salary scheme is a very important decision which can be complex and daunting, our experts are to help guide you through the process and will only every recommend what is in your best financial interests.
We are only able to review Final Salary Pensions with a cash equivalent transfer value of at least £30,000.
Independent and unbiased
We work with the most trusted and well-known pension names in the UK. Our advice is regulated by the Financial Conduct Authority for your peace of mind.
How it works
Our qualified experts always start with a free pension assessment, which determines whether we can give you more formal advice on whether a transfer might be in your interests.
If it is appropriate for us to provide advice, we’ll look at a wide range of factors and your personal situation and advise whether a transfer is right for you.
We’ll look at:
- The Cash Equivalent Transfer Value (CETV) of your current scheme
- Income guarantees or benefits that you may lose
- Your other pension or investments
- Your future financial goals
You’ll get a detailed presentation of your recommendation both as a document and a phone call from our qualified Pension Transfer Specialists. They will explain everything in detail and will be able to answer any questions.
If you wish to transfer, we’ll help you every step of the way with processing the transfer and helping with any documentation.