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.

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.

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.

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.