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.
No capThe FOS has jurisdiction over DB pension transfer suitability complaints against Lighthouse.
Up to £455,000The 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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