This category of enquiry really has seen a huge growth over the last couple of years, mostly from pension scheme members who will use the cash to repay debts or otherwise avoid expensive borrowing.

Financial adviser introducers will frequently be the first people to be aware of their clients’ needs in this respect: possibly from a telephone call, a periodic financial review or a client cancelling periodic contributions to a pension or savings arrangement due to financial difficulty.

If a client is a member of a previous employer’s final salary pension scheme the critical yield required to match the benefits promised at normal retirement age become almost unimportant. Simply, the scheme member does not want to wait until the scheme’s normal retirement age. Moreover, whereas a ‘traditional’ transfer decision might indicate that a critical yield of, say, 9% per annum could not be matched by personal pension investment growth this becomes irrelevant if the client needs or wants a lump sum of cash to avoid serious financial difficulty.

As we have a great deal of experience of a wide range of these types of enquiry we can provide a fast turn-around to completion. This is often stipulated as being essential by clients wanting money urgently, of course.

We would very much like you to give us a try, so please give us a call.