Pension Transfer Gold Standard - Ginkgo Financial Ltd
An introduction to pension transfer advice

Pension Transfer Gold Standard

Warning Text

Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.


For your own protection, government has made it a legal requirement to take financial advice before you transfer from certain pension schemes, like Final Salary or Defined Benefit schemes.

But finding the right source of that advice can be daunting. That’s why Ginkgo Financial has chosen to adopt the Pension Transfer Gold Standard. We want you to feel confident at every stage of the process that our advice, service and ethics meet the highest professional standards.

What is the Pension Transfer Gold Standard?

The Pension Transfer Gold Standard is awarded by the Personal Finance Society (PFS) and is designed to give you confidence that you are working with expert pension advisers who are guided by a set of principles.  Adhering to these “golden rules” helps us to consistently deliver high quality pension advice or pension transfers.

Pension Transfer Gold Standard Principles:

In signing up to the Pension Transfer Gold Standard, we commit to:

  • helping  you decide whether taking advice is right for you, before you incur any costs
  • making sure that the financial information we give you supports your overall wellbeing, in terms of your stated needs and wants
  • using appropriately qualified technical skills when providing advice
  • only recommending mainstream investments from regulated investment companies
  • being fully transparent and making sure you understand all the costs involved
  • drawing your attention to any conflicts of interest and explaining how we will manage them
  • sharing with you our experience and the outcomes of advising people on transfers

Find out more about the Pension Transfer Gold Standard.

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