Business Details
22 Years
experience
Independent Financial Advice for Pensions & Investments
Established in 2004, we have built a reputation as independent financial advisers dedicated to helping individuals and families protect and grow their wealth. Our approach centres on creating long-term relationships through personalised service, ensuring clients receive tailored solutions aligned with their unique financial goals. Specialising in retirement planning, investment management, and pension advice, we provide expert guidance on safeguarded benefits, equity release, and inheritance tax planning. As members of Resolution and the Equity Release Council, we uphold rigorous professional standards while maintaining transparency in all client communications.Our team's expertise, including PODE accreditation for pension divorce matters, ensures clients receive comprehensive, compliant advice. We prioritise client education, offering regular portfolio updates and detailed financial reviews to foster informed decision-making. With no fees charged for equity release advice, our commitment to excellence is demonstrated through our proactive, client-centric service model.
Services
Pension Transfer Advice
Investment Management
Equity Release Solutions
Retirement Planning
Wealth Management
Inheritance Tax Planning
Pension Divorce Services
Lifetime Mortgages
SIPP Setup
Risk Profiling
Details
- Year established: 2004
Highlights and features
- We are FCA-regulated independent financial advisers
- We offer personalised financial planning solutions
- We hold specialist PODE accreditation for pension divorce cases
- We are Equity Release Council members with strict consumer protections
- We provide free equity release advice with no direct client fees
Associations and certifications
- FCA
- Resolution
- PODE
- Equity Release Council
Services
Pension Transfer Services
We specialise in pension transfers between different schemes, including safeguarded benefits advice. Our FCA-permitted services cover defined benefit scheme transfers, section 32 buy-outs, and bespoke SIPP arrangements. With specialist PODE accreditation for pension divorce matters, we provide comprehensive pension reviews and transfer solutions tailored to individual retirement goals while maintaining strict regulatory compliance.
Investment Management
Our investment services focus on creating tailored portfolios for retirement income through pensions and other investment vehicles. We conduct detailed risk profiling to match investment choices with client objectives, offering full management of investment portfolios including commercial property purchases through pension funds. Regular portfolio updates and financial reviews ensure clients maintain clear visibility over their investment progress and retirement planning.
Equity Release Advice
As Equity Release Council members, we provide independent advice on lifetime mortgages with full consumer protections. Our services include structured financial advice processes, independent legal advice requirements, and product safeguards like no negative equity guarantees. We receive procuration fees from lenders rather than charging clients directly, ensuring transparent cost structures with all fees disclosed prior to arrangement.
People
Pete Miller
Financial Adviser
FCA-regulated financial adviser with 17 years' experience specialising in retirement planning and pension transfers. Provides expert guidance on equity release, inheritance tax planning, and investment management while maintaining strict compliance with regulatory standards.
Questions
What pension transfer services do you offer?
We provide FCA-regulated pension transfer advice including defined benefit scheme transfers, section 32 buy-outs, and SIPP arrangements while maintaining full compliance with safeguarded benefits regulations.
Do you charge fees for equity release advice?
No direct fees are charged for equity release advice as we receive procuration fees from lenders, though third-party costs like legal fees and lender arrangement fees may apply.
Are you qualified to handle pension divorce cases?
Yes, we hold specialist PODE accreditation for pension on divorce matters and are members of Resolution, providing expert advice on pension splitting and transfers during divorce proceedings.
What investment management services are available?
We offer full portfolio management services tailored to risk profiles, including commercial property investments through pensions and regular financial reviews to track retirement income goals.
How are your financial advisers regulated?
We operate as an appointed representative of The On-Line Partnership Limited, which is authorised and regulated by the Financial Conduct Authority under reference FRN 192638.
Reviews (1)
Nigel Colgan
Jun 21, 2018
Report
So glad that I went to Peter Neal pensions as they saved me a significant amount by taking up their pensions advise and by guiding me to take up individual protection .Thank you!
