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Final Salary Pension

Final salary schemes are a type of defined benefit pension scheme that are offered by employers. The benefits you receive at retirement are based on your earnings and your length of membership in the scheme

What is a Final Salary Pension or Defined Benefit Pension? 


During the last two decades tens of thousands of people have been persuaded to transfer valuable final salary pensions away from their current or former companies, and into often riskier personal pensions

For some, this may have been the right decision (people with a shortened life expectancy, or with no dependants or family members, may be examples of people who might be considered suitable for a final salary transfer)

BUT, many people have been given negligent financial advice to transfer their final salary or other type of Defined Benefit Pension

This is because of some advisers were not following the rules, and also because of the large commissions that  financial advisers have charged for giving final salary advice

Historically high transfer valuations (CETV) haven’t helped either, making it easier for advisers to convince pension holders that they’d get more money in retirement if they transfer, often without explaining the risks

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