Pension Transfers

We specialise in the business of pension transfers and provision of ongoing investment advice with the aim of maximising risk adjusted returns.

If you are considering the transfer of your pension(s), it is probably for one or more of the following reasons:

1. To achieve better investment performance.
2. To consolidate a number of pensions.
3. To reduce charges

It is relatively easy to justify the transfer of pensions if this results in lower charges but unfortunately the pursuit of improved performance usually comes at a higher price.

Pension Choices

There are many providers of pensions but we have categorised your main choices below:

Either:

1. Low Cost Stakeholder Pension

Some years ago, the government introduced 'low cost' stakeholder pensions with a charge cap of 1.0%p.a. This charge cap was is now 1.50%p.a. The typical investor in Stakeholder pensions is generally motivated by low cost and does not require ongoing investment advice and/or complex retirement options. For this reason investment is usually in one or more of a limited range of managed investments.

Or:

2. Higher Charging Personal Pensions including SIPP (Self Invested Personal Pension).

These pensions tend to suit individuals who are willing to pay higher charges in the persuit of improved investment performance and/or complex retirement solutions usually requiring ongoing advice. It is largely due to the cost of advice but also the relative complexity of these plans that these solutions cost more than stakeholder and other simple insured personal pensions. Based on our experience, the annualised cost of these plans is likely to be between 1.50% and 2.00%p.a.

Our Service

• We provide impartial advice on pension transfers with ongoing investment advice aimed at maximising your risk adjusted returns.
• We will arrange the pension of your choice and all underlying investments on an advisory basis.
• We will not recommend transfer where it is deemed to be disadvantageous for whatever reason.

The Next Step

The most important thing, when considering the transfer of pensions, is to choose an adviser who has the relevant expertise and experience in this field and to be satisfied about his/her impartiality and level of remuneration. If you are satisfied about these two things, the rest tends to be plain sailing. To find out more about our firm and our pension transfer advisory service without any obligation whatsoever, please call us on 01993-852671 or complete the enquiry form.