Guardian Wealth Management is an active international financial advisory firm operating across the UAE and other expat markets. If you were advised by Guardian Wealth to transfer a UK pension, FOS complaint routes and civil proceedings may be available.
Start your free assessment →Guardian Wealth Management is an international financial advisory firm that has arranged UK pension transfers for British expatriates across the UAE and other international markets. The firm advises clients on pension planning, investment management, and international financial structuring.
Complaints against Guardian Wealth Management focus on the suitability of advice to transfer UK defined benefit pension rights into SIPP or QROPS arrangements, and on the appropriateness of the offshore investment structures recommended within those arrangements. Where the advice involved overseas entities not FCA-authorised at the time of transfer, FSMA s.27 may provide additional civil court remedies.
A formal DISP complaint to Guardian Wealth Management is the first step. Guardian must respond within 8 weeks. FOS escalation follows if the response is unsatisfactory.
The FOS has jurisdiction over complaints relating to Guardian Wealth Management's UK pension transfer advice activities.
Where the overseas advisory entity was not FCA-authorised at time of transfer, FSMA s.27 may provide a civil court remedy for the full uncapped transfer value.
Uncapped — s.27 FSMAThe FOS six-year absolute clock runs from the date the advice was given. For Guardian Wealth clients advised between 2015 and 2019, this clock is running. Act immediately to preserve your FOS complaint rights. See redressadvisory.com/time-limits for the full limitation framework.
Typically yes, where the advice involved a UK pension and a UK-regulated SIPP. Fletcher [2024] confirmed FOS jurisdiction applies to overseas advice where the transfer involved a UK-regulated pension product.
Yes. FOS jurisdiction and FSMA remedies apply to UK pension transfers regardless of where you currently live. You can make a FOS complaint from any country.
No obligation · No upfront cost · We will never cold-call you
You can complain directly to the firm, refer to the Financial Ombudsman Service or apply to the FSCS — all completely free. If you use the free routes, you keep 100% of any compensation.
| Redress received | Max % | Max fee |
|---|---|---|
| Up to £1,499 | 30% | £420 |
| £1,500–£9,999 | 28% | £2,500 |
| £10,000–£24,999 | 25% | £5,000 |
| £25,000–£49,999 | 20% | £7,500 |
| £50,000 and above | 15% | £10,000 |
Compensation is paid directly to you. We invoice after you receive your compensation. You pay nothing if unsuccessful. Source: FCA PS21/18 (Chapter 2, Table 1) & CMCOB 5.2. Excl. VAT.
Compensation is paid directly to you. We invoice after you receive your compensation. You pay nothing if unsuccessful. Source: FCA PS21/18 (Chapter 2, Table 1) and CMCOB 5.2. Excl. VAT.
Cancel any agreement with us within 14 days of signing, without charge or obligation. No questions asked.
Contact complaints@redressadvisory.com. If unresolved, refer to the Financial Ombudsman Service free of charge within 6 months of our final response.