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Pension Transfer Guidance

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Pension Transfer
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Pension Transfer Advice you can trust.

You may be someone who has spent part or all of your working life employed by a large national employer who during that service provided you with a final salary occupational pension scheme. These schemes are highly sought after as they offer attractive and secure retirement benefits.

With the introduction in April 2015 of the new pension freedoms, members of occupational pension schemes in the private sector have choices that were not previously available. The new pension freedoms give private sector final salary pension scheme members far greater flexibility and access than ever before. With these new retirement benefit freedoms comes responsibility to ensure that your largest asset is used wisely.

Specialist Advice

Occupational Pension Scheme Transfers are a complex area requiring specialised qualified advice. In order for a firm to be able to advice on pension transfers they must hold the appropriate Financial Conduct Authority (FCA) permissions to undertake such advice. A pension transfer must be undertaken by an individual who is deemed to be a pension transfer specialist. In order to achieve this status, the adviser must have passed the relevant examinations and therefore hold the appropriate qualifications. At Estate Capital we have two individuals who hold this status.

Our financial advisers can:

  • Provide a full and detailed report regarding deferred company pension scheme benefits.
  • Provide a comparison of the projected benefits at retirement.
  • Provide a comparison of benefits available on death both pre and post retirement.
  • Provide a calculation of the annual rate of growth or critical yield required to match the value of the benefits that would have been available in the existing scheme.
  • Explore and explain the advantages and disadvantages of any potential transfer.
  • Assess your attitude to risk in conjunction with the suitability of the transfer.
  • Research all of the market, as we are an independent firm, to find the provider best suited to your needs if this is appropriate.
Client Story - Pension Transfer

Straightforward advice
Martin Rees

What really helped was having Phil explain things to me in great detail, without the jargon, which enabled me to make an informed decision. He made everything seem straightforward.
Client Story - Pension Advice

A feeling of control
James Thompson

Chris never pushes you in any particular direction. You end up making the decisions yourself, but doing it based on real numbers for each option.

Client Testimonials

Please read the many testimonial endorsements our clients have provided on this website to see what they say about our advice and on-going service.

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Download our free guide to retirement transfers

A Guide to Pension Transfers

Co-ordinate your pensions, grow capital, increase your retirement income and have confidence in your pension and peace-of-mind to enjoy life now.

Guide to Pension Transfers

Financial Guides

Please read the many free financial guides we have provided on this website to help you make better-informed financial decisions that are right for you.

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Our financial advisers have a wealth of experience of helping clients properly plan for retirement and will be happy to guide you through the comparative value of pension benefits. We will take the time to understand your circumstances and help you choose or maintain arrangements that best suit your long term needs. We believe it’s important that you have confidence in your retirement income choices and the peace-of-mind to enjoy your whole life to the full.

Chris Davies

Chris Davies

Chartered Financial Adviser View Profile

Chris Davies

Chartered Financial Adviser
Phil Johnson

Phil Johnson

Independent Financial Adviser View Profile

Phil Johnson

Independent Financial Adviser
Kevin Jones

Kevin Jones

Independent Financial Adviser View Profile

Kevin Jones

Independent Financial Adviser
Kate White

Kate White

Paraplanner Manager View Profile

Kate White

Paraplanner Manager

Call 01792 477763 today or contact us and we'll arrange an initial meeting at no cost, to discuss your circumstances and explain how we can help you.

Please read the many testimonial endorsements our clients have provided on this website to see what they say about our advice and on-going service.

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