Can''t say that what I did will suit everyone and you have to use an IFA if you''re choosing to transfer out of a salary related defined benefit pension rather than having to.
I felt pressured to make a decision/name a destination so the pension scheme could get on with implementing the pension share - so I put my new pension in an ultra cautious stakeholder pension with minimal charges - that meant it was safely under my control with no exit charges - the pressure was off and I could take my time over choosing its final destination.
I admire the fact that Maggie you were able to negotiate the pitfalls in the way you did.
In some instances the trustees or insurance company involved will insist that financial advice is taken before sanctioning the transfer (and this is not just for final salary external transfers - I have been involved in several ones involving stakeholders, personal pensions, etc.
I am obviously an advocate of taking advice (I have a vested interest) but I am also confident that the clients I work with get the right value for the fees I charge.