Consultation
Pension Transfer Review
An independent assessment of whether leaving a defined-benefit or older scheme for a personal pension is suitable for your circumstances.
Who it is for
Members of final-salary or other safeguarded schemes who have been offered a transfer value and want a second, independent view.
What you receive
A suitability opinion with clear reasons to stay or transfer, including risks to spouse benefits and inflation protection.
Provider: Cedar Wharf Financial Advice
Scope of the engagement
Included
- Transfer value analysis
- Comparison of scheme benefits retained versus flexible access
- Written suitability letter
Not included
- Acting as scheme trustee
- Litigation against employers
How the work unfolds
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1
Scheme pack review
We read the cash equivalent transfer value and scheme booklet.
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2
Attitude and need assessment
We explore income needs, health, and dependents.
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3
Opinion & next steps
We deliver a clear stay-or-transfer recommendation.
Preparation & practical notes
Ask the scheme for a current CETV and full member booklet before our first meeting.
We will decline to recommend a transfer where safeguarded benefits are clearly more valuable for your needs.