Consultation
Pension Transfer Second Opinion
An independent reading of a proposed defined benefit transfer or consolidation, focused on what you keep, what you lose, and the charges that follow.
Who it is for
Members considering a DB transfer or consolidating several workplace pensions into one arrangement.
What you leave with
A written second opinion that either supports the proposed move, suggests staying put, or lists conditions before proceeding.
Scope
Review of transfer packs or consolidation proposals, one deep-dive session, and a written opinion letter.
Included
- Review of ceding scheme paperwork you supply
- One 75-minute session
- Written second opinion letter
Not included
- Executing the transfer on your behalf without a separate mandate
- Ongoing advice on the receiving scheme after transfer
Who delivers the work
Shoreline adviser familiar with UK DB and DC transfer considerations.
Process
- Send the transfer or consolidation pack
- Attend the review session
- Receive the opinion letter
Timeline
Often seven to fourteen days once documents arrive.
Where we meet
Primarily remote across the UK.
How to prepare
Full transfer pack, spouse details if benefits are contingent, and any adviser recommendation already received.
Constraints
Some regulated transfers require additional independent scrutiny beyond this second opinion.
Fees
From £1,100