Self Triage Client Guide
A Pension Transfer Client Guide to help you better understand the risks involved in transferring your final salary pension.
Should you get in touch with us regarding the possible transfer of your final salary (also known as a defined benefit) pension, and before we discuss your particular situation, we will send you our Pension Transfer Self Triage Client Guide. The purpose of the guide is to help you better understand your final salary scheme, including the benefits and drawbacks it might have, and it should help you decide on whether you want to take advice or not. It covers the following:
- The main differences between a final salary/defined benefit pension and a defined contribution pension.
- Comparison table comparing some of the features of a defined benefit pension scheme with a defined contribution pension scheme.
- What you should consider before taking advice on transferring your pension.
- What advice we can offer you.
- The difference between ‘abridged’ and ‘full’ advice.
- The next steps.
Our Self Triage Client Guide is available on request, fill out and submit the form below
We do not advise on current membership of a final salary/defined benefit pension scheme where the member is still employed and accruing benefits in the scheme. You must be a deferred member before we can advise you on the appropriateness of a transfer.
We do not make exceptions for ‘insistent clients’ and will NOT arrange a transfer for you if we recommend that you remain in your scheme.
Transferring out of a Final Salary/Defined Benefit scheme is unlikely to be in the best interests of most people.
The value of an investment can fall as well as rise and you may get back less than you have invested.