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
Illustrative examples: page 4
Hypothetical 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.
Articles, page 4
Illustrative example
Illustrative exampleTransferring a Final Salary Scheme to secure death benefits
Illustrative 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
Illustrative exampleWithdrawing a transferred DB pension, without investment risk
Illustrative 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
Illustrative exampleTransferring an Occupational Defined Benefit Scheme
Thinking 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
Illustrative exampleCashing in a small defined benefit scheme
Can you cash in a small defined benefit pension? Trivial commutation and small pot rules explained, with an illustrative example of what an adviser weighs.
Reviewed 22 October 2026 · 7 min read