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.
What a deferred final salary pension is, how it grows until you retire, taking it early or late, tracing a lost one, and the rules if you consider a transfer.
Reviewed 23 October 2026 · 9 min read
What an enhanced transfer value is, why employers offer one, the industry code's ban on cash incentives, who pays for advice and questions to ask.
Reviewed 23 October 2026 · 9 min read
How long a defined benefit pension transfer takes: the 3-month CETV deadlines, the advice stages, scam checks under the 2021 rules and the 6-month limit.
Reviewed 23 October 2026 · 9 min read
How the Local Government Pension Scheme works: career average benefits, the 85-year rule, early and ill-health retirement, and transferring out of the LGPS.
Reviewed 23 October 2026 · 12 min read
Your DB scheme is doing a pension buy-in or buy-out? What changes, how FSCS and PPF protection differ, and what it means for transfers. Plain English.
Reviewed 23 October 2026 · 9 min read
What a retirement annuity contract (RAC or section 226 pension) is, the guarantees it may hold, how to check for a GAR and why to check before moving it.
Reviewed 23 October 2026 · 8 min read
What safeguarded pension benefits are, with examples such as DB pensions, GMPs and GARs, the £30,000 advice rule and the FCA's starting assumption.
Reviewed 23 October 2026 · 7 min read
What a section 32 buy-out plan is, how a GMP inside it works, the guarantees you might lose, when advice is required to transfer and how to check yours.
Reviewed 23 October 2026 · 7 min read