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If you have old benefits in a company occupational pensions scheme, or you have a scheme that is being closed to future accrual or is in difficulties, then we can advise you. This is an area that we specialise in, having the appropriate qualifications and permissions from the regulator.
The default position is that company pension schemes should stay where they are, but you cannot make this decision without knowing all of the details. There can be good reasons for moving schemes – for example the death benefits after leaving active service can be awful.
Occupational pensions should be examined at retirement, particularly following the new pension freedoms, to be sure that you get the best deal you can.
If you are single, or in ill health, then this is particularly important, as taking the offering from the scheme may not be in your best interests.
Let us review your occupational pension to ensure you get the best deal at retirement.