Our UK Office

Richard Curran (DipPFS) and his team are based in our regulated office in United Kingdom. Richard Curran is a pension transfer specialist, with over 20 years experience in financial services. He has obtained Advanced Financial Planning Certificates in G10 (Taxation & Trusts), G20 (Personal Investment), H15 (Supervision and Sales Management) and G60 (Pensions). He keeps abreast of pension developments in UK and New Zealand and obtained a pass in CF9 (Pension Simplification). He has recently obtained the Statement of Professional Standing from the Chartered Insurance Institute (CII), which will be required by all advisers in UK with effect from 01/01/2013.

Richard and his team will gather details about you and your pension scheme. This will allow Pension Transfers to provide you with a report that gives a recommendation and will allow you to make an informed decision on what to do with your UK pensions. Pension Transfers recognise that the correct advice is more critical now than ever before, so please make sure you obtain your FREE no-obligation report.

Pension Transfers in the UK is a trading style of Integral Financial Advice Ltd, which is authorised and regulated by the Financial Conduct Authority under reference 505743. The UK office are focused on dealing with your UK pensions, providing you with effective advice and are not tied to any company and do not have their own products to sell. As a result, they are free to choose any pension product from any company on the market and offer pension advice that is tailor-made to suit your individual circumstances.

Our NZ Office

Pension Transfers Limited have specialised in transferring UK pension benefits to New Zealand since 2000. With regulated offices in both the UK and NZ, Pension Transfers ensure that you receive the best advice & service in both countries.

Financial services is now regulated in New Zealand with the introduction of the Financial Advisers Act 2008 (FAA) and Tom Gilbert is an Authorised Financial Adviser (AFA) under the act with Financial Services Provider No: FSP92321 which authorises him to give financial advice. Tom has over 15 years experience in the finance industry, he is a member of the Professional Advisors Association and regularly receives industry awards for quality performance and service. Tom has won AXA's Grand Champion Adviser for 2006 and 2007, Top Superannuation Writer for 2008, Top Wealth Management Writer for 2008 & 2009, Outstanding Producer Adviser for 2011, was a 2013 PAA Finalist KiwiSaver/Investment Adviser of the Year and qualified for 2013 and 2014 GMC with Fidelity.

Pension Transfers Limited is a stand-alone specialist pension transfer company and is not an agent of any insurance company. Our Pension Transfer services are used by a number of other financial services organisations to complete transfers on behalf of their clients.

Pension Transfers Limited is a 'Certified Quality Advice Practice'. To acheive this accreditation, which is reviewed annually, they underwent a rigorous review of their advice and business processes. This provides clients with a further assurance that they are dealing with a reputable company.

Pension Transfers Limited uses a Qualifying Recognised Overseas Pension Scheme (QROPS) approved for New Zealand by Her Majesty's Revenue & Customs, to complete pension transfers from the United Kingdom. There are no tax deductions upon exit from UK registered pension schemes for onward transfers to New Zealand. This is one of the main reasons clients transfer pensions to New Zealand.

Pension Transfers Limited is also a member of Global Footprints www.globalfootprints.co.uk a company that helps British people immigrate to New Zealand.

For a free pension transfer assessment please click on our "Get Started" button or call us on 0800 UK 11 NZ or 0800 85 11 69.

Our Australian Office

Pension Transfers specialise in transferring UK pension benefits to Australia .With regulated offices in both UK and Australia, Pension Transfers ensure that you receive the best advice & Service in both countries.

Brits to Aus Pty Ltd ACN 153 170 908 is a wholly owned subsidiary of Pension Transfers Limited 1038122 (NZ) who work in conjunction with RALF Financial Services Pty Ltd ABN 61 134 386 324, a successful long-standing financial planning company based in Sydney, New South Wales. We work in conjunction with Pension Transfers UK to ensure that you receive the best advice and service in both countries.

RALF Financial Services Pty Ltd is a Corporate Authorised Representative of AIW Dealer Services Pty Ltd ABN 59 153 322 43. AIW Dealer Services provides us with legislative updates, training and ongoing support. The products we recommend are selected from AIW Dealer Services Approved Product List, which is thoroughly and continuously researched to ensure the companies have a comprehensive investment process and solid financial backing to minimise business and financial risk associated with investment. AIW Dealer Services also conducts a comprehensive annual audit of our client files to ensure that we are providing complete and accurate advice to our clients. Most clients view this as a guarantee of assurance.

RALF Financial Services Pty Ltd is a provider of financial advice and is not tied to recommending products from only one company. They are an independent financial advice company in Australia which put their client's needs first and foremost.

Andrew Foo, Director of RALF Financial Services Pty Ltd is an Authorised Representative of AIW Dealer Services. Andrew has been in financial services since 2005 holding numerous managerial roles within Macquarie Bank. His specialty is with full financial plan construction incorporating advice on wealth accumulation, superannuation, including overseas pension transfers, personal and business insurance and retirement planning. Andrew is an authorised representative of AIW Dealer Services granted through the Australian Security and Investment Committee. Andrew has a philosophy that building wealth, and protecting it, is paramount for financial peace of mind. To view Andrew's Financial Services Guide, please click here

RALF Financial Services Pty Ltd uses only Qualifying Recognised Overseas Pension Schemes (QROPS) approved for Australia by Her Majesty's Revenue & Customs, to complete pension transfers from the United Kingdom. Tax is not deducted upon exit from UK registered pension schemes for onward transfers to Australia, and no tax is payable on entry to the Australian QROPS fund, provided the transfer is completed within the appropriate timeframe.

For a free pension transfer assessment please click on our Get Started button or call us on 0435 617 797.

RALF Financial Services Pty Ltd ABN 61 134 386 324 is an Authorised Representative of AIW Dealer Services Pty Ltd ABN 59 153 322 420. AFS License No. 414256

Pension Transfers is a trading style of Integral Financial Advice Limited which is authorised and regulated by the Financial Conduct Authority under reference 505743.  Integral Financial Advice Limited is registered in England & Wales 6294980.  Registered Office is Brooks House, 1 Albion Place, Maidstone, Kent ME14 5DY

UK Office Terms of Business	UK Office Key Facts