Final Salary Pensions

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We want to help you find quality, impartial, advice to help guide you with final salary pensions.

I was able to quickly speak to an Adviser to discuss my upcoming retirement options. I was pleasantly surprised by their friendly approach and the whole experience was very professional and straight forward.

J. McGregor

DB Transfers

For people who are, or have been, members of a final salary (or defined benefit) pension, taking benefits from the scheme is not necessarily the best option. Most schemes will offer you the option of taking a Cash Equivalent Transfer Value (CETV) instead of a lump sum and pension directly from the scheme. This transfer value could then be invested in your own ‘pot’. There can be numerous advantages (although each case is different) to this such as:

  • Increased tax-free cash
  • The ability to just take tax-free cash & leave the rest of the pot until further down the line (rather than being forced into taking a taxable income from day one)
  • Much better death benefits – leave your whole pot to your family
  • Income flexibility rather than a rigid fixed income – take what you like when you like
  • Take more income in the early years and decrease in later years when you are less active

Why should I use a financial adviser?

A good Financial Adviser will assess your circumstances, your outlook on life, your goals and aspirations for the future. They’ll take time to understand your situation and make recommendations on which financial products are best for you. They’ll also likely have access to a wider range of choices than you’d be able to assess realistically on your own. You’re also protected if you buy based on advice which gives you confidence and peace of mind you are making good decisions.

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