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Should have said costs associated with transfer analysis report (compulsory on any final salary transfer over 30K). As you rightly say, no charge for transfer valuation report.

I've got some old Final Salary Schemes from big financial organisations. Because of the way they are calculated the transfer value is out of proportion to the guaranteed pension. (Unless I live to 110+ in which case I may have different priorities :lolol:)

In my attempts to forget last night, I've been spending this morning going through my pensions, with are extremely wide-ranging, varied and small as a result of a fairly nomadic 'career'. Amongst them are some final salary schemes which I'm looking at reviewing. Does anyone have any experience...