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[Music] hi my name is dominic james murray and im ceo and independent financial advisor at cameron james ive been working in the uk pension transfer industry for 10 years now and welcome to the channel okay so today were going to be talking about how do you find the best pension transfer specialist so this is quite a complicated topic and what does it actually mean best final salary pension transfer specialist so a final salary pension transfer specialist is an individual who has an in-depth understanding and knowledge of final salary pensions now theres also the differentiation between final salary pensions and defined contribution pensions so with a defined contribution pension this is more of a simple uk pension scheme if the pension pot is for example worth 250 000 pounds it may go up or down in value with market performance however in a years time if the markets have gone up by 10 the pension pot will be worth 275 000 pounds if the markets have gone down slightly it will be