Secure your client's future with expert guidance
Defined Benefit (DB) transfers require specialist care. The regulatory requirements are well known, but what really matters is the ability to deliver clear, defensible advice that reflects the client’s needs and stands up to scrutiny.
Our DB transfer support service is led by a fully qualified Pension Transfer Specialist and designed to provide clear, compliant, and high-quality outputs for advisers who want confidence in both the process and the outcome. Whether you need full transfer reports, a provisional review of the client’s circumstances to support abridged advice, or standalone technical input, we offer a flexible consultancy-style service that fits around your firm’s advice model.
We can produce full Appropriate Pension Transfer Analysis (APTA) and Transfer Value Comparator (TVA) reports – including all the supporting commentary and documentation needed to assess whether the client would be better off transferring out of their defined benefit scheme. Where required, we can also provide shortened abridged advice reports, offering a concise, evidence-led view on whether full advice is appropriate. In both cases, the output is objective, well-reasoned and tailored to your firm’s advice and the client’s circumstances.
For clients proceeding to full advice, we prepare thorough DB Transfer Suitability Reports that bring together financial modelling, technical justification, risk warnings and recommendation narrative into a single, clear document. These are prepared by a Pension Transfer Specialist and fully aligned to FCA expectations – but just as importantly, they’re written in a way that your client can actually understand.
We also offer support in navigating more nuanced cases – for example, those involving partial transfers, safeguarded benefits within hybrid schemes, or more complex planning objectives. We’re comfortable handling cases with high transfer values, multiple schemes, or where the client’s motivations need careful exploration and documentation.
Our process is built to mirror yours. We collaborate closely with you to understand your advice position, the client’s objectives, and your firm’s approach to risk and suitability. The outcome is a set of documents that help you deliver robust, personalised advice whilst meeting every compliance obligation.
We don’t believe in shortcuts. Each report is individually prepared, carefully reviewed, and delivered in a format that’s consistent with your firm’s style and documentation. Whether you handle DB transfers regularly or only in exceptional cases, we’re here to support you with the technical expertise, reporting experience and pragmatic input needed to get it right, for you and your client.
If you'd like to learn more about how we can support you with DB transfer cases, we'd love to hear from you. Click below to get in touch.
Disclaimer:
We provide consultancy services to support advisers in the DB pension transfer advice process. However, the responsibility for ensuring the suitability of advice remains solely with the adviser. We are not authorised or regulated by the FCA and do not provide or take responsibility for regulated advice, including DB pension transfer recommendations.
