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Its members should take full responsibility for delivering against the agreed-upon strategy, and should have full authority to implement the identified value-creation levers. During the s when most pensions offering a GAR were sold, annuity rates were higher than today. There are some people for whom a final salary pension transfer might be appropriate. The reason why advice is required is to ensure that you are not giving up valuable guaranteed pension benefits and that the transfer is in your best interests.
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