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

Final Salary & Defined Benefit Pension Transfer Advice

At Vizion Wealth, our retirement planning specialists have a high level of pension qualifications to allow them to understand pensions and the pros and cons of transferring in great detail. If you have a final salary or defined benefit pension, we will arrange a review of your scheme with an external defined benefit pension transfer specialist. We work with an external agency to undertake this review, so you can be certain that we are acting completely impartially. If the external defined benefit pension transfer specialist recommends to transfer your pension, we can 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.

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For an initial chat about your personal or business financial planning needs, you can speak to an expert by calling our Milton Keynes office on 01908 920043. You can reach us via email at info@vizionwealth.co.uk


Milton Keynes Headquarters: Vizion Wealth LLP, 16 London House, Swinfen’s Yard, High Street, Stony Stratford, Milton Keynes, MK11 1SY. Telephone: 01908 920043.
Registered in England number: OC367088. 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.

If you wish to register a complaint, please write to info@vizionwealth.co.uk or telephone 01908 920043. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.

The Financial Conduct Authority does not regulate tax planning, trusts or workplace pensions.
Please do not hesitate to contact us if you have any questions regarding this review.

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