Our Advisory Services
Pension Transfer Experts Ltd is backed by a multi-million-pound, family owned, international financial advisory business, employing over 400 staff.
Your Contract with Holborn Assets Ltd
When you as a client sign our Client Agreement, you are entering into a contract with Holborn Assets Ltd in which it is intended that we carry out all of the following activities, irrespective of the final outcome of the advice or whether any transactions are actually carried out by us on your behalf:
- Gather information about the you e.g. fact-find, risk profile, goals call.
- Carry out research to find suitable investment options.
- Provide you with reports, financial health-checks and forecasts.
- Recommend specific investment products to you, including an indication of the prices at which these can be arranged.
- With your agreement, contact the product providers on your behalf and act between the provider and you, with a view to arranging the sale of the Retail Investment Products
- Where you, the customer, agree to an ongoing review service, monitor your ongoing position on a periodic basis to ensure that the products continue to meet your requirements.
Full Defined Benefit Transfer Advice
We will advise you on whether you should keep your DB scheme or transfer out to a new pension that we will recommend for you. We will liaise with your new and old schemes to make all the necessary arrangements.
This recommendation may be to transfer all or part of your pensions or it maybe not to transfer.
If we have advised you to transfer or not, we will, if requested and after the payment of our fee, provide you with written confirmation that you have received independent financial advice. (A requirement to transfer safeguarded pension benefits under section 48 of the Pension Schemes Act 2015).
Under FCA rules, the Confirmation of Advice may only be provided following provision of Full Defined Benefit Transfer Advice.
We only offer Full Advice where the CETVs have at least 6 weeks before expiry (from the date we have received our fee).
Abridged Defined Benefit Transfer Advice
We will advise you on whether you should keep your DB scheme but without considering a new scheme. If you want to continue to look at a new scheme you will need to take full advice.
FCA rules do not permit the issue of the confirmation of advice if you have only been issued with Abridged Advice.
We only offer Abridged Advice where the CETVs have at least 8 weeks before expiry (from the date we have received the fee).
If we recommend a transfer and you wish to proceed with our provider recommendations, we will assist you with the completion of all application documentation submit these to the relevant providers and liaise with them on your behalf.
Holborn Assets Ltd do not offer an Insistent Client Service. We will only assist with the implementation of a pension transfer where we have advised in favour of the exact transaction (the recommended receiving pension and all underlying investments). Under no circumstances will we facilitate the implementation of a pension transfer where we have advised against it.
Pension Transfer Experts is a trading style of Holborn Assets Ltd which is authorised and regulated by the Financial Conduct Authority. Holborn Assets Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under firm reference 648817. Holborn Assets Ltd is registered in England and Wales No. 09046342. Registered address: Suite 5, Chester House 79 Dane Road, Sale Cheshire M33 7BP.
This website and the information contained within it is directed at individuals resident in the UK.
Suite 5, Chester House, 79 Dane Road, Cheshire, M33 7BP
0161 969 2646
If you wish to register a complaint, please write to [email protected] or telephone 0161 969 2646.
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567.