A free chat about how DB transfers work. Not advice. FCA regulated (FRN 825843).
Call 07753817459Plain-English guides to defined benefit and final salary pensions, transfer values, the advice process and the rules. General information, not advice.
The pros, cons and key checks before combining pensions, and why DB pensions and pensions with guarantees need extra care. General information, not advice.
Reviewed 22 October 2026 · 12 min read
Should you hold cash in your pension? The pros and cons of pension cash accounts, fixed-term deposits, fixed-term annuities and money market funds.
Reviewed 22 October 2026 · 9 min read
No, pension tax-free cash has not been scrapped. You can usually take 25%, up to the £268,275 Lump Sum Allowance. How it works for DC and DB pensions.
Reviewed 22 October 2026 · 11 min read
The Pensions Advisory Service is now part of MoneyHelper. Learn what free pension guidance covers and when you need regulated financial advice instead.
Reviewed 22 October 2026 · 11 min read
How fixed-term annuities work, how they compare with drawdown, what happens on death and the pros and cons to weigh. General information, not advice.
Reviewed 22 October 2026 · 10 min read
How combining pensions works in the UK, the benefits and risks, and why DB pensions and pensions with guarantees such as GARs and GMPs need extra care.
Reviewed 22 October 2026 · 10 min read
How defined benefit transfer values work, why they fell sharply from 2022 as gilt yields rose, what affects them now and what to weigh before any transfer.
Reviewed 22 October 2026 · 7 min read
How final salary pension transfer advice works, why it is legally required over £30,000 and how advice fees are typically charged since the 2020 ban.
Reviewed 22 October 2026 · 14 min read