Call us today 0141 331 0660

Email: info@wardegraham.co.uk

Call us today: 0141 331 0660
Email: info@wardegraham.co.uk

Defined Benefit Transfers

Transferring a final salary pension is a complex and irreversible transaction that requires specialist advice. Understanding the pros and cons of transferring your benefits is therefore essential before you take any action.

Defined Benefit Transfers

Transferring a final salary pension is a complex and irreversible transaction that requires specialist advice. Understanding the pros and cons of transferring your benefits is therefore essential before you take any action. In fact, if your benefits have a cash value in excess of £30,000, the Government will require you to take professional financial advice. This is where Warde Graham come in – with many years’ worth of experience and expertise, we can help you reach your goals based on your individual circumstances.

With life expectancy increasing and investment returns diminishing, many final salary schemes are looking to reduce their liabilities by offering enhanced transfer values. It’s important to remember, however, that although a ‘cash equivalent transfer value’ (CETV) may look attractive, you will be giving up an income that is guaranteed for life.

For many people, transferring a final salary pension does make sense.
Clients that we have helped in the past include those that are:

Single with no financial dependents
Civil partners/same sex marriage
In poor health, or whose life expectancy is limited
Independently wealthy and not solely reliant on their pension in retirement
Looking for the flexibility to control their income

At Warde Graham, our expert advisers will research your situation thoroughly and provide you with comprehensive transfer analysis report. If we recommend you proceed with the transfer, then we will arrange the transaction for you and provide ongoing advice.

Our Services

Investment

Investments

Typically, many of our clients may want to invest money on a regular basis to build up a capital sum for the future. You might be planning for your retirement...

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Pensions

Pensions

The individual and group pensions market is an ever-changing world, especially with the introduction of the pensions freedom legislation...

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Protection

Protection

Wealth and personal protection is an essential must-have to secure the future for both you and your family if an unexpected life event happens...

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Our Address

Warde Graham Consulting Ltd
166 Buchanan Street
Glasgow G1 2LW

Tel: 0141 331 0660
Fax: 0141 331 2992
Email: info@wardegraham.co.uk

     

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