There are few issues as contentious in the world personal finance right now than defined benefit pension transfers. The question of whether or not to transfer a cash equivalent transfer value from a final salary pension to a private arrangement has taken up pages of commentary in our trade press and been subject to much debate. The recent ‘perfect storm’ of low gilt yields and introduction of so-called pension freedoms has brought decisions to transfer into sharp focus. With such large sums of money at stake, and irreversible decisions being made, it’s essential to get this right.