Final Salary Pension Scheme Tranfers
Pension choices have become more flexible since 2015 when the Government gave everyone with a Final Salary Pension (sometimes called a 'Defined Benefit Pension') or 'Occupational Pension' the choice of transfering to something more flexible.
These 'Pension Freedoms' have enabled you the right to make choices about your pension and your retirement. You no longer need to stay in a Final Salary Pension if you find something more suitable for your needs.
Whilst a Defined Benefit Pension offers a guaranteed income for life in most cases, by transferring to a Personal Pension you could benefit from:
- Large transfer value in exchange for giving up some benefits
- Freedom to access your money on your terms, withdrawing more one year or less the next
- Ability to pass your pension on to your family when you die
Workshops
We run occasional workshops for members of these schemes (see below) to explain in detail what a transfer of their defined benefit pensions would entail. Please call us to find out if there is a workshop coming up for your scheme, or if there are a number of you who would like a workshop please call and we can arrange one.
Final Salary pension Schemes
- AA
- Abbott Laboratories
- ABInBev UK
- ABS Europe
- ACER
- Action for Children
- Aegon
- Aggreko
- AGS Airports Pension Scheme
- Ahli United Bank (UK) Pension Fund
- AIB Group UK
- AIG Pension
- Air Products
- Akzo Nobel (CPS)
- Alcatel Lucent
- Alliance UniChem Group
- Allianz
- Allied Domecq
- Allied Irish
- Allport Cargo Services
- Amcor Flexibles UK
- AMEC
- American Express
- Antalis
- ANZ (UK) Pensions
- Aon
- Apache UK Pension Plan
- API Group
- Argos
- Arjo Wiggins
- Arkema Bostik
- Arla Foods
- Arqiva
- Asda
- Associated British Foods
- Aston Martin
- Astra Zeneca
- AT&T
- ATI
- Atkins
- Atos UK
- Auto Windscreens
- AWG
- AWH Group
- AXA
- B&B
- Bacardi
- BAE Systems
- Baillie Gifford
- Bain Hogg
- Baker Hughes UK Pension Scheme
- Balfour Beatty
- Bally Group
- Bank of America
- Bank of England
- Bank of Ireland
- Bank of Tokyo
- Barnardo's
- BASF
- BATS
- BBA Aviation Plc
- BBC
- BCCI Staff Pension Scheme
- BEGG
- Bell Educational Trust
- Berkshire Council
- Berry Bros
- BHP Billiton
- Biffa Waste Services
- Birmingham City Council
- Black & Decker
- BMW
- BNP Paribas
- BOC
- Boots
- Bostik
- Bradford & Bingley
- Brambles Enterprises
- Brent Group
- Brewin Dolphin
- Bridon International
- Bristol Myers Squibb
- Bristol Water
- Britannia Refined Metals
- British Aerospace
- British Airways
- British Bakeries
- British Energy
- British Medical Association
- British Rail
- British Steel
- British Telecom PLC
- CAAPS
- Cable & Wireless
- Calachem
- Cameron Iron Works
- Cancer Research UK
- CapGemini
- Capita
- Cardiff University
- Carillion
- Carlyle Finance
- Centrica
- Channel 4
- Chevron
- Christies
- Chubb
- Church of England
- Citibank
- Citigroup Global Markets Limited
- Civil Aviation Authority
- Clerical Medical
- Clydesdale Bank
- CMG UK
- Co-operative Group
- Cobham
- Commercial Union
- Communisis
- Compagnie Fruitiere
- Compass Group
- Conoco Phillips
- Coral
- Countrywide Farmers PLC
- Coventry Building Society
- Credit Agricole
