What Is A Final Salary Pension Transfer?
A final salary (defined benefit) pension provides a guaranteed income in retirement based on your salary and years of service. Transferring means giving up that guarantee in exchange for a cash equivalent transfer value (CETV) moved into a personal pension. It's a major decision — and the FCA requires you to take regulated advice for transfers over £30,000.
For most people, keeping a final salary pension is the right choice — but not always. If you're in poor health, have other guaranteed income, or value flexibility and inheritance planning, transferring could make sense. Your adviser will carry out a full transfer value analysis and give you a clear, personal recommendation.
Why Get Final Salary Transfer Advice?
- ✓True Value — understand the true value of your guaranteed benefits before giving them up
- ✓CETV Review — find out if your CETV represents good value compared to the income you'd receive
- ✓Flexibility — explore whether flexibility and inheritance benefits outweigh the guarantees
- ✓Expert Recommendation — get a clear recommendation from a qualified pension transfer specialist
Our Expert Adviser Network
All of the advisers we work with are FCA-authorised and regulated.
How It Works
Understanding your final salary pension options is straightforward
Tell Us About You
Share your pension details so we can match you with a qualified transfer specialist.
Transfer Value Analysis
Your adviser carries out a full CETV analysis comparing your guaranteed benefits with transfer options.
Get Your Recommendation
Receive a clear, personal recommendation on whether to keep or transfer your pension.
Speak To An Expert
Discuss your options with an FCA-regulated adviser who holds specialist pension transfer qualifications.
Real Results From Real Clients
See what clients have achieved with professional pension advice from advisers they have been matched with.
"I had a final salary pension from my old employer and everyone had an opinion on what I should do with it. My adviser gave me proper independent advice and I now know keeping it was the right call for me."
Roger Hartley
Nottingham· 5 days ago
"I was offered a huge transfer value on my defined benefit pension and didn't know what to do. The adviser explained the pros and cons honestly. I decided to stay put and I'm really glad I got proper advice."
Elaine Burke
Grantham· 1 week ago
"My final salary pension transfer value was over £400,000. The adviser went through everything thoroughly — the guaranteed income, the risks of transferring, the flexibility. I felt properly informed to make my decision."
Peter Watts
Peterborough· 2 weeks ago
"I didn't fully understand what my defined benefit pension was actually worth. My adviser explained the guaranteed income I'd lose if I transferred and helped me see the full picture. So glad I got advice."
Gillian Harper
Loughborough· 3 weeks ago
"I was tempted by the big transfer value on my final salary pension. The adviser showed me that the guaranteed income was actually worth more in the long run for my situation. Saved me from making a costly mistake."
Martin Blake
Sleaford· 1 month ago
"My old company's final salary scheme was closing and I panicked. My adviser reviewed everything calmly, explained my options, and helped me make a decision I'm completely comfortable with. Worth every penny."
Valerie Simpson
Leicester· 2 months ago
"You need specialist advice for final salary pensions and that's exactly what I got. The adviser had the right qualifications and really knew their stuff. Couldn't have made this decision without them."
Arthur Bridges
Mansfield· 3 months ago
4.83 Average Rating
Based on 217 client reviews