About Phil

Phillip Handley, Chartered Financial Adviser (LIBF), Adv DipFA

I have worked in financial advice for 24 years. For many years I advised people on transferring out of defined benefit and final salary pensions, so I know how the process works, what the regulator expects, and what people often wish they had known at the start.

Today I don't give defined benefit pension transfer advice. Instead, I offer a free, no-obligation chat that explains, in general terms, how defined benefit pensions, transfer values and the advice process work. I won't tell you whether a transfer is right for you. That's a decision for you, and for a regulated adviser if you choose to take advice.

If you'd like regulated advice and your transfer value is £50,000 or more, I can introduce you to an FCA-authorised firm that holds the pension transfer permission. Arthur Browns may receive a fee from the firm we introduce you to if you become their client.

I can also advise directly on older pensions with guaranteed annuity rates through Arthur Browns. Read more about GARs.

How I work

• I listen first. Every pension and every family is different, so I start by understanding what you'd like to know.
• I keep it plain. No jargon, and no pressure to do anything.
• I'm straight with you about the rules. The FCA starts from the position that a transfer is unlikely to be suitable for most people. I'll explain why.
• You stay in control. Many people decide to leave their pension where it is, and that's a perfectly good outcome.

Arthur Browns Wealth Management

The Pension Transfer Specialist is operated by Arthur Browns Wealth Management Ltd, a firm of financial advisers based at Titan House, 13 Station Road, Horsforth, Leeds LS18 5PA. Arthur Browns is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 825843. You can check our details on the FCA Register.

Qualifications

Chartered Financial Adviser (LIBF)

Level 6

• Diploma in Advanced Financial Advice (Adv DipFA)
• Planning in Retirement (FPIR)
• Award in Pension Transfers
• Managing Investments (MANI)
• Taxation, Trusts and Tax Compliance (TTTC)

Level 4

• Diploma in Financial Planning
• Dip CII
• R02 Investment Principles and Risk
• CF2 Investment and Risk
• Life and Pensions
• J01 Personal Tax
• R06 Financial Planning Practice

Level 3

• Certificate in Financial Planning
• FPC1 Financial Regulation
• FPC2 Protection and Investments
• FPC3 Identifying Clients' Needs
• Certificate in Mortgage Advice

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Important: Arthur Browns Wealth Management Ltd (FCA 825843) does not give defined benefit pension transfer advice. The FCA starts from the position that a transfer is unlikely to be suitable for most people, and a transfer cannot usually be reversed. See Important information.