Understanding the statistics helps you prepare for what many families will face.

1 in 2

People needing care in life

£50,000+ per year

Average cost of residential care

Less than 10%

People with adequate care funding

What Happens Without Planning

• When care funding runs out, the local authority steps in
• Your home may need to be sold to fund care costs
• Family members often bear the financial and emotional burden
• Early planning provides more options and better outcomes

We help you explore all available options to fund long term care whilst protecting your family’s financial security.

Before considering any pension transfer, it’s crucial to understand the potential risks and benefits involved.

Potential Risks

• Transfers are only suitable for a small minority of people
• You may be giving up valuable guaranteed benefits
• Investment returns are not guaranteed
• Charges will reduce the value of your pension pot

When Transfer Might Be Suitable

• Serious ill health affecting life expectancy
• No spouse/dependants requiring survivor benefits
• Very high transfer value relative to guaranteed benefits
• Strong need for inheritance planning
• Significant other retirement provision already in place

Pension transfer advice is a specialist area requiring specific FCA qualifications. We have the expertise and experience to provide the comprehensive analysis required.

Transfer Analysis Process

1. Initial Consultation: Understand your circumstances, objectives and concerns
2. Data Gathering: Collect detailed information about your pension and financial situation
3. Technical Analysis: Comprehensive modelling and comparison of options
4. Recommendation: Clear advice with detailed reasoning and risk warnings