Looking for pension transfer advice?

Final Salary Pension Transfer offer final salary pension transfer / DB pension transfer guidance to all UK citizens. We assist you with obtaining specialist independent financial advice which helps you to make that very important decision about your future income pension wisely.

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    When you leave a DB or ‘Defined Benefit / Final Salary’ scheme

    When you leave a final salary pension scheme as a deferred member you can consider the possibility of doing a DB transfer. When you leave the DB or ‘Defined Benefit’ Scheme you are given by the DB / ‘Defined Benefit’ or Final Salary pension scheme a cash equivalent transfer value or CETV (CETV). The concept is difficult, like anything in pensions.

    To explain, with a final salary pension your pension benefit is calculated (defined) as a per annum pension amount (£x per annum pension). An amount you will get every single year after retirement until you die. So, to put that into a ‘cash’ figure and not its current ‘per annum pension’ figure the final salary pension scheme Trustees converts that pension into a cash amount and calls it a cash equivalent transfer value or CETV (CETV).