Looking for expert and independent advice on your Final Salary pension?
Our team of pension experts can help you understand your retirement options. Get started with a Free Pension Assessment.
The Benefits of a Final Salary Pension Assessment
Our free assessment can provide the following for you:
Full view of your retirement options
Understand if a Final Salary Pension Transfer is right for you
Get access to cash free tax from your Pension
Make plans for your beneficiaries.
Trusted by over 1,300 financial advisers
We work with over 1,300 financial advisers across the UK to advise on their clients’ pensions. Our advice is always delivered with the highest standard of customer service, care and compliance.
Independent and
unbiased
All our advice is whole of market and we work with the most trusted and well known pension names in the UK.
Fixed, transparent
costs
We deliver our initial assessment free of charge. If you then proceed to Full Advice, a fee will apply and, if appropriate, we will facilitate a transfer.
Rated 'Excellent'
on Trustpilot
We always put our customer first that's why we are rated 'Excellent' on Trustpilot, with hundreds of reviews.
FCA
Regulated
We are fully Authorised and Regulated by the Financial Conduct Authority for your peace of mind.
Get your Free Pension Assessment
We take your privacy seriously and we’ll only use your data for this enquiry.
Take control of your pension
Pension decisions can often be daunting as they have the potential to significantly impact your financial future.
However, making the right decision can give you the freedom and control to achieve the retirement you want. Our pension specialists are here to deliver expert advice, provide you with peace of mind and to ensure you’re on the right track.
We guarantee that the advice we deliver will always be in our clients’ best financial interests.
What is a Final Salary (Defined Benefit) 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.
This can provide valuable benefits and the security of a set income, however; you also have the option to transfer your Final Salary Pension into a Personal Pension if it is in your best financial interests.
You can get a ‘Cash Equivalent Transfer Value’ – the cash value of your Defined Benefit pension. If you don’t have one of these, you can request one from your pension scheme. These can potentially be more financially valuable than the guaranteed income if invested in a Personal Pension.
Transferring out of Final Salary Pension is a very important decision with many contributing factors, which is why it is a legal requirement to take advice if your value is over £30,000.