A free chat about how DB transfers work. Not advice. FCA regulated (FRN 825843).
Call 07753817459Hypothetical case studies showing the kind of things a regulated adviser weighs up when someone asks about a defined benefit pension transfer. They are illustrative examples, not advice and not real clients.
Illustrative exampleIllustrative example: a DB pension with a protected pension age of 50. Why a transfer could mean losing early access, and what a regulated adviser weighs.
Reviewed 22 October 2026 · 10 min read
Illustrative exampleAn illustrative example of how pension scams work in 2026: the red flags, clone firm tactics and the checks that can protect a DB pension from fraud.
Reviewed 22 October 2026 · 12 min read
Illustrative exampleIllustrative example: a self-employed consultant with a deferred DB pension, two SIPPs and a plan to retire at 60. What a regulated adviser might weigh.
Reviewed 22 October 2026 · 13 min read
Illustrative exampleAn illustrative example of what a regulated adviser might weigh when someone wants to retire early: early retirement reductions, CETV, partial transfers.
Reviewed 22 October 2026 · 11 min read
Illustrative exampleIllustrative example: how a serious health condition affects a DB transfer decision, and why ill-health early payment and enhanced annuities matter.
Reviewed 22 October 2026 · 13 min read
Illustrative exampleIllustrative example of sharing a DB and a personal pension on divorce: pension sharing orders, CETVs versus actuarial values, and when advice is needed.
Reviewed 22 October 2026 · 14 min read
Illustrative exampleIllustrative example: when trivial commutation and the small pots rule apply to a small deferred DB pension, and why keeping the income can make sense.
Reviewed 22 October 2026 · 12 min read
Illustrative exampleIllustrative example of a £480,000 DB pension CETV: what a regulated adviser might weigh up, and why a large CETV is not a reason to transfer.
Reviewed 22 October 2026 · 12 min read
Illustrative exampleIllustrative example: planning retirement with LGPS, NHS and DC pensions. Why the DB pensions stay, reviewing the DC pot, tax-free cash and income order.
Reviewed 22 October 2026 · 10 min read