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Home / Mis-Sold Pensions / Final Salary Pension Transfer Claims / Final Salary Pension Adviser Claims / Gerard Associates Limited & Mis-Sold Pensions

Gerard Associates Limited & Pension Claims

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Gerard Associates Limited, based in Bristol, have been taken to task by the Financial Ombudsman Service 4 times over their advice and conduct, relating to pensions.

Now, Gerard Associates Limited has been told to “cease regulated activities for Pension Transfers” by the watchdogs at the FCA, at least until there has been independent verification that Gerard Associates meet the Threshold Conditions for Business.

Pension mis-selling cases have been on the rise over the past decade, with many advisers earning money by transferring valuable final salary pensions when it wasn’t in the client’s best interest to do so, and in other cases transferring and investing those pensions into high-risk situations such as SIPPs, SSASs and QROPS with high-risk investments.

In FOS case DRN8472650, the adjudicator said that “In my view the business process set up by Gerard Associates has all the hallmarks of being designed to avoid having to comply with the regulator’s rules.

Timeline of events: Gerard Associates Limited

2006 - Company Formed

Gerard Associates Limited is formed as a company in Bristol on the 12 July 2006.

2016 - TPR & London Quantum Retirement Benefit Scheme

In July 2016, it was announced that The Pensions Regulator had appointed Dalriada Trustees to administer London Quantum Retirement Benefit Scheme, after claims that it put almost £6million worth of pension savings at risk through “risky and illiquid investments”. Gerard Associates Limited was mentioned as being involved in the investment choices, and that it was paid £220,000 in fees.

April 2018

The Financial Ombudsman Services (FOS) publishes an upheld complaint against Gerard Associates Limited, involving the transfer of a Friends Life pension fund into the London Quantum Retirement Benefit Scheme, which was declared unsuitable as Mr C (the complainant) was a Retail Investor. This is detailed in FOS decision DRN7505988

June 2018

A second FOS decision held Gerard Associates Limited accountable for their role in delays in a Mrs H receiving her 25% tax free cash sum from her pension. The case involved the transfer of her pension after a cold-call from First Review Pension Services, and subsequent investments in The Resort Group, a Managed Fund Element, Core Satellite Fund and Quantum Managed F Fund.
The decision is detailed in DRN8472650

Sept 2018

2 further FOS complaints were upheld against the firm. DRN9291941 involved the transfer of a defined benefits pensions into a QROPs scheme. Decision DRN2070364 involved the London Quantum Retirement Benefits Scheme.

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How are high-risk investment mis-sold?

Pension and investment advice is mainly all about risk and suitability.


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