About Us
PX Pension Exchange provides pension transfer advice, specialising in all types of UK pension schemes (including final salary). We advise people on the options they have to optimise their pension set up, considering their stage of life, future aims and objectives.

Since commencing business in 2002, we have worked with many hundreds of clients to improve their overall set up and live a better retirement. We have also worked with over a hundred different UK pension schemes over this time.

Where a more appropriate pension solution exists (compared to simply receiving a pension from your existing final salary scheme), we will let you know and then, if a transfer of your pension makes financial sense, we will help you exchange your existing pension arrangement for the more appropriate alternative.

Our advisers are qualified to advise on pension transfers and as a company we hold the full permissions required to provide advice on all pension types (including transfers and opt outs).

In undertaking our work, we adopt a four stage CARE approach:

Consider - We carefully consider your overall financial situation, aims and objectives.

Analyse - We analyse your existing pension to ascertain whether it is the most optimal set up for you.

Research - We research the alternatives to determine if a more beneficial solution exists and advise you of our findings and recommend the most appropriate course of action. This includes a full market review across multiple pension types to determine the best solution.

Exchange - Where a more appropriate solution exists, with your authority we work with you to exchange your pension from the old set up to the new, and then provide ongoing assistance where required.

PX Pension Exchange (a trading style of Xpat Limited) is regulated by the UK Financial Conduct Authority.

We look forward to the opportunity to assist you further.


Final Salary Pensions are suitable for the vast majority of members. Transferring from a final salary pension scheme is an irreversible decision and it could have a detrimental effect on your retirement planning. This website is for information purposes only and is not to be taken as a personal recommendation. Before taking any action, you should take financial advice from a suitably qualified independent financial adviser. Any potential advantages of transferring from a defined benefit scheme to a defined contribution scheme are often outweighed by the costs, risks and loss of benefits involved.
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