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.
Illustrative exampleIllustrative example: transferring a final salary pension to leave money to children. What you would give up, the 2027 IHT changes and other options.
Reviewed 22 October 2026 · 7 min read
How a partial DB pension transfer works, which schemes offer one, the risks, the tax rules and the regulated advice you need before you go ahead.
Reviewed 22 October 2026 · 12 min read
Illustrative exampleIllustrative example: withdrawing a transferred DB pension or pension pot without investment risk using a fixed-term annuity, and why transfers rarely suit.
Reviewed 22 October 2026 · 7 min read
Thinking about a DB pension transfer? Seven questions to ask yourself and any adviser, covering CETVs, tax-free cash, the 2027 IHT changes and adviser checks.
Reviewed 22 October 2026 · 10 min read
How the FCA reviewed and updated the way redress is calculated for unsuitable DB pension transfer advice, and what to do if you are worried about past advice.
Reviewed 22 October 2026 · 6 min read
Are DB pension transfers banned? The history of calls to restrict them, the FCA rules today, the £30,000 advice requirement and your rights as a member.
Reviewed 22 October 2026 · 9 min read
How gilt yields, interest rates and inflation affect your DB pension Cash Equivalent Transfer Value (CETV), and why timing the market rarely helps.
Reviewed 22 October 2026 · 8 min read
Illustrative exampleThinking about transferring an occupational defined benefit pension? The process, the advice rules, the CETV and the guaranteed benefits you would give up.
Reviewed 22 October 2026 · 12 min read