How It Works

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The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Transferring out of a Final Salary/Defined Benefits Scheme is unlikely to be in the best interest of most people.
No Obligation Pension Review

How do I get my no obligation pension review?

If you have any of the below types of pension or have opted out of a defined benefit or final salary scheme via a personal pension:

  • Private or Group Personal Pension
  • Self-Employed Pensions
  • Contracted out of SERPS (State Earnings Related Pension Scheme)
  • Defined Contribution Pension Schemes
  • Money Purchase Pension
  • Stakeholder Pensions Schemes
  • FSAVC (Free Standing Additional Voluntary Contribution) Pension
– we’d like to offer you an initial consultation to REVIEW YOUR CURRENT PENSION arrangements, THERE’S NO OBLIGATION!

How It Works


STEP 1. In the first instance please contact me for your no obligation pension review – we'll then post authority forms for completion and return.


STEP 2. I will telephone you to gather the basic information needed to allow us to conduct your review in accordance with the current Financial Conduct Authority requirements.


STEP 3. I will then contact your Pension provider or providers and collect the information we need to analyse and review your current pensions.


STEP 4. I will then arrange your choice of a telephone or face to face appointment with you to make the necessary recommendations on how to maintain or improve your pension provision.

Why Charles Derby?

We keep our reputation by delivering the best possible levels of service to our clients. You can rely on us that:

  • Your initial consultation to review your current pension arrangements, is without obligation.
  • You won’t be pushed into making any decision. There is nothing worse than high pressure sales, it’s something we simply never do.
  • We complete our process over the phone at your convenience, there is no need for us to come to your work, office or home, or for you to visit us.
  • We like to keep things jargon-free. If you don’t understand any of the process or any recommendations made, just ask.
  • After we have made our recommendations you are under no obligation to accept them, and if you chose not to, you will not be charged. However, if you do decide to accept our recommendation and ask us to implement the recommendations for you, charges will apply. We will not make any charges, and will not undertake any chargeable work, without your prior agreement.
  • We will only then make an agreed charge if you act on our professional advice. The effect of our advice fees will be taken into consideration when we make our recommendation.
How We Review Your Pension Provision

Our recommended 'Catch Up'

At least once a year we recommend a further meeting or ‘catch up’, this annual review meeting is optional and subject to a charge. The purpose of this is to make sure your pension provider is doing what they say and to answer any questions you may have. Of course, you are free to call us at any time throughout the year if you need advice on any of your other financial planning questions. Please remember that we offer holistic financial advice which includes not only reviewing Pensions but also your Investments, ISAs, Life Insurance and Mortgages.