Get Independent Pension Transfer Advice from a Local Expert
We’re a family-owned group of Independent Financial Advisers helping people across Cheshire and Merseyside make informed decisions about transferring their defined contribution pensions – without sales pressure.
We do not provide advice on defined benefit or final salary pension transfers.
Transferring your pension isn’t right for everyone - you could lose valuable benefits or face extra costs. We’ll help you weigh up the pros and cons so you can make the choice that’s right for you.
Thinking About Transferring Your Pension? You're Not Alone.
Many of the people we help are asking:
We’ll help you compare the costs, features, and investment options of your current plan with alternatives.
We’ll review your plan’s charges and show you whether a move could reduce costs without sacrificing benefits.
We’ll assess whether transferring could give you greater flexibility or access to funds that better match your goals.
We’ll explain the possible downsides so you can make an informed decision.
More investment choice can also mean more risk, and investments can go down as well as up. When transferring pensions, we’ll explain the possible downsides - such as losing valuable guarantees, paying exit fees, or facing different tax treatment - so you can make an informed decision.
We’ve helped hundreds of people review their pensions, assess whether a transfer could be in their best interest based on their personal circumstances, and where appropriate, guide them through the process step-by-step.
Get in touch using the contact form below
Why People Choose Us for Pension Transfer Advice
We’re not a corporate advice chain looking to grow fast and sell out.
We’re a family-owned firm that’s been serving local people and businesses with a history tracing back to 1978 - and we intend to keep it that way.
At BlackBear, you’re not just another “client number.” You’ll get impartial advice from someone who knows your history and your goals – and who is focused on your best interests. Meet our team here.
That’s how we’ve worked for decades - and how our team will keep working for decades to come.
Andy Anderson Dip PFS
Director & Independent Financial Adviser
Proudly Award Winning
We’re an independent, directly authorised firm helping clients across Cheshire, Wirral, and Merseyside make confident financial decisions.
In 2025, we were named by FT Adviser among the UK’s Top 50 Boutique Advice Firms - proof that you don’t need a big national brand to get first-class advice.
Talk to a local adviser who knows your name - not just your account number.
What do our clients say?
BlackBear Financial Group is authorised and regulated by the Financial Conduct Authority, and our family has been helping people locally for over 45 years.
We’re proud to be rated 5 stars on Google - but what matters most to us is the story behind each and every person who has placed their trust in us.
With over a century of combined experience in our team, and some clients working with the same adviser for over 30 years, our team has built lasting relationships that go beyond just financial advice.
Tim's Transfer Story
"Chris provided very thorough advice. He clearly explained the benefits, costs, and risks of the options available to us. There was no high pressure "sell" and ultimately we agreed to transfer some pensions that appeared to be underperforming and left others where they were that had performed well."
We’ve helped hundreds of people feel more confident about their retirement. Click here to see how we've helped others retire with confidence.
This testimonial is based on one client’s personal experience and may not be representative of other clients. Outcomes will vary according to individual circumstances.
Important Note
Investments and pensions can go down as well as up, and you may get back less than you invest. Transferring a pension is not suitable for everyone - you could lose valuable benefits and may have to pay exit charges. This content is for general information only and does not constitute personal financial advice.
Pension Transfer Advice in Cheshire, Wirral, Merseyside - and Beyond
Whether you’re looking to consolidate old pensions, explore lower-cost providers, or access different investment options, our team is here to help you make an informed choice.
If you'd like to learn more, or you want to book a no-fee no-obligation initial meeting with one of our Independent Financial Advisers, get in touch by clicking the button below.
Our family has been proudly serving Cheshire, Wirral & Merseyside for over 45 years.