Pension advice that’s easy to understand

Our pension transfer service is designed to help you make informed decisions about transferring or consolidating your pensions.

H O W W E C A N H E L P

We'll provide you with a thorough analysis of your current pension arrangements and help you determine if a transfer is right for you.

Transferring your pension to a different provider can be a complex process. At Proper Pensions, we offer pension transfer advice to help you make informed decisions about your retirement savings. Our experienced financial advisors will work with you to assess your current pension plan and determine if a transfer is the right option for you.

Our pension transfer process consists of the following steps:

Initial Consultation

S T E P O N E

During your initial consultation, we will discuss your current pension plan and assess your financial circumstances. We will also review any existing pension plans you have and discuss the potential benefits of transferring or consolidating your pension.

Transfer Recommendation

S T E P T W O

Based on our assessment, we will provide you with a recommendation for whether or not a pension transfer is suitable for your individual needs. We will explain the potential benefits and risks of a transfer and help you make an informed decision.

Transfer Process

S T E P T H R E E

If you decide to proceed with a pension transfer, we will guide you through the process step-by-step. Our team will liaise with your current pension provider to ensure a smooth transfer and ensure that all paperwork is completed correctly.

Ongoing Support

S T E P F O U R

Our team will provide you with ongoing support after your pension transfer is complete. We will review your pension plan regularly to ensure that it continues to meet your needs and make any necessary adjustments.

Retirement Planning FAQs

  • A pension transfer is the process of moving your pension savings from one pension scheme to another. You may choose to transfer your pensions for a variety of reasons, including better investment options, lower fees, or to consolidate multiple pensions into one plan.

  • Whether or not a pension transfer is right for you depends on your individual circumstances and goals. Our experienced pension advisors can help you assess your options and determine if a pension transfer is the best choice for you.

  • Yes, depending on how it was set up, you can transfer your pension even if you are already retired. However, it is important to be aware of the potential tax implications of transferring a pension that is already in payment. Our advisors can help you understand these implications and make an informed decision.

  • The length of time it takes to complete a pension transfer will depend on several factors, including the complexity of your pension scheme and the speed of the transfer process. On average, transfers can take anywhere from several weeks to several months. Our advisors can provide you with a more accurate timeline for your specific situation.

  • Like any financial decision, a pension transfer involves risks. Some of the potential risks include loss of benefits, changes to tax laws, and the possibility of receiving lower returns on your investments. Our advisors can help you understand these risks and make an informed decision about whether a pension transfer is right for you.

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At Proper Pensions, our goal is to help you achieve a secure and comfortable retirement. Our team of experienced financial advisers is here to help you every step of the way.