Final Salary Transferwise

Independent Financial Adviser  9th Floor, London, Greater london, EC2A 4EB
First meeting at adviser's own cost
Should I cash-in my cast-iron, inflation-linked, guaranteed income for life? Is it right for me? Talk to us
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Critical illness
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Income protection insurance
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Life insurance
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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EEA
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Rest of world
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group private medical insurance
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Long term care
Response rating
9.2/10
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FCA authorised
Last authorised 21st September 2020
Meet our advisers
Richard Hopkins
Director

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

This examination assesses a knowledge and understanding of investment products and the risks involved.

Accreditations
Chartered Financial Planner
David Bright

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

This qualification helps advisers develop and demonstrate their financial planning capabilities. 

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This examination assesses a knowledge and understanding of financial protection plans.

This examination assesses a knowledge and understanding of investment products and the risks involved.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

What our clients say
Vijay Thakkar and Blackstone have helped us with financial planning for 17 years. Over that time he has helped us think about what we are trying to achieve and how we might put that into practice. What we also value is the ‘no pressure’ approach that comes with the good advice we value. We are reasonably financially aware and had noted the high transfer values available on final salary schemes. We were also aware of the utility of DC schemes to shelter IHT. The report from Blackstone confirmed our thoughts and we decided to transfer the pension after discussing the pros and cons with Blackstone. Vijay’s team did a great job of getting the transaction done in short order to make up for our slowness! Excellent attention to detail and personal service as ever.
Ian Scott, London
We had a complex SIPP requirement involving multiple pension schemes and a joint property purchase. Our previous advisor had informed us that the chances of getting approved were slim at best and that we should be prepared to wait up to a year for the transfer to complete. We were fortunate enough to be recommended to Blackstone Moregate through a friend. From the outset Richard and colleagues from Blackstone Moregate assured us that the transfer wouldn’t be a problem and that even given the complex nature, they would be able to turn this around for us very quickly. I wouldn’t usually make a recommendation, but I can honestly say the service we received was “first class”. The team were always very responsive to emails and phones calls and guided us through every step of the process. In my opinion they went out of their way to explain things in precise detail, provided much needed reassurance and met some difficult deadlines imposed upon us. My thanks once again to Richard and the team
Adrian Cowley, London
We chose the name of 3 companies/individuals from the ‘unbiased’ website and decided that Blackstone Moregate (David Bright) were best placed both technically and location wise to provide us the financial consultations we required. Their response to our initial request was both timely and informative. The advice provided was always very clearly explained in terms that we could understand and also what options were available with my pension pot. Our plans with regard to what we wanted to do with the pension were discussed with David Bright at length over several meetings and the final proposed option exceeded our expectations with what the pension pot could give us as opposed to leaving the funds in my company pension scheme. Finally, David Bright continues to provide excellent post transition support to us and we hope to continue to enjoy and maintain this relationship going forward.
David Perry, Essex
About us

Final Salary Transferwise (an initiative of Blackstone Moregate) was set up to answer the need for plain talking, honest and transparent final salary pension transfer advice.

Final Salary Transferwise have the technical expertise and knowledge, with more than 70 years of collective experience in pension advice. Our strength is that we listen and truly understand what drives you and then pools the relevant expertise to give you the best independent advice together with all the relevant facts so that you can make an informed decision.

We want to keep you, and the people who rely on you, safe in retirement.

Please try our interactive calculator to see what your pension fund might be worth in retirement and then answer some simple questions to see if transferring your final salary pension would be worth exploring further.

Our services

Final Salary Transferwsise are experts in providing pension advice. The market for final salary pension transfers has exploded and the temptation to “cash in” has never been greater.
To assess whether a transfer is right for you, we conduct a thorough, holistic review of all your financial affairs, including your assets, income, background, goals and risk appetite.
Our pension specialists will help assess whether your retirement income will last your entire life and that the money will never run out.
The result is a fully-informed, professional, transparent and personal recommendation about whether a transfer is suitable for you.

Where to find us
Head office address: 9th Floor, 30 Crown Place, 31 Bury Street, LONDON, EC2A 4EB
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£250,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
9.2/10
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FCA authorised
Last authorised 21st September 2020

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