- Credit Suisse First Boston
- Crest Nicholson
- CSC Computer Sciences Ltd
- Cubic (UK) Ltd
- D.E. UK
- Dalgety
- Dar Al-Handasah
- DB (UK)
- Debenhams
- Dela
- Delco
- Deloitte
- Deseret
- Deutsche Bank
- DH&S
- DHL
- Diageo
- Dixons
- DMGT
- Doofan Babcock
- Dowding & Mills
- Dresdner Kleinwort
- DS Smith Group
- DTZ
- Du Pont UK
- Dun & Bradstreet (UK)
- Ealing Family
- Eco lab
- EDI Pearson
- Edmundson Electrical Ltd
- EDS Electronics
- EE
- Emerson
- EMI
- Ericsson
- Ernst & Young
- ESPS
- Eular Trade Indemnity
- ExxonMobil
- EYMS
- F Hinds
- FCA
- Fiat
- Financial Times
- FKI Group
- Flogas
- Ford
- Framlington
- Freshfield Lane Brickworks
- Friends Life
- Friends Provident
- Fujistu
- G4S
- Gala Coral
- Gallagher
- Galliford Try
- Gallup
- GATX
- GE Pension Plan
- GEC
- GlaxoSmithKline PLC
- Global SantaFe
- GMPF
- Goldman Sachs
- Grant Thornton
- Greater Manchester Pension Fund
- Guide Dogs for the Blind Association
- Gulf International Bank
- Halcrow Pension
- Halifax
- Halliburton
- Hallmark Group
- Hanson
- Harrods
- Harsco
- Hays
- HBOS
- Heathrow Airport Ltd
- Heineken UK
- Henderson Global Investors
- Hermes
- Hertz (UK) 1972 Pension Plan
- Hess UK Pension Scheme
- Hewitt and Mercer
- Hewlett Packard
- Hitachi
- Home Retail Group
- Honeywell
- Huhtamaki UK Ltd
- Huntsman Corporation UK Ltd
- IBM
- Ibstock Brick
- ICI
- Inchcape
- ING (UK) Pension Scheme
- Innospec
- Interpublic
- Interserve
- Invensys
- Invercauld Estates
- Investec
- ISS
- ITB
- ITV
- ITW Corp
- J&J Denholm
- James Walker
- Jardine Lloyd Thompson
- JCBE
- Jessops
- JLT
- John Good
- John Laing
- John Lewis
- John Menzies
- Johnson & Johnson
- Johnson Matthey
- Johnsons
- Jones Lang Lasalle Retirement Benefit scheme
- Jotun Paints
- JP Morgan
- KCA Drilling
- Kelda Group
- Kemira GrowHow UK Ltd
- Kenwood
- KLM
- KPMG Staff Pension
- KSB
- Kuehne+Nagel RH Scheme
- L&G
- Lafarge
- Lazard
- Legal & General
- Lehman Brothers
- LGPS
- LIG
- Limagrain
- Lincoln
- Linton Park Pension Scheme
- Littlewoods
- Lloyds Bank
- Local Government Scheme
- Lockheed Martin
- London Pensions Authority
- London Stock Exchange
- Loreal
- Lotus
- LV (Liverpool Victoria)
- M-Real UK
- Maersk
- Magnox Group
- MAHLE Powertrain
- Malaysia Airlines
- Manpower
- Marathon Oil
- Marathon Services Limited
- Marks & Spencer
- Marley 1986 Pension Scheme
- Mars
- Marsh Ltd
- MBI Inc (Insured Scheme AVIVA)
- McDonalds
- MCPS-PRS Alliance
- Medisence
- MEL Chemicals
- Mellon
- Mercer
- Merchant Navy Ratings Pension
- Merrill Lynch
- Merseyside Pension Scheme
- Metal Box
- MetLife
- MGN Pension Scheme
- Michelin
- Miller Group
- Mitchells & Butlers
- Mitsubishi UFJ Group UK
- MMC UK Pension Fund
- Molson Coors (UK)
- Mondelez
- Morrisons
- Mothercare
- Motorola
- Mott McDonald
- Murco Petroleum
- N M Rothschild
- National Grid
- Nationwide
- NATS
- Natwest
- NCL Investments
- NCR
- Nelson Hurst Group
- Nestle
- News International
- Newsquest
- Next
- NGTransco
- Nike
- NMR Pension Fund
- Noble Denton
- Noble Drilling
- Nokia
- Nomura
- Norcross Security
- Nordson
- Norfolk Pension Fund
- Northamptonshire County Council
- Northern Powergrid
- Northern Rock
- Northrop Grumman
- Northumbrian Water
