Transfers

Block transfers: Tax-free cash protection and protected pension age

Protecting tax-free cash on transfer is, and always has been, one of the most popular queries we receive. More specifically, what happens if an individual who is entitled to tax-free cash of more than 25% is transferring to another plan?

• Protected tax-free cash on transfer

And we also look at when a protected pension age is kept or lost on transfer.

• Protected pension ages including the increase to 57 in 2028

CPD | Pension switching: Achieving good outcomes for clients

In this webinar we discuss critical concerns and provide actionable strategies to address them from the Consumer Duty and best practices from sources such as Thematic Review of Retirement Income Advice and defined benefit transfers. Learn key Consumer Duty insights and best practices from leading sources.

• Pension switching: Achieving good outcomes for clients

Defined Benefit transfers

The FCA has produced a step-by-step guide which helps customers know what to expect when taking advice in connection with a transfer from a Defined Benefit scheme.

• Pension transfer advice: what to expect

In specie transfers

In specie transfers involve a transfer of assets between two pension schemes, and usually involve shares, property and/or funds.

• In specie transfers and contributions - what's the difference? 

Overseas transfers

What are the rules regarding transfers to overseas pension schemes?

• Overseas transfers

Safeguarded benefits

The Pension Schemes Act 2015 introduced the concept of safeguarded benefits from 6 April 2015. It also placed a requirement on some individuals to take financial advice before they can give up safeguarded benefits. We take a look at what safeguarded benefits are and when an individual needs to take advice to give them up.

• Safeguarded benefits

Transfers in drawdown

Our top five frequently asked questions

We look at transfers in drawdown in the latest in our series of top five FAQs on pensions technical topics.

• Transfers in drawdown our top five frequently asked questions

Our frequently asked questions

Here we look at some of the questions we are asked most often. 

• Transfers
• Safeguarded rights