Defined Benefit: Final Salary Pension Transfer

Tideway is one of the UK's leading pension transfer specialists

Tideway's Pension Advisory Service

Defined Benefit: Final Salary Pension Transfer

Tideway is one of the UK's leading pension transfer specialists

We are here to support you in these uncertain times.

Tideway remains open for business to help and advise you. We are following the government’s guidelines in terms of reducing social contact and as such many of our team are currently working from home. However we remain fully operational and all our staff and advisers are available through their usual contact details and our office hours remain the same.

At this time we have decided to conduct all client meetings over the telephone and will contact you directly should you be affected. We will continue to provide general updates via this website and will be providing regular investment updates to our Tideway Wealth clients via email and the Tideway portal. Should you have any concerns please do not hesitate to contact us.

Because of restrictions imposed during the Coronavirus pandemic, it is not currently possible to host Defined Benefit pension transfer seminars in our London office. Instead we would like to offer free 1-to-1 consultations with Tideway's Managing Partner, James Baxter. Please click here for more information.

Our mailing address has temporarily changed - please click here for details.

Pension Transfer Gold Standard

Tideway is an independently owned firm of specialist pension advisers and wealth managers which has handled over £1bn worth of final salary pension transfers since April 2015.

Our CETV Calculator will provide you with an estimate of the range of transfer values you might receive based on your DB pension value. The calculation is purely an illustration and does not imply an individual’s transfer suitability. Please click here to find out how this calculator works and the assumptions it makes.

CETV Calculator

How much is your annual pension income going to be (in today's money)?

When is it due to start?


Your pension transfer value could be in the range:


Tideway Q&A

Q. How many specialist transfer advisers do you have and what experience does the firm have in doing transfers?
A. Tideway has five advisers with specialist pension qualifications who have handled over 1,600 transfers since April 2015. (If advice is going to be cross checked it's vital to have at least two advisers with considerable experience).

Q. Advice firms make a lot more fees over time if you transfer than if you don’t. How do you manage this conflict of interest?
A. All Tideway’s transfer advisers are paid basic salaries and bonuses based on advice standards as well as the firm’s overall success. They do not receive any remuneration in relation to whether individual clients transfer or not. (Many advisers providing transfer advice will see their personal remuneration directly increase if you transfer.)

Q. Will I make enough returns on my transfer fund?
A. Guaranteed returns today, from cash deposits or gilts, are less than inflation after costs, so most clients will need to put their capital at risk after the pension transfer and returns will not be guaranteed. Tideway will only recommend transfers where the investment return targets post transfer are conservative, and we are fully focused on the lowest risk ways to achieve these returns.
For more information on how we invest, see our Tideway Wealth Management website.

Q. What fees will I pay?
Initial fees: Tideway operates a capped transfer advice fee of 1% of the transfer value with discounts for larger transfers. This advice fee is only payable if the transfer goes ahead with Tideway.
Ongoing fees: ongoing fees will depend on exactly how you invest post transfer. Clients using Tideway’s Wealth Management service will pay total fees of around 1.7% per year which will include SIPP fees, custody fees, total fund costs of the underlying investment funds and Tideway’s ongoing advice fee.
Learn more about our fees...

Make a final salary pension transfer enquiry

Why consider a final salary pension transfer?

Any information contained within this website should not be deemed to constitute investment advice and should not be relied upon as the basis for a decision to enter into a transaction, or as the basis for any financial or investment decision. Investors should always seek professional advice regarding the suitability of any investment. Additional information about final salary pension transfers can be found in our free guides.

Tideway Investment Group comprises the following entities: Tideway Investment Partners LLP and Tideway Wealth Management Limited. Tideway Wealth Management Limited is an appointed representative of Tideway Investment Partners LLP, which is authorised and regulated by the Financial Conduct Authority. FCA number: 496214.

Tideway Investment Partners LLP
Click here for contact details

+44 (0)20 3143 6100

Pension Transfer Gold Standard

© Tideway Investment Group 2020