Cowley & Miller Independent Financial Services Limited

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Cowley & Miller, a financial advice firm registered in Glasgow, has restrictions that means it can no-longer transfer final salary pensions unless a regulated third party has previously reviewed the case.

Companies can apply to the Financial Conduct Authority for permission to give advice over Final Salary pensions, but if the FCA has concerns about the way the firm is conducting reviews, it can remove or suspend the authorisation.

In Jan 2019, Cowley & Miller Independent Financial Services Limited was named as one of the 13 firms that the FCA had restricted the advice of, and who had not yet regained it.

Timeline of events: Cowley & Miller

2011 - Company Forms

Cowley & Miller Independent Financial Services Ltd is created and registered as a company on the 14th January 2011, firstly in Edinburgh and later moving to Irvine in Ayrshire.

2018 - Ombudsman Complaint

In September, the Financial Ombudsman Service published a decision upheld against Cowley & Miller, in which they gave unsuitable SIPP advice to a client, having her invest in Carbon Credits which exposed her retirement fund to more risk than she could tolerate.

2015 - FOS Decision

In a 2015 decision by the Financial Ombudsman Service, a client of the firm had their complaint upheld over investment advice.

Did you know, less than 50% of transfer advice reviewed was declared suitable?

The FCA recently reviewed 154 pension transfers as part of an investigation into IFAs in 2018, and found less than 50% to have received suitable advice.


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