COVID-19 Notice: Thomas Carroll remain committed to putting our clients at the forefront of what we do. In light of Caerphilly county being placed under local lockdown from 6:00pm on 8th September 2020, we wanted to remind you that we are fully operational whilst working from home, so that we can continue to provide the same quality service that you normally enjoy from our team. To find a contact number for a member of our team, please click here.

Visit our COVID-19 risk management updates and advice hub here. If you’re in business, we have produced a number of guides, checklists and templates to help with your return to work preparations and ensuring your workplace is safe for your employees in these challenging times.


If your circumstances change and you leave your employer, the pension benefits you have built up still belong to you.

Most schemes will allow you to transfer your pension pot to another pension scheme, which could be a new employer’s workplace pension scheme, a personal pension scheme, a self-invested personal pension (SIPP) or a stakeholder pension (SHP) scheme.

You don’t have to decide straight away, you can generally transfer at any time up to a year before the date that you are expected to start drawing retirement benefits. It is important to fully understand your options and the value of any guaranteed benefits that you may be giving up.

If you wish to transfer your pension benefits to an overseas pension scheme, the new scheme must be a qualifying recognised overseas pension scheme. If so, the transfer may proceed in much the same way as a UK transfer, although if the transfer includes contracted-out benefits, it may be more complicated.

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