Every time you change employer, you face a decision about what to do with your pension entitlements — and it is a decision that has long-term consequences. A deferred benefit in a defined benefit scheme, a transfer to a PRB, a transfer to a new employer’s scheme — each has different implications for risk, cost, and future flexibility. PPFS provides clear, independent advice on all leaving service options so that you can make an informed decision at what is often a busy and uncertain time.

“Are you about to change jobs without knowing what to do with the pension you’ve built?”