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Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.

You are legally required to take suitable financial advice before transferring any final salary pension scheme worth more than £30,000. This advice must be independent of the scheme itself and come from a regulated individual with an advanced qualification in pensions.

As pensions specialists, we provide this advice to a level that exceeds the minimum requirement, with the added assurance of being a trading style of Quilter Financial Planning Limited and Quilter Mortgage Planning Limited.

Ginkgo Financial is led by Daren Wallbank FPFS. Daren is one of just 6,655 Chartered Financial Planners and one of only 2,876 Fellowship holders of the Personal Finance Society. Anyone engaging the services of a Chartered professional can expect that the person meets the highest professional qualifications for that profession; that those standards are monitored and kept up-to-date through continuing professional development.

Daren holds advanced pension qualifications and specialises in this complex area. From 2016 through to December 2018, Daren has completed £39 million worth of final salary cases.

Daren is happy to hold a free initial telephone call with you, to put your mind at rest, give you an honest second opinion or just answer your final salary concerns.

Remember any decision to transfer is irreversible, so make sure you are well advised.

Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.