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.
A practical checklist for DB pension transfers: what you have, the documents you need, how regulated advice works, scam warning signs and questions to ask.
Reviewed 22 October 2026 · 13 min read
Can you combine your pensions into one? How consolidation works in the UK, the pros and cons, and why DB pensions and pensions with guarantees need extra care.
Reviewed 22 October 2026 · 9 min read
What happens to your DB pension if your employer goes bust? How the Pension Protection Fund works, compensation levels and what it means for transfers.
Reviewed 23 October 2026 · 9 min read
From 6 April 2027 most unused pension funds and death benefits come into inheritance tax. What changes, what stays exempt and what to review.
Reviewed 22 October 2026 · 17 min read
Planning to retire early in the UK? How to build a realistic budget, when you can access pensions, State Pension gaps, care costs and the tax rules to know.
Reviewed 22 October 2026 · 11 min read
Why rising gilt yields usually mean lower defined benefit transfer values (CETVs), what happened in 2022, and why timing should not drive a transfer decision.
Reviewed 22 October 2026 · 8 min read
Can you withdraw your pension pot to your bank account? The UK rules, how tax and emergency tax work, timescales, and points to weigh up before you do.
Reviewed 22 October 2026 · 12 min read
What a pension transfer value is, how a defined benefit CETV is calculated, what makes it change, how long it is guaranteed, and what you would give up.
Reviewed 23 October 2026 · 10 min read