Advice area
Pension Transfer & Consolidation Advice
Suitability advice when you are considering transferring a final salary benefit, consolidating old pots, or moving into a personal arrangement.
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Who this is for
People with deferred defined benefit pensions, multiple workplace pots from past employers, or large defined contribution balances weighing a transfer.
What you receive
A clear suitability opinion — stay, transfer, or consolidate — with rationale grounded in guarantees, charges, investment risk, and your retirement goals.
Included
- Comparison of safeguarded benefits versus flexible access
- Charge and investment mapping for proposed receiving schemes
- Written recommendation and, where required, transfer documentation support
Outside this engagement
- Contingent charging on defined benefit transfers
- Advice on overseas pensions outside UK regulatory scope without specialist referral
How we work through it
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Suitability briefing
We establish why a transfer is being considered and what income security you cannot afford to lose.
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Scheme analysis
We obtain transfer values, CETV details where relevant, and compare against retaining the benefit.
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Recommendation
You receive a documented opinion and next steps only if a move is suitable for you.
Typical timeline: Two to eight weeks depending on scheme response times and whether a defined benefit transfer is involved.
Delivery: Office or video meetings; complex cases may require an in-person session.
Preparation: Scheme member numbers, recent CETV or statement packs, and details of other retirement income sources.
Fees: Quoted as a fixed advice fee once we understand the number of schemes and whether safeguarded benefits apply. Referrals to specialists are discussed openly if needed.