Vizion

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Vizion Wealth Chartered IFA Milton Keynes Make the most of your retirement pension

Final Salary & Defined Benefit Pension Transfer Advice

Advising on final salary and defined benefit pension transfers is a highly specialised, complex and regulated area of financial advice. At Vizion Wealth in Stony Stratford, Milton Keynes, our advisers are pension transfer specialists meaning they have the highest possible qualifications in understanding pensions and the pros and cons of transferring. If you have a final salary or defined benefit pension, we will arrange a review of your scheme. We work with an external agency to undertake this review, so you can be certain that we are acting completely impartially. If the recommendation is to transfer your pension, our pension transfer specialists will then assist with implementing the recommendations and ensuring the funds are managed appropriately on an ongoing basis.

Pensions Freedoms have revolutionised retirement, giving individuals much more freedom around how and when they take their pension benefits and also how pension benefits may now be passed to future generations. However, with added flexibility comes added risk and it is essential that anyone thinking about transferring pension benefits seeks expert financial advice. It’s important that your pension scheme is properly assessed before any transfer decision is made, as transfers of final salary and defined benefit pension schemes are not right for everyone and do carry significant risks.

We understand that every person and every pension scheme is different and therefore the decision to transfer may or may not be beneficial depending on the particular circumstances. Therefore, we work with clients to help them truly understand all the relevant factors before making a decision.

The comprehensive advice process includes sourcing the necessary cash equivalent transfer values (CETV), projection of benefits, understanding all the details of the scheme including accumulation and guaranteed minimum pension elements, escalation and revaluation of the scheme, spousal and children’s provisions, CETV and critical yield analysis, risk and cash flow planning and completion of Transfer Value Comparator (TVC) reports and Appropriate Pension Transfer Analysis (APTA). Our pension transfer specialists are able to guide you through this whole process to ensure the final outcome is best for you.

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For an initial chat with an expert about your personal or business financial planning needs, please feel free to call us on 01908 920043 or e-mail us at info@vizionwealth.co.uk


Vizion Wealth LLP, 16 London House, Swinfen’s Yard, High Street, Stony Stratford, Milton Keynes, MK11 1SY. Registered in England number: OC367088.
Telephone: 01908 920043. Vizion Wealth LLP is a Limited Liability Partnership. Vizion Wealth LLP is authorised and regulated by the Financial Conduct Authority.

Vizion Wealth is listed on the Financial Services Register https://register.fca.org.uk/ under reference 565523.

Vizion Wealth LLP cannot be held responsible for the content within any external website or documents that are linked to from this site.

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