- Norwich Union
- OCS Group
- Omya UK Pension Scheme
- Oracle
- Otto UK
- Owens Corning
- Oxford Instruments Plc
- Oxfordshire County Council
- Pace
- Paragon Group of Companies
- Paribas
- Parsons Brinkerhoff
- Pearl Group Staff Pension
- Pearson Group
- Pendragon
- Pension Insurance Corporation
- Pfizer Inc
- PGL Pension Scheme
- PGS (UK) Pension Scheme
- Phillips
- Phoenix
- PIC
- Pilkington Plc
- Pizza Hut
- Places for People
- Premier Foods
- Press Association
- Principality Building Society
- Procter & Gamble
- Provident Financial
- Prudential Staff Pensions
- Pte Motors
- PwC
- Qinetiq
- Quarriers
- RAC
- Railways Pension Scheme
- Rathbone
- Renold
- Rentokil Initial
- Repsol Sinopec
- Rexam
- RHM
- Richard Ellis St Quintin RF
- Richards Shipbuilders
- Ricoh
- Rio Tinto PLC
- RNLI
- Rockwell
- Rolls Royce
- Rothesay Life
- Rothschild
- Royal Bank of Canada
- Royal Insurance Group
- Royal Lancaster Hotel
- Royal London
- Royal Mail
- Royal Sun Alliance
- Ryanair
- Safeway
- Sainsbury's
- Saint Gobain
- Sal Pension Scheme
- Sanofi
- Santander (UK)
- Saul (QAA)
- Savills
- Schlumberger
- Schroders
- Scotia Gas Networks
- Scottish & Newcastle
- Scottish Amicable Staff Pension Scheme
- Scottish Fire Service
- Scottish Housing Association
- Scottish Hydro Electric
- Scottish Power
- Scottish Widows
- Sears Retail
- SGN
- Sharp
- Sheffield Council
- Shell
- ShepherdGroup
- Shetland Islands Council
- Ship Building
- Shop Direct Group Ltd.
- SHPS
- Siemens
- SIS
- Smith & Nephew
- Social Housing Pension Scheme
- Societe Generale
- Southern Gas Networks
- Speirs & Jeffrey Ltd
- Spence
- Spirit Aero
- St Ives
- ST Microelectronics
- Stagecoach
- Standard Chartered
- Standard Life
- Stanley Black and Decker
- Stephenson Harwood
- Steria
- Sugar
- Sun Alliance
- Sun Life of Canada
- Swiss Re
- Syngenta
- Tarmac
- TATA Steel
- Tattersalls
- Taylor Wimpey
- Taylor Woodrow Construction
- Telefonica
- Telent (GEC Plan)
- Tesco
- Tesco
- Texas Instruments
- TFL
- Thales
- Thames Water
- The Equitable Pension Fund and Life Ass Scheme
- The Football Association
- The Pensions Trust
- Thomas Cook
- Thomas Cook
- Thomson Corporation PLC Pension Scheme
- Thomson Reuters
- Thorntons PLC
- Tibbett & Britten
- Timken UK Pension Scheme
- Tioxide Pension Fund
- TNT
- Total (UK)
- Townsend Hook
- Toyota
- TR America
- Travis Perkins
- Trinity Mirror
- TRW
- TUI
- Tyco Holdings
- UBM
- UBS (UK) Pension & Life Assurance Scheme
- UK Power Networks
- Ulster Bank Pension Scheme
- Ultra Electronics
- Unilever
- Uniq
- United Biscuits
- Univar
- Universities Superannuation Scheme Limited
- University of Edinburgh
- UPS
- USS
- VA Tech (UK)
- Varatio ltd
- Vickers
- VINCI Pension Scheme
- Vivendi
- Vodafone
- Volex
- Volkswagen Group
- Volvo
- Wandel & Goltermann
- Wates Pension Scheme
- Weatherbys
- Weir
- Weslyan
- Wessex Water Services
- West Bromwich Building Society
- West Midlands Pension
- West Sussex Fire & Rescue Service
- Western Power
- Western Provident Association
- Whitbread
- Wiggins Teape
- William Hill
- Willis
- Wine Society
- Wolseley Group
- WSP/PB
- Xafinity
- Xerox
- XPO Logistics
- YMCA
- Yorkshire & Clydesdale Bank
- Yule Catto
- Zotefoams
- Zurich