Pension Freedom

Pension Freedom

Pension Freedom, Retirement Planning and Divorce

Since 2015, the way in which we can access our pension savings has changed significantly and the choices available to each of us can be bewildering. Even Final Salary (DB) schemes can potentially be accessed flexibly but, the question is, should you and what is your best course of action?

As fully qualified Pension Transfer Specialists, we can guide you through the options available, consider all of the Pros and Cons and make a personal recommendation based on your circumstances.

Divorce is never straight forward and with all that is going on around you, it is important not to overlook the true value of any pensions that have built up. Working with your legal advisers, we can guide you through the maze of Pension Sharing, Pension splitting and Pension offsetting and help ensure that you extract the best value from any pensions involved in the settlement. Should I buy an Annuity or would Draw Down be a better option? Is the Cash Equivalent Transfer Value (CETV) that I’ve been offered by the trustees of my Final Salary (DB) Scheme good value or should I just take the benefits that I was offered in their original format?

Should I take tax free cash from my pension fund which contains a guaranteed annuity rate? Does it make sense to consolidate the various pensions that I have accumulated over my working career in one scheme? All questions that we deal with day to day so that you don’t have to worry.

Please contact us for an initial discussion with no obligation.

“With all the recent changes, we recently had to reconsider our pension arrangements. Tony guided us patiently and professionally through all options available. He made a complicated subject easy to understand and we feel very comfortable with the final outcome and our final choices. The whole experience was far less daunting than expected, and I would recommend The Ross Partnership to anyone looking for sound, personal and knowledgeable financial advice.”

Pensions and Investments – The Market value of your investments and the income derived from them can go down as well as up and you may get back less than you have invested.

Please contact us for an informal, no-obligation chat about your financial requirements.


The Ross Partnership LLP

12 Holly Crescent


Berkshire SL4 5SL

Tel: 01753 290909



Should you have cause to complain, and you are not satified with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows:

The Financial Ombudsman Service Exchange Tower, London E14 9SR

Tel: 0800 023 4567 or 0300 123 9 123


The Ross Partnership LLP is a Limited Liability Partnership registered in England. Registration Number OC391037. Registered office as company address as detailed on the Contact Us page.

We are entered on the Financial Services Register No 617015 at

The information contained within this site is subject to the UK regulatory regime and is therefore primarily targeted at consumers in the UK .