Should I Transfer out of my Final Salary Pension Scheme?

If the answer is Yes to the questions below, you may want to find out what options are available to you and speak with a Pension Transfer Specialist

Have you already left a Final Salary Pension Scheme or do you plan to in the near future?

When you stop working for your company your final salary scheme is frozen and you become a deferred member of the scheme. The benefits will usually be revalued and will increase with inflation. A transfer value can be requested to establish the value of the pension with the retirement options included.

Are you over the age of 55?

As you cannot typically access your pension before the age of 55. The FCA states that Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people. Careful advice is required to determine if transferring is in the best interest.

In the answer is YES to the above Book a Free Consultation with us today.

Download Our Free Guide


Final Salary and Defined Benefit advice is a very complex and highly specialised regulated area of financial advice. We have therefore produced a guide concerning “The pros and cons of transferring your Final Salary pension, and the effect of Covid-19”. 

Call us today on 0208 464 9012 to speak to a Pension Transfer Specialist  

Why should I contact Palantir Financial Planning Ltd?


  • We are Pension Transfer Specialists
  • We hold the Pension Transfer Gold Standard on best practice advice. As a Gold Standard holder we are committed to adhering to the standards of helping each client understand and obtain appropriate financial advice.
  • We are registered on the FCA register
  • We are passionate about helping our new and existing clients

Download the Short Guide       Download the Long Guide

We have produced this short video to give you additional information that you may find useful concerning your Final salary scheme.

An independent company called Money Alive have also produced a short video that gives you some basic details concerning Final Salary Schemes and Defined contributions. This will assist you understand some of the matters around different pension arrangements. Thank you Money Alive for making this video available.

 Money Alive – Stay or transfer?

What Our Clients Say

H. Volkan

“It is not often I find the need to heap praise on a person or organization, however on this occasion I feel compelled to do so. I have been a client of Palantir financial services for two years now, and the service I receive is a complete opposite of that I received from my previous pension advisor .From the moment I was introduced to Eamonn Prendergast I was struck by how professional and knowledgeable he was, Eamonn explained in detail and in plain English how he intended to restructure my pension plan, which at the time was a bit of a mess to say the least. He explained the pros and cons of various plans in a clear and concise manor and tailored a package he thought would best suit my circumstances, the price of the plan and fees were clearly pointed out and explained. Eamonn regularly makes contact to update on issues and offer solutions to problems that may arise, his honesty and integrity is evident in all the meetings I have with him. In an industry that seems to attract more than its share of con men and charlatans, Eamonn and Palantir has been a beacon of light that shines out. For a complete peace mind, I would not hesitate to highly recommend them”.

David B

“Eamonn has provided us with an excellent and understandable financial guidance. He is knowledgeable and helpful in wide range of products and nothing is too much trouble. He keeps you updated on progress and is quick to answer and questions or queries. I would not hesitate to recommend him without any reservations”

Mark L

“The guidance and advice I have received from Eamonn was second to none. He is extremely proactive and very knowledgeable on all areas of finance. I had a number of complex financial issues that required urgent attention and Eamonn was able to explain them to me in a number jargon manner which was a massive help”

Angela B

“Eammon provided the most incredible service. We were on a fixed time frame when we were introduced and turned to him for support and advice. Not only did he achieve everything within the time frame we set, he has provided excellent advice, was in touch regularly updating us every step of the way, managed our expectations and delivered exactly what he had promised. I cannot recommend Eammon highly enough, especially when it comes to sound long term investment and pensions advice”

Martin R

“The professional and confidential information that Eamonn had with his approach to my pensions was outstanding and his expertise in dealing with the transfer was unrivalled”

R White (Whiter Financial)

“I have known and worked with Eamonn for 2 years, during which he has provided Defined Benefit advice to some of our clients. He has always offered an excellent, well managed process and provided these clients with sound advice and all they need to make an informed decision. Highly recommended”

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

Request a Callback

Fill in the form below and a member of our team will endeavour to respond to you within 24 hours.