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

Transferring out of a Final Salary pension is unlikely to be in the best interests of most people.

The case studies listed on this page are for illustrative purposes only and do not constitute advice.

Funding retirement – Tim

After going through two costly divorces, Tim hadn’t managed to build up any meaningful savings. He wanted to retire but was looking for guidance on what to do with his Final Salary pensions.

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Passing down wealth – Joanne

Joanne wanted to retire. She had been suffering from ill health for many years, therefore wanted to ensure her pension could be passed down to her daughters in the event of her death.

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