You may be able to transfer the benefits you’ve built up into another pension arrangement. For instance, you could transfer them into a new employer’s pension plan, a personal pension, stakeholder pension plan or a buy-out contract. There are various rules around pension transfers and you will need specialised IFA advice if you are in a Defined Benefit scheme and the value of the transfer is over £30,000. Contact us HERE if you would like a ‘Cash Equivalent Transfer Value’ (CETV) statement. You can receive independent advice from The Pensions Advisory Service HERE. You can find an independent financial advisor by visiting the Money Advice Service HERE. You can also find details of your nearest Independent Financial Adviser at www.unbiased.co.uk.