Final salary pension transfer advice
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
Pension guides: page 8
Plain-English guides to defined benefit and final salary pensions, transfer values, the advice process and the rules. General information, not advice.
Articles, page 8
What is a Pension Transfer Specialist?
What a pension transfer specialist is, when the law requires their advice, the qualifications they need and how abridged and full advice work.
Reviewed 22 October 2026 · 8 min read
What is Abridged Advice?
What abridged advice is, its two possible outcomes, what an adviser looks at, how it is charged, and why it can never recommend a DB pension transfer.
Reviewed 22 October 2026 · 6 min read
What affects defined benefit transfer values?
The main factors behind defined benefit transfer values (CETVs): gilt yields, inflation, scheme funding, your age and scheme assumptions, explained simply.
Reviewed 23 October 2026 · 12 min read
Illustrative exampleTransferring a Million+ Pension
Illustrative example: what a regulated adviser would weigh on a £1.4 million DB transfer value, and how tax and PPF rules have changed since 2021.
Reviewed 22 October 2026 · 8 min read
Pension Tax Allowances and Defined Benefit Transfers: 2026 Guide
How pension tax allowances affect DB transfers in 2026: the Lump Sum Allowance (£268,275), the LSDBA, LTA protections and what replaced the LTA.
Reviewed 22 October 2026 · 9 min read
How the FCA Regulates Defined Benefit Pension Transfer Advice (2026 Guide)
How the FCA regulates DB pension transfer advice: the permission advisers need, the transfer analysis, charging rules, and how to protect yourself.
Reviewed 22 October 2026 · 9 min read
Smoothed and With-Profits Funds Explained: What to Consider (2026 Guide)
How smoothed and with-profits style pension funds work, what market value reductions are, the charges and risks, and the questions to ask an adviser.
Reviewed 22 October 2026 · 11 min read