Prudential Staff Pension Scheme GMP equalisation
Understand Your Pension Top-Up Options with Confidence
An ilumiti adviser can guide you through what the Prudential Staff Pension Scheme GMP equalisation letter means for you — and how to make the most of your top-up payment.
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What is this about?
If you’ve received a letter from your pension provider about GMP equalisation, it means you are entitled to a pension top-up payment.
Because of the size of this payment, you are required to transfer it into another pension, rather than receiving it directly. This can feel confusing — but that’s where we help.
What we offer
At ilumiti, we provide clear, regulated advice to help you:
Decide where to invest the top up and how to access it
Complete the required paperwork
Make an informed decision that ensures your pension is working in your best interests
Fees/Cost
Our advice service costs
£995 + VAT
This fee is deducted from your pension top-up payment, so you don’t pay out of pocket.
About ilumiti
We’re ilumiti: refreshingly friendly and caring money experts who specialise in pensions, employee benefits, and financial planning.
We believe in financial clarity — helping you clearly understand what’s achievable, and then guiding you through the process with confidence. Our team is FCA-authorised, highly experienced, and consistently rated “Excellent” by clients on Trustpilot.
Fully authorised and regulated by the Financial Conduct Authority
We take time to listen — your personal situation matters, not just generic scenarios
Transparent fees and process — no hidden charges, no surprises
Request Help.
If you would like to speak to ilumiti regarding your options, simply fill in the form to start the process.
By entering your details here, you are registering your intent to receive advice and as such, ilumiti will be in contact with follow up forms.
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.
A pension is a long-term investment not normally accessible until age 55 (57 from April 2028 unless the plan has a protected pension age). The value of your investments (and any income from them) can down as well as up which would have an impact on the level of pension benefits available. Your pension income could also be affected by the interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation which are subject to change. You should seek advice to understand your options at retirement.
Get in touch if you have any questions.
Call us on 0800 619 1019
Drop us an email at psps@ilumiti.co.uk
Monday-Friday 9:00am-5pm