Pension Transfer Guide 2021

Uncover the value of your pension wealth
UK Pension Transfers Guide

Could a UK pension transfer be right for you?

Retire well with sensible planning!


Expert guidance from a UK Regulated, Chartered Pension Transfer Specialist!

Written for the 2021/22 tax year

Our FREE 8-page planning guide has been written exclusively for us by a UK regulated Pension Transfer Specialist.

If you hold a UK pension, claim your FREE expert guide for planning tips & techniques. 

Our FREE Guide Includes:

  • A background to pension transfers and why they are so popular today
  • How pension Cash Equivalent Transfer Values (CETVs) are calculated
  • Why DB schemes are considered ‘gold plated’ and must be properly evaluated
  • Planning tips & techniques for retirement with a defined benefit scheme
  • The transfer opportunity and what it could mean for your planning
  • A head to head comparison of DB pensions against private pension planning
  • What to think about and ask yourself when considering a transfer
  • The risks and benefits of private pensions
  • Professional analysis tools used to assess DB schemes
  • The role of the Pension Transfer Specialist and requirement for FCA advice
  • Scheme health, funding and the role of the Pension Protection Fund (PPF)
  • A guide to all LTA protection options available under HMRC for current pension members
  • Bonus planning options available only for expats 

Our FREE guide to UK defined benefit pension transfers was written exclusively for!

Key Benefits of a Private Pension:

  • Increased control
  • Streamlined retirement strategy
  • Currency options for cash holdings & investments
  • Flexi-access drawdown functionality
  • Improved death benefits
  • Tax planning opportunities under phased retirement
  • Higher Pension Commencement Lump Sum (PCLS)
  • Investment growth opportunities
  • Tax relief on future contributions for UK taxpayers
  • Cross-border tax planning opportunities
  • Ability to design a retirement income strategy and vary income with needs
  • Ability to plan around Lifetime Allowance limits
  • Improved investment strategy
  • Ability to switch investment funds
  • Removal of PPF risk
  • Control over income withdrawals – total income flexibility
  • Ability to withdraw ad-hoc lump sums
  • No tax on death for members under 75 years
  • Currency options for income
  • Full pension withdrawal option
  • Option to preserve funds for loved ones
  • Unlimited death benefit options to nominate loved ones and/or charities

This guide was prepared by a Chartered Pension Transfer Specialist

Free online retirement planning tools!

Pension Personality Quiz

Is a transfer right for you?

Our free online pension transfer quiz was designed by a Chartered Pension Transfer Specialist. 

Answer a set of planning questions to find out whether a transfer from a defined benefit scheme could be right for you!

Pension Transfer Personality Quiz

Take our free pension transfer personality quiz to find out if a pension transfer is right for you!

1 / 10

How would you describe your investment or financial planning experience?

2 / 10

Where will you live in retirement?

3 / 10

What sort of taxpayer will you be in retirement?

4 / 10

How would you describe your relationship with money and finances?

5 / 10

Are your essential outgoings already covered by other retirement income?

6 / 10

Will anyone else be reliant on your pension for their financial security?

7 / 10

When you retire, will you need to withdraw a lump sum?

8 / 10

Do you require ad-hoc access to your pension funds in retirement?

9 / 10

How would your ideal retirement income be structured?

10 / 10

If you died, who would you want to benefit from your pension money?

Only provide your details if you are happy for us to contact you about your planning

Click the flag below for your instant results!

State Pension Income Calculator
Discover the income you could expect from the UK State Pension.
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Transfer Value Estimator
Use our free calculator to estimate the potential Cash Equivalent Transfer Value (CETV) for your defined benefit pension.
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State Pension Age Calculator
Free, quick & easy UK State Pension Age calculator with instant online results.
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Retirement Age Calculator
Work out when you can afford to retire and meet your financial goals.
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Retirement Savings Calculator
Use our free online calculator to work out how much you need to save to meet your retirement goals.
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Most people don’t know the value of their pensions now, or what they will provide in retirement.

Use our free database and resources to research your pension, or get in touch to be linked to a professional and qualified adviser.

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Whilst every care has been taken in the preparation of our website and publications, they are intended as a guide only. Readers are advised to seek professional regulated financial and tax advice before making any changes to their planning or investments. Our publications, including website and guides do not offer investment or pension advice and nothing in them should be construed as investment or financial advice. Our publications, including guides and website are not, and should not be seen as, a recommendation to use any particular investment or planning strategy.

You must carry out your own research before making any investment decision or change to your planning. The information published has been obtained from sources that we believe to be accurate. Although reasonable care has been taken, we cannot guarantee the accuracy or completeness of any information published. Articles and opinions published may be wrong and may change at any time. You must always carry out your own independent research and verify information and data you collect before making any financial decisions or planning changes.

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