Bobby, commission based advice was never free, and in many cases very costly.
If they are final salary schemes do nothing without proper knowledge or good advice. and a lot of thought.
Never ever respond to any sort of cold call or mailing. The same applies to "schemes" you might stumble across on the internet. Brazilian hardwood plantations, storage units with guaranteed returns and ones we haven't even imagined - you'd never see your money again.
Sorry that's all negative stuff that you probably know but it can't be repeated too often.
There's lots of stuff on the net about finding financial advice, just take note of the source.
If you have occupational pensions you might find that one or more of those will have a scheme for offering you free (paid for by them) or subsidised advice. The scheme I am a trustee of does that - we have to be very careful about transfers, which is why we insist people have had advice and because our job is looking after members' interests (and the company has agreed to pay for it) we will contribute to one round of independent advice through a group arrangement (they can't keep repeating it). That advice necessarily looks at the whole picture for the member, not just the pension from the scheme.
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