If You Are Concerned About Your Pension Advice
Take structured, calm steps.
Step 1 — Request Your Full File
You are entitled to request:
- Fact Find documentation
- Risk profile questionnaire
- Statement of Suitability
- Reasons Why Letter
- Terms of Business
- Information Memorandum
- Fee disclosure documents
- Commission disclosure records
- Timeline of communications
- Meeting notes or call recordings
A structured investigation always begins with documentation .
Step 2 — Review Suitability
Ask yourself:
- Was my risk appetite clearly recorded?
- Did the recommendation align with that risk profile?
- Was my age and retirement horizon properly considered?
- Was too much of my pension placed in one product?
- Did I understand liquidity restrictions?
Step 3 — Examine Fee Transparency
- Were commissions disclosed clearly?
- Did I sign acknowledgment of commission structures?
- Were ongoing trail commissions explained?
- Was I told how the broker was remunerated?
Conflicts must be transparent.
Step 4 — Ask Structured Questions
We provide a dedicated checklist to help you ask precise questions (see next page).
Step 5 — Raise a Formal Complaint (If Necessary)
A complaint should:
- Identify the suitability concerns
- Refer to documentation gaps
- Request a clear explanation of risk assessment
- Request commission disclosure confirmation
- Seek a structured written response
We provide a template framework to assist you.
The goal is not confrontation — it is clarity.