Keeping you, and the people who rely on you, safe in retirement

The market for final salary pension transfers has exploded over the last 2 years and the temptation to “cash in” a final salary pension has never been greater. If you are one of those pondering whether to transfer your final salary pension, you need to seek specialist advice from people like us who are technically qualified and regulated to give advice. The wrong decision could result in you not having enough to live on.

Transferring to a private scheme offers exciting options to many people, which is why an estimated 210,000 people moved £50 billion pounds in the two years. For many, if not most people, a transfer is not suitable, due to its cast-iron, and usually inflation-linked, guarantee of income for life.

Is a final salary transfer right for me?

Final salary pension transfers are irreversible, so you must consider the pros and cons very carefully and advice from an independent, qualified pension transfer specialist is essential.

There are several important factors to consider before deciding whether a transfer might be suitable for you.

  • Will you rely on your final salary pension income when you retire?
  • Would you be uncomfortable risking the value of your pension savings on the stock market?
  • Do you want your pension to be as simple, secure and protected as possible?

If the answer to any of the questions above is ‘yes’, then a transfer is probably not suitable for you. If your answers are all ‘no’, then you should consider a range of other factors.

  • Do you want the option to vary your pension income in retirement?
  • Do you want to use your pension as an inheritance for future generations rather than just as a retirement income?
  • Do you have shortened life expectancy?

If the answer to any of these is ‘yes’, then a transfer might be right for you and you should speak to a specialist adviser who can look at look at your circumstances in more detail.


Our drive and goals are the same – we want to keep you, and the people who rely on you, safe in retirement.

We take seriously important decisions that affect the rest of your life - we want to keep you safe and have a robust process of understanding you to ensure we advise you correctly. Our final salary transfer specialists are here to help guide you towards making the right decision.


At the heart of our relationship with our clients is trust. Our business has grown on the back of our track record for consistently meeting and exceeding our client’s needs, but don’t take our word for it - see what our clients have to say


Proficient, professional and plain talking.

You will always remain an individual and we will provide the honest and practical advice you require based on your needs now and in the future.

Technical expertise

We have the specialist insight and knowledge, gained from years of experience which enables us to analyse your current scheme, your personal circumstances and objectives and provide the best outcome for you.

What our clients say