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Initial Disclosure

Best Pension Annuity is a trading style of Platinum Financial Consulting    
AUTHORISED & REGULATED BY THE FINANCIAL CONDUCT AUTHORITY    
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Your Pension Fund is a valuable asset that was intended to provide income in your retirement.  Please think carefully before making an irreversible decision
 
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Disclosure about us and the services we offer you


Our initial disclosure document conforms to a layout designed by The Financial Conduct Authority. It aims to ensure that all regulated companies give key information about their services and charges in a uniform format. To read our full initial disclosure document click here.

For those customer who need advice, such as those looking to transfer away from a Final Salary (Defined Benefit) pension scheme then we will have different disclosure documents and terms of business. These documents are sent to such prospective clients before any service or advice is given.

To give you an indication of our approach to conducting business, the statements below represent the approach taken with the majority of our customers.
Basis of Service

We assume that the customer has conducted their own initial research and feel that the policies offered by our website meet their needs.

For most customers, we do not make a personal recommendation and products are sold on a non-advised basis. The customer will decide if the policy is appropriate to their needs.

Some customers are now required by law to take advice before transferring their pension. We hold the requisite permissions from the Financial Conduct Authority to provide this advice service. To avoid any confusion on this website we do not include any advice whatsoever, however customers who instruct us to advise them will receive bespoke advice based on their personal needs and circumstances. We have an obligation to provide advice that is in the customer's best interests. Even if the obligation did not exist we would do this in any case !

How We Get Paid

The vast majority of our customers choose for us to be paid via a fee taken direct from their pension fund.

We are happy and willing to undertake work where the customer pays a fee direct to us. This must be agreed with the customer at outset.

Where advice is requested and it is not possible to take our fees from the pension fund, then the customer will pay us direct. In all instances our full fees will be disclosed and agreed with the customer before any service is provided.

From time to time we may run promotions whereby we offer a fee only service to customers.

Who Regulates Us
Best Pension Annuity is a trading name of Platinum Financial Consulting which is Authorised and Regulated by the Financial Conduct Authority (FCA). Our FCA Register Number is 227014.

Platinum Financial Consulting is permitted to arrange pensions, investments and insurance products.

You can check this on the FCA Register by visiting the FCA’s Website http://www.fca.org.uk/ or by contacting the FCA on 0800 111 6768.

What to do if you have a complaint
If you wish to register a complaint, please contact us:

          ….in writing       Write to : The Compliance Officer,
                                                Platinum  Financial Consulting,
                                                The Old School House ,
                                                East End Road, Bradwell-on-Sea
                                                Essex, CM0 7PY

          ….by phone        Telephone 020 33 55 4827.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Customers using a non-advised service will not have access to FSCS if at some point in the future they believe they have purchased the wrong product, however they will still be protected by the FSCS if their product provider is unable to meet their financial obligations.

Annuity and income drawdown arranging is covered for 90% of the claim, without any upper limit.

Further information about compensation scheme arrangements is available from the FSCS.

 
 
Please Note : The new Pension Freedoms place a great deal of responsibility on the customer to make the right long term decision about their pension fund and how it is used. While Government Ministers say they "trust" people to make the right decisions, they will not have to deal with the financial consequences of a customer making the wrong decision. Your pension fund was intended to provide you with a long term income in retirement, if you take it all as one lump sum you may find yourself with little or no income during the later years of your life. This website does not give personal financial advice, you should think very carefully before making an irreversible decision. If you are in any doubt please request our independent financial advice service or speak to the Govenment's free guidance service Pension Wise.
 
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  This website is for information purposes only.
This website DOES NOT contain personal advice based on your circumstances.
 
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Best Income Protection is a trading style of
Platinum Financial Consulting
The Old School House, East End Road
Bradwell-on-Sea, Essex, CM0 7PY
 
 

 

Telephone : 020 33 55 4827            Fax : 0871 277 1422            Email : info@platinumifa.co.uk

AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY

Copyright © 2015 & 2017 Platinum Financial Consulting

FCA Registration Number : 227014

 
 

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