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Contact Us


New Barn

Manor Farm Courtyard

Southam Lane




GL52 3PB

Phone: +44 (0)1242 514563

© 2018 by HDA Chartered Financial Planners

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk.

HDA is the trading name of Hugh Davies Associates Limited which is authorised and regulated by the Financial Conduct Authority (Firm no. 125569). Registered in England No. 1998413.   Registered Office New Barn, Manor Farm Courtyard, Southam Lane, Southam, Cheltenham, GL52 3PB.  Telephone: 01242 514563

  • Peter Clark

Should I stay or should I go now?

For many years, Independent Financial Advisers have considered transferring benefits out of a Final Salary (Defined Benefits) Scheme to be a very bad idea. However deferred scheme members have seen transfer values (known as Cash Equivalent Transfer Values or CETV’s) rocket because of BREXIT, the fall in the value of sterling and the resulting fall in Gilt yields. This increase has meant that the decision on whether to transfer out of a Final Salary Scheme has become much more finely balanced. The introduction of the Government’s Pensions Freedoms legislation on 6th April 2015 has changed the landscape completely. While the new legislation had no impact on Final Salary benefits, complete flexibility is now available with Personal Pension funds. Click here to read more...