Defined Benefit Pension Transfer

Would a Pension Transfer benefit you?
As defined benefit pension transfer specialists, we offer a full and
objective professional appraisal so you can make an informed choice.
In the past it was almost always wrong to transfer a defined benefit pension (also known as a frozen company pension and final salary pension transfer) into a personal pension. However, since the introduction of ‘pension freedoms’ two years ago, there are more flexible options available for taking tax free cash and income, as well as substantially improved death benefits.

Defined benefit pension transfers have become more attractive due to the historically high values as a result of low interest rates/gilt yields. On top of this the weak funding position that many occupational schemes are declaring have concerned deferred members, especially those with larger benefits who would lose most if their scheme was forced to enter the Pension Protection Fund.

Scott Fyffe helped me make a life changing decision last year when I was considering transferring my Occupational Pension. Scott went through the options in great detail and his knowledge and understanding of pensions/financial systems is second to none. I was so impressed with the service I received I recommended Scott to some of my work colleagues.

– Mr S, Dundee

We can help you understand the advantages and disadvantages
To request an initial guidance meeting at our expense (over the phone or face to face)
Call us on 0141 352 7800
Chartered Financial Planners covering
Scotland & Northern Ireland, we offer:
  • Financial Conduct Authority (FCA) regulated advisers
  • An objective, balanced view
  • No fee for our initial guidance meeting*
  • Capped initial charges for larger transfers
  • Highly competitive ongoing fees
  • Wide range of investment options

After careful consideration, I have decided to take your advice and leave my pension where it is till my 60th birthday. I thank you very much for your help. I will pass on your company to my friends and family. I have found you (Scott Fyffe) to be very professional and easy to understand. I thank you again.

– Louise Mcgurk, Dundee

Do you have a question relating to defined benefit pension transfers?
Or pension transfers in general?
You can ask us a question by filling out the form below – or use it to request a call back at a time to suit you.


*Any work you ask us to carry out as a result of this meeting will be fee based.

You could be giving up guaranteed index-linked pension benefits if you do transfer. 
If you take your entire pension fund early you could be financially worse off in the future.