Lighthouse Financial Advice is a national UK adviser network. If you were advised by a Lighthouse Financial adviser to transfer a DB pension, FOS routes are available.
Start your free assessment →Lighthouse Financial Advice Limited is a national network of FCA-authorised financial advisers operating across the UK. During the peak DB transfer period 2015–2022, Lighthouse advisers gave a significant volume of defined benefit pension transfer recommendations.
FOS complaints against Lighthouse focus on the suitability of DB transfer advice, critical yield analysis quality, assessment of capacity for loss, and whether transfer out of guaranteed DB benefits was genuinely in each client's best interests. Lighthouse, as the authorising firm, bears regulatory responsibility for advice given by advisers under its network.
A formal DISP complaint to Lighthouse Financial Advice Limited is the required first step.
The FOS has jurisdiction over DB pension transfer suitability complaints against Lighthouse.
The six-year FOS clock on DB transfer advice runs from the date the advice was given. For advice given before 2019, the absolute clock may have expired — the three-year awareness clock and FSCS route may apply depending on your circumstances. See redressadvisory.com/time-limits for the full limitation framework.
Yes. Regulatory responsibility rests with Lighthouse as the authorising firm, not with the individual adviser. Even if your adviser has moved on, your complaint goes against Lighthouse.
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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.