A free chat about how DB transfers work. Not advice. FCA regulated (FRN 825843).
Call 0113 403 8425Plain-English guides to defined benefit and final salary pensions, transfer values, the advice process and the rules. General information, not advice.
Illustrative exampleAn illustrative example of what a regulated adviser might weigh when someone wants to retire early: early retirement reductions, CETV, partial transfers.
Reviewed 22 October 2026 · 11 min read
Illustrative exampleIllustrative example: how a serious health condition affects a DB transfer decision, and why ill-health early payment and enhanced annuities matter.
Reviewed 22 October 2026 · 13 min read
Illustrative exampleIllustrative example of sharing a DB and a personal pension on divorce: pension sharing orders, CETVs versus actuarial values, and when advice is needed.
Reviewed 22 October 2026 · 14 min read
Illustrative exampleIllustrative example: when trivial commutation and the small pots rule apply to a small deferred DB pension, and why keeping the income can make sense.
Reviewed 22 October 2026 · 12 min read
Illustrative exampleIllustrative example of a £480,000 DB pension CETV: what a regulated adviser might weigh up, and why a large CETV is not a reason to transfer.
Reviewed 22 October 2026 · 12 min read
Illustrative exampleIllustrative example: planning retirement with LGPS, NHS and DC pensions. Why the DB pensions stay, reviewing the DC pot, tax-free cash and income order.
Reviewed 22 October 2026 · 10 min read
Looking for a pension transfer specialist near you? For DB transfer advice, the FCA permission matters more than location. How to check the FCA Register.
Reviewed 22 October 2026 · 10 min read
How DB pension transfers work in 2026: CETVs, the FCA advice rules, tax-free cash, what you give up, alternatives and where to get free, impartial guidance.
Reviewed 22 October 2026 · 16 min read