The value of pensions 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.

Read the answers to some commonly questions about Simply Pensions, our process and Final Salary pensions.


We try to be as flexible as possible to accommodate our clients. You are welcome to join us at our Rossendale office for a meeting, or alternatively we are happy to travel out to your home or place of work.

Yes, there is plenty of parking at our Rossendale office.


Our advice is provided by our two Financial Planners, Stuart and Gary McNeil.

Simply Pensions Limited is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority.

You can find our entry on the FCA register by clicking here.

If either of our financial planners, Gary or Stuart, are away, you will have access to the other.

Final Salary pension advice

Making decisions regarding Final Salary pensions requires expert advice and guidance. Whilst the promise of a lump sum might sound tempting, deciding whether to stay in your Final Salary scheme, take a lump sum or complete a transfer is a big decision.

You pension has to last you for the rest of your life; if uniformed decisions are made, you will face running out of money in retirement.

Once we have a full picture of your financial situation, we will create a full financial plan that includes our recommendations; whether that’s to stay in your Final Salary scheme, take a lump sum or complete a transfer. The recommendations we make will be geared towards your aspirations, goals and desired lifestyle.

We will explain your options in full, including the benefits and any long-term potential consequences. We will guide you every step of the way should you choose to make any new arrangements for your Final Salary pension, completing all the paperwork so that you don’t have to.

We are Final Salary Pension specialists. Our Financial Planners, Gary and Stuart, have almost 40 years’ combined experience in working with people who are altering their pension arrangements.

We guide you every step of the way so that you can enjoy a fulfilling retirement built on well-informed choices.