Final Salary
Pension Transfers
Know your options with expert, trusted advice on final salary pension transfers.
Your Final Salary
Pension Specialists
Do you have a ‘final salary’ pension and you’re thinking of transferring out of your scheme? Also known as a ‘defined benefit’ or an ‘occupational pension’, it’s a big decision leaving this type of pension scheme. It’s important to get specialist advice before you consider a transfer, and you will need to know how much your pension is worth.
For your peace of mind, Riverfall Financial adheres to a voluntary code of good practice for defined benefit pension transfer advice. Previously overseen by the Personal Finance Society, participating firms adhered to a set of 9 core principles, which ensure you will receive trusted pension advice. If your pension fund value is more than £30,000, you are legally required to seek expert advice.
As every scheme varies and everybody’s situation is different, speak to our qualified and experienced team. We use a trusted system to analyse every angle, and we will give you clarity on your options, so you can make an informed choice about your pension.
Meet Lindsey
‘Trust is so important. For me it’s more than trust though, I have to like the person I’m dealing with, have to feel they’re on my wavelength and can understand where I’m coming from and what my husband and I want from our retirement planning’.
How we can help you with your final salary pension transfer
There are many instances when a final salary pension transfer might not be advisable. Our pension transfer specialists will check various factors, including your current status to see if you are still working and contributing to the scheme. If you are no longer contributing to the pension scheme, there may be different options to explore. As everybody’s situation is different, our advice is always tailored to your personal circumstances.
Our pension experts will advise you on how you can gradually withdraw an income from your pension fund to support you in your retirement. If you choose to transfer out of your pension scheme, you will need specialist advice on how to invest your money. It’s our aim to help you manage any potential pitfalls, so you can use your money to live the life you want.
CFP TM Chartered FCSI
Our Expert’s View
You now have the freedom, if you wish, to move out of your final salary pension scheme, but many people don't realise that the clock is ticking.
CFP TM Chartered FCSI
Our Expert’s View
There has been much talk in the media about transferring out of final salary pension schemes. We cut through the confusion and ask 'what's all the fuss about?'
CFP TM Chartered FCSI
Our Expert’s View
Trust is once again in the news again as headlines about the Tata Steel pension fund allege that financial advisers have not advised scheme members in their best interests.
CFP TM Chartered FCSI
Our Expert’s View
Whether or not to transfer out of a final salary pension scheme is one of the biggest financial decisions of your life. We take a closer look at the four key questions you should be asking.
The Pension Transfer Gold Standard
We adhere to the Pension Transfer Gold Standard. This is a voluntary code of good practice for safeguarded and defined benefit pension transfer advice, overseen by the Personal Finance Society and based around a set of 9 core principles that participating firms adhere to.
What our
clients say
Your Final Salary Pension Transfer Experts
If you have a 'final salary' pension (also known as a 'defined benefit' or 'occupational' pension) and are thinking of transferring out of your scheme, this can be one of the most important financial decisions of your life.
Every scheme is different and each person's circumstances are unique, so it is vital – and required by law if your fund is more than £30,000 – to seek expert advice from a pension transfer specialist you can trust.
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Frequently Asked
Questions
Absolutely not. Your first meeting, typically lasting an hour, is at our expense and is the opportunity for you to decide if you would like to work with us. It is also an opportunity for us to ensure that we can add value for you before proceeding any further.
We are based in Ruddington and also have office space in Mountsorrel near Loughborough as well as central London. For directions to our Ruddington office please visit our About Us page.
We would always suggest, where you are comfortable and where practical, that your initial meeting is held face to face. We also have Teams conference calling and are happy to speak over the telephone. Call us today and one of our team will be happy to set up an appointment time, day and method that suits you best.
We offer Personal Planning, Business Planning and Mortgages & Protection, including Final Salary Pension Transfer Advice. If there’s an area which we can’t offer assistance on we will help you source alternatives if suitable. We would be happy to run through everything that we offer in an initial, no obligation meeting.
All of our fees are agreed upfront and before any chargeable work is carried out, providing you with the peace of mind that you understand exactly what you’re paying. We also offer a range of payment methods. Our planners are happy to discuss our fee models in an initial, no obligation meeting and will always provide a bespoke proposal for your consideration.
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