Who Are We?
We are Pension Calculator Limited (“PCL”). We are an appointed representative of N J Associates Financial Services Limited, who are authorised and regulated by the Financial Conduct Authority. Details can be found on the Financial Services Register under FCA Registration Number 711232 (for N J Associates Financial Services Limited), and 622510 (for PCL).
PCL is not an Independent Financial Advisor. Our service is providing fully regulated advice concerning the suitability of your existing retirement arrangements to meet your objectives first and foremost. If keeping your arrangements as they are will achieve your objectives then we will tell you. However, we will also compare your arrangement to the Novia Self Invested Personal Pension (“SIPP”) from Novia Financial plc. By only using one, potentially cheaper SIPP comparison, we are offering a restricted service, not an independent service. We explain all these terms in more detail when we provide advice and recommendations.
We founded our company in the belief that we can enhance most of our clients’ retirement funds with a dedicated review, dedicated comparison scheme with specially negotiated discounted rates, sensible and active fund investment strategy. But, here’s our promise; if your circumstances are such that we do not believe that we can provide you with appropriate advice, we will offer you the opportunity to have a full independent advisory review by our principal firm, N J Associates Financial Services Limited.
The initial review is entirely at our expense. If we recommend a switch of pension scheme providers, having provided you with advice analysing your existing arrangements compared to the alternative investment proposition, we will include a recommendation to arrange the investment. If you are happy with our advice and proposed charges we would be delighted to be your chosen retirement financial advisor.