Company pension scheme transfers

Pension flexibility-flexi access drawdown-Annuities 

Transferring out of a final salary scheme is unlikely to be in the best interests of most people 

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Why let your company decide how much your pension will be why not get advice on your options any member of a company scheme can transfer out under the new pension flexibility rules ask for a transfer value and you may be surprised how much this is and the flexibility you have with this fund

If you and your spouse die most company pension funds die with you, your fund may be worth hundreds of thousands and if you both die its gone.

With a personal pension you can pass the fund to your children, your company pension will die with you if single or if married your wife normally recieves a 50% spouses pension, if you die early your wife can be left the remaining fund in full which can often give the same 100% level you had.

Our Managing Director John Nelson holds some of the highest chartered insurance institute pension qualifications you could look for in a pension Adviser, holding all three pension qualifications, J04-Pension funding options, JO5-Pension income options, AF3- advanced financial Pension planning, The objective of this unit is to develop in depth financial planning skills related to personal and corporate pensions.

This allows John to give advice on your company pension scheme options at retirement, you may wish to now move your occupational scheme to a personal pension that gives you greater flexibility in retirement.

People are living longer which means there will gradually be less working people compared to an increasing number of retired people.


Contact us on 01259 21144401259 211444, or 07843 007 99007843 007 990 or,

The Value of pensions and investments and the income they produce can fall as well as rise, you may get back less than you invested.


Candour Financial Advisers Ltd. Registered in Scotland under No. SC291792. Registered office address – 2 Primrose Street, Alloa, Clackmannanshire, FK10 1JG


Candour Financial Advisers Ltd is an appointed representative of Quilter Financial Services Limited and Quilter mortgage planning limited who are authorised and regulated by the Financial Conduct Authority. Intrinsic Financial Planning Limited and Quilter Financial Services Limited are entered on the FCA register – 

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK


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