Yes, although unless your circumstances are exceptional it is unlikely that our advice will change. You should be aware that our initial advice fee will be payable even if we do not recommend a transfer.

No. The FCA (our regulator) state that the ceding scheme declaration can only be signed once you have received Full Advice.

Yes, but not through SRC. We can however sign the ceding scheme documentation to confirm that you have received regulated financial advice. You will need to make alternative arrangements to transfer your DB scheme. Remember our Full Advice fee is still payable.

Ordinarily we would expect to complete Abridged Advice with two weeks and Full Advice within four weeks. Timescales are however dependent on the complexity of your situation and how quickly we can obtain information from third parties. We will provide you with an estimated timescale before starting work.

Unless your circumstances are exceptional, we will not be able to advise you if you do not meet our criteria. Please call us to discuss your situation further.

All clients must complete our public education course. We will assess your situation during the initial consultation and recommend how you should proceed.

No. Although we would strongly recommend you receive ongoing advice, it is not mandatory. You should understand however that we cannot be held responsible for the consequences of any future investment decisions you take. You will need to sign a declaration to this effect.

Transferring benefits from a final salary scheme is normally an irreversible procedure. We will take time to ensure that you fully understand the implications of transferring and will detail this in your report. If we consider that a transfer may be unsuitable for any reason, we will not recommend that you proceed.