Pensions
Pension Transfer Advice
A pension transfer is a one-way door — once moved, you can't go back. We treat every transfer recommendation as a fresh suitability case, never a default.
Why Choose Us
A cautious, evidence-based process
The FCA's starting position on certain transfers is that they're not in your best interest — and rightly so. We share that caution and only recommend a transfer where the case is clear, written and explained.
- Money purchase transfers reviewed with full transfer value analysis
- Safeguarded benefits flagged and protected wherever possible
- Defined benefit (DB) transfer enquiries referred to permitted specialist firms
- Clear written suitability report before any action
- Ongoing review built in once the transfer is complete
The value of pensions & investments and any income from them can fall as well as rise and you may not get back the original amount invested.
Your Journey
A straightforward process
Scheme Detail Request
We request full schedules and transfer values from your current provider(s).
Risk & Guarantee Review
We check for safeguarded benefits, exit penalties and beneficiary implications.
Suitability Report
If a transfer is appropriate, you receive a written report explaining the case and the risks.
Execution & Review
We coordinate the transfer and add the new plan to our annual review service.
FAQs
Common questions
Do you advise on final-salary (defined benefit) transfers?+
Defined benefit (DB) transfers are a highly specialist area subject to strict FCA rules — including the regulatory starting assumption that a transfer is not in the client's best interest. Where appropriate we refer DB transfer enquiries to a permitted specialist firm. We do not handle DB transfer advice in-house.
What's the difference between consolidation and a transfer?+
Consolidation usually means combining several similar money purchase pensions for simplicity and cost. A transfer can be any move between schemes — including specific transfers driven by features, beneficiary planning or scheme issues.
What does 'safeguarded benefits' mean?+
Safeguarded benefits include guaranteed annuity rates, guaranteed minimum pensions and DB rights. Transfers giving up safeguarded benefits worth more than £30,000 require regulated advice by law — and we apply the same care to smaller pots.
Are there charges to transfer?+
Ceding schemes occasionally apply exit penalties or market value adjustments. We obtain a transfer value analysis before recommending anything, so the cost is visible upfront.
How long does a transfer take?+
Typical money purchase transfers take 4–8 weeks. Schemes that require additional verification or hold protected benefits can take longer. We keep you updated throughout.
Think before you transfer
Start with a no-obligation conversation. We'll tell you honestly whether a transfer is worth investigating further.