BRIGHTER FINANCIAL SERVICES LIMITED

Final Salary Pension Transfers

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Final Salary Pension Transfer Reviews

Brighter Financial Services Limited have been granted authority by the FCA to provide transfer advice on final salary pension schemes. This status can be identified at the FCA Website.

A Final Salary Pension scheme is one where the amount you have been offered in retirement is guaranteed. The benefits that these schemes offer often outweigh the benefits of transferring out of such schemes.

Some pension transfer values can be very high but we do not merely consider this aspect when considering a transfer as there are a number of very valuable benefits that a scheme can offer that must not be over-looked in the review.

How do you decide to have a final salary pension transfer review?

Quite simply the decision is not that easy. We advise our clients to consider the facts before proceeding:

Considering a final salary pension transfer review?

If you wish to go ahead we can help you by:

  • Asking you to complete our initial assessment questions. The answer to these will give us some idea as to whether or not we should proceed, but there are no guarantees of outcome.
  • Asking you to complete a detailed fact find and determining whether you have any specific issues that may suggest a review is in your favour.
  • Discuss your specific circumstances with you so that we can help you make the decision to go ahead, in the knowledge that the outcome may not be to transfer.

If you would like to hear how we approach final salary pension transfer reviews, please call Ross McFadzean on 01422 832100.