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£30k is the threshold. As well as that, scheme trustees are becoming ever more careful about allowing even transfers of DC schemes - will often insist on a referral to Moneyhelper (essentially a ‘sense check’ to help stop bad decisions) before allowing the transfer (will depend on individual...

Yep, loads of IFAs no longer offering DB to SIPP transfers. Glad I got my modest pot done while I could and transfer values were high.

Not even that simple though and very much depends on what you need (what decisions you’re having to take) - for example, moving a DB pension to a SIPP over a certain value legally requires you to take independent advice. Agree there are tons of useful resources online, but ‘you don’t know what...

Not even that

100%…….the last 20 years of my career were in regulatory compliance in various roles - making fairly (or very) specific suggestions on the basis of very limited facts is a recipe for disaster. Despite my experience and qualifications I use an IFA for any major decisions.

Likewise. Overpaid monthly for several years - the impact on the overall term of the loan of overpayments is surprisingly large. The psychological benefit of not having a mortgage was colossal when we finally paid it off (almost 10 years early).

Likewise :shrug: