Historic (2012–2020)

Were you advised by Guardian Wealth Management on a UK pension transfer?

Guardian Wealth advised UK expats in the UAE and Europe during 2012–2020. Route 4 civil litigation remains available for many cases — with careful limitation assessment.

Check Whether You Have a Claim Time Limits Guide
£30,000 Claim band from
8/10 Opportunity score
International / Expat Segment
Route 4 Primary route
Firm Assessment

● Historic 2012–2020 | UAE & Europe | Evidence Gathering Critical

What happened

Guardian Wealth Management operated in the UAE and European expat markets between approximately 2012 and 2020, advising UK nationals on pension transfers into SIPPs and QROPS structures.

Route 4 civil litigation is the primary route, with Route 2 FOS assessed in parallel. The historic nature of the operations means evidence gathering requires particular care.

Who this affects

UK nationals who were Guardian Wealth clients in the UAE or Europe between approximately 2012 and 2020 and were advised on UK pension transfers.

Claim Routes

Which Routes Apply to This Firm

Based on this firm's current regulatory status, the following routes are available. Primary route is listed first.

Route 4

Civil Litigation (Uncapped)

Uncapped civil court recovery where the SIPP operator, pension trustee, or other party bears legal responsibility. Pursued through our SRA-regulated solicitor partner panel. Fully uncapped under SRA Claims Management Fees Rules 2024 (Rule 2.6).

No cap. Civil courts can award the full value of your demonstrable financial loss. Legal basis: Berkeley Burke v FOS [2018], Adams v Carey Pensions (FSMA s.27), Fletcher v Options UK [2024] EWCA Civ 541.
Route 2

Financial Ombudsman Service (FOS)

Independent government-backed adjudication after the firm rejects or fails to respond within 8 weeks. Also available directly where FOS has established jurisdiction over an overseas-linked case.

FOS awards up to £455,000 (advice from 1 April 2019) or £200,000 (advice before 1 April 2019). Both limits rise annually with inflation.
Questions & Answers

Frequently Asked Questions

The advice was a long time ago. Is it too late?
Not necessarily. If you became aware of a potential problem within the last three years, your claim may still be within time.
Guardian Wealth no longer operates. How do I pursue a claim?
Civil litigation can be brought in appropriate circumstances. We identify the responsible entity structure as part of case review.
Urgent — Act Promptly

Time Limits on Your Claim

Pension mis-selling claims are subject to strict DISP and Limitation Act time limits. Missing a deadline can permanently bar your right to compensation.

⚠ Do Not Delay

For advice given before 2020, limitation assessment is critical. If you only recently became aware of a potential problem, the 3-year awareness clock may still provide a window. View our time limits guide.

View the full time limits guide →

Start Your Free Claim Assessment

Our SRA-regulated solicitor partners assess every case individually — free of charge, with no obligation to proceed.

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Also Reviewing

Other Firms Under Assessment

Redress Advisory is reviewing pension transfer advice from a range of firms. If your adviser is listed below, a dedicated claim page is available.

Named firms with dedicated pages
Pembrokeshire Mortgage CentreActive Wealth (UK) LtdVintage Investment ServicesCeltic Wealth ManagementTenet GroupLighthouse Financial AdviceSt James's PlaceHolistic Pension Transfer SpecialistsWellington Court Financial ServicesGuinness Mahon Trust CorpPurely Pensions / Purely FinancialBrite Advisory GroupdeVere GroupAES InternationalChase BuchananFiduciary Wealth ManagementHolborn Assets

Important Notice

Redress Advisory Ltd (Company No. 17295681) is a technology platform that provides case assessment and referral services. Redress Advisory is not a claims management company and is not regulated by the Financial Conduct Authority as such. All regulated claims management activity and legal work is carried out exclusively by our Operating SRA Partner (OSP) solicitor firms, each of which is independently authorised and regulated by the Solicitors Regulation Authority.

You do not need to use Redress Advisory or a solicitor to pursue a pension mis-selling complaint. You can complain directly to the financial firm, escalate to the Financial Ombudsman Service (FOS), or apply to the Financial Services Compensation Scheme (FSCS) yourself, free of charge. If you instruct a solicitor through our OSP partner panel, their fees will reduce any compensation you receive.

The information on this page is for general informational and educational purposes only. It does not constitute legal, financial, or regulated advice of any kind. Individual outcomes depend on the specific facts of each case.

FOS: 0800 023 4567  |  FSCS: 0800 678 1100  |  FCA Register: register.fca.org.uk