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OK you might need to be very careful, assuming she was there for some time. See the Defined Benefit section here.
Howard-
Ta for link, she’ll need an IFA anyway as it’s over £30K but isn’t too bothered about taking a hit (within reason), it’s more to do with a hatred and distrust of Sir Phil after he decimated the BHS pensions.
I presume this stuff is bread and butter for IFA’s, if we just went with someone local (FSA accredited etc) it can’t go that wrong... can it?! She just wants security over max gains.
inchpincher
Ummm, defined benefit I would say because it was based on a final salary. She left in 2006 and kind of forgot about it.