My wife has been informed that her final salary pension scheme is being
wound up, and that the replacement will be the setup whereby it becomes
a personal pension and the company contributes as well as the employee.

Can they change the pension scheme in this way without authority? She
can't remember if she signed anything to say this was okay, but even if
she did, she certainly didn't receive any advice about whether or not it
was wise or advisable so to sign.

It has been suggested that the services of a financial advisor be
employed, bit I'm concerned that the cost of this could well meet or
even exceed the value of the fund in question, so perhaps not the best idea.

What is the legal situation on this matter?

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