Defined benefit (Final Salary) pension?

Defined Benefit final salary pension transfers are a hot topic.
Individuals with benefits with a value over £30,000 must take advice as stipulated by the Financial Conduct Authority and the advice must be from a regulated advisor who has the relevant permissions and qualifications. 

To transfer or not to transfer…

A transfer of a defined benefit pension or final salary scheme should not be taken lightly. By transferring you would be giving up a guaranteed income for life. This may well be indexed linked for life and can be a valuable benefit.
This is the primary reason why the Financial Conduct Authority introduced rules making taking advice from a relevant qualified pensions specialist mandatory for a potential transfer with a value over £30,000.

A transfer can be beneficial …

A transfer can be beneficial. It can potentially offer higher tax-free cash, enhanced death benefits, income flexibility, and earlier access to benefits if you are over 55. But all factors must be considered when assessing whether a transfer is in an individual’s best interest.

All transfers are not equal …

The values offered from scheme to scheme vary dramatically. Some are quite generous, many offer relatively poor values. It is critical to appreciate the real value of the benefits you have in a scheme, and fully understand the impact and options of a transfer.

Regulated advice

Pensions advice UK  website is run by Burfield Financial Planning LTD, which is regulated by the Financial Conduct Authority (FCA). Burfield Financial Planning LTD has qualified individuals within the company that hold the relevant pension qualifications and holds the specialist FCA permissions to be able to advise on pension transfers.

We are proud of the service we provide to our clients (take a look at our 5-star reviews). We work hard to provide you with clear and useful advice service that benefits you and your circumstances. 

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Defined benefit (Final Salary) Specialist Advice Service.

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Many of the site web sites advertising on the internet are LEAD GENERATION web sites. You can tell this by looking at the information at the bottom of the web site. Their aim is to get your details so that they can sell them on to an adviser. Pensions Advice UK is not one of them. We are an firm of independent qualified financial advisers. Your details will NOT be sold on and will be dealt with confidentially in-house by our own FCA qualified independent Pensions Specialist.

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Pensions Advice UK is a part of BurfieldFP and we are qualified and FCA registered pension advice specialists.

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