Services

Specialist Oversight for the Advice Areas Regulators Scrutinise Most

Five focused services, all built on the same foundation: Level 6 pensions expertise, Ombudsman-tested judgement and a practical understanding of how advice firms and platforms actually operate.

Ongoing Charges & Servicing Audits

Ongoing adviser charging faces heightened supervisory scrutiny under PRIN 2A and fair value rules. We run systematic file-by-file reconciliations, matching recurring fee deductions against documented annual suitability reviews, and evaluate the total cost of advice to identify unserviced accounts and commercial exposure before a regulator or the Ombudsman does.

Typical deliverables

Client book reconciliation and exception report
Scoring rubric and sampling methodology
Total cost of advice analysis
Remediation and redress model
Board summary report

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Pension Switching & Transfer Suitability

Independent technical oversight across the retail pension spectrum, led by a CISI Level 6 pensions specialist. We assess DB transfers under COBS 19 and DBAAT, multi-scheme consolidations, SIPP non-standard asset due diligence, UFPLS and flexi-access drawdown, and we test the commercial justification for every switch.

Typical deliverables

File-by-file suitability assessments
Lost-guarantee and charges comparison testing
DBAAT-aligned DB transfer reviews
Adviser feedback and training notes
Thematic findings report

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File Review QA & Remediation

When regulatory scrutiny intensifies, high-level checklists and superficial sampling aren't enough. We deliver forensic past-business reviews, Section 166 support and complex AML/UBO audits, with calibrated methodologies that hold up under regulatory and Ombudsman challenge.

Typical deliverables

Review methodology and calibration pack
Forensic file determinations
Senior QA layer for in-house teams
Redress calculations
Root-cause MI and closure report

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Complaints, FOS & Redress

Complaints in wealth management and pensions are technical disputes, not customer service friction. We investigate them forensically, draft DISP-compliant final responses, build evidence-backed Ombudsman submissions and calculate redress precisely, so that defensible advice is defended and systemic failures are fixed.

Typical deliverables

Technical complaint investigations
DISP final response letters
FOS submissions and rebuttals
Loss and redress calculations
Complaints root-cause MI

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Consumer Duty & Outcome MI

FCA supervision now expects contemporaneous, auditable proof of good customer outcomes. We help advice firms, networks and wealth managers implement PRIN 2A in practice, replacing activity metrics with outcome MI and preparing defensible board reporting.

Typical deliverables

Consumer Duty health check and gap analysis
Outcome MI framework and dashboard design
End-to-end journey mapping
Annual board report support
Vulnerable customer file audits

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How engagements work

Engagement Models

Project-Based Reviews

Defined-scope engagements such as a cohort file review, a past-business review or a Consumer Duty gap analysis, with agreed methodology, timeline and deliverables.

Ongoing QA Support

Regular independent file testing and supervisory QA that adds senior capacity to your in-house compliance function.

Specialist Escalation

Rapid, senior input on a single complex matter, such as a contentious FOS referral, a DB transfer file or a redress calculation.

Not Sure Where to Start?

Tell us what's prompting the review (a supervisory letter, a complaints spike, an AR cohort or an upcoming board report) and we'll suggest a proportionate scope.

Discuss Your Review Requirements