Understanding Final Salary Pensions

What is a Final Salary Pension?

Final salary pension (FSP) schemes were designed to give you a regular, reliable income in your retirement that reflected your salary at retirement. Your employer would make a generous contribution while your contribution may have been more modest. In the event of your death your spouse would receive a portion of your pension for the remainder of their life.


When you started your career an FSP, accompanying a ‘job for life’, would have been an excellent employee benefit but does it hold the same value today or is it a myth?


Trentham Invest specialises in providing relationship based independent financial advice. We provide advice on a wide range of financial matters. Our distinction comes through:

  • our achievement of professional qualifications
  • experience
  • high standards
  • strong commitment to financial planning and customer service

Nicola Downs, business principal and independent financial adviser (IFA) has industry recognised accreditations that place her in the top 5% of UK financial advisers. Nicola’s reputation for excellence has been recognised far beyond the boundaries of the Mole Valley.

Please note this website is for information purposes only and does not construe advice. If you are in any doubt please call Trentham Invest Ltd on 01306 881999 for independent financial advice.

Transferring Out

When you transfer out of a final salary pension and into a personal pension scheme, you can dictate where and how it is invested…

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Final Salary Myth

Final salary pension schemes were designed to give you a regular income that reflected your salary at the point of retirement…

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About Us

Nicola is highly experienced at preserving and growing peoples wealth, having managed over £35 million of investments…

Nicola Downs

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