Final salary pensions, also known as defined benefit pensions, are often described as the "gold standard."

They are gold-plated, cast-iron and guaranteed for life - anyone thinking about not taking the gold-plated guarantee, definitely should be taking some expert pensions advice.

Final salary pensions provide a guaranteed income for life, often with inflation protection, and provide stability, peace of mind, and predictable payments.

Transferring may be suitable if you want more flexibility, pass benefits to family, or if your lifestyle/health means it should be considered.

Expert Professional advice is essential. These are high-value, complex pensions and you should make the most informed decision for you and your family.