Disclosure & Notices
Pillar 3 and BIPRU Remuneration Code Disclosures
The PFM Associates Limited (‘Firm’) Pillar 3 disclosure accessed via the link is in accordance with the Capital Requirements Directive (‘CRD’) whereby the European Union established a regulatory capital framework governing the amount and nature of capital institutions and investment firms must maintain. In the United Kingdom, the CRD has been implemented by the Financial Conduct Authority (‘FCA’) and the Firm complies with the FCA’s consequent rules contained in the Prudential Sourcebook for Banks, Building Societies and Investment Firms (BIPRU). This disclosure also includes the Firm’s Remuneration Code.
For a full copy of our BIPRU Remuneration Code Disclosures, please click here.
Meeting our obligations under the Revised Shareholder Rights Directive II (SRD II)
PFM Associates Limited currently run their discretionary management service using collective investments (OEICS, unit-trusts etc) only and do not invest directly in shares traded on regulated markets. However, if the Firm were to do so in the future, we are required by the Revised Shareholder Rights Directive II to explain whether or not we have an engagement policy in relation to the companies we would invest in, where the companies’ shares are admitted to trading on a regulated market. If we did so, we consider that the proportion of shares we might hold in investee companies would be much lower than those held by large institutional investors and we, therefore, would not be able to engage with investee companies to the extent envisaged by SRD II. We do not therefore have a formal engagement policy.
What our clients say
We have known John Skipton for 11 years. John Skipton is always patient and gives good sound advice. I would be happy to recommend John Skipton and PFM Associates to anyone should the situation arise.
Christchurch Clients since 2014
John has a very strong ability to explain complex financial matters in a simple and concise way, without watering down the key points of detail. This is important when I am making decisions about my financial future.
Bournemouth A client since 2015
Since being a client of PFM, I have been really impressed with the level of personal service and advice I have also received. Pensions and tax are a minefield of complexity to the uninformed and PFM have brought great clarity and I have learned much from Christian's advice, all provided with a very friendly and clear approach.
Bournemouth A client since 2019
PFM have been our Independent Financial Advisers for many years. We like the fact that each adviser has their own area of expertise, so clients have access to a wide knowledge base. We feel confident that our money is well-managed and highly recommend PFM.
Dorset A client since 1998
I was introduced to PFM by a family member about 12 years ago, in order to obtain personal pension planning advice. I have been very pleased with the advice given by my adviser, for my pensions and for wealth management. I have no hesitation in recommending PFM.
Bristol A client since 2012
Christian is only my second ‘adviser’ in 30 years of professional financial advice and I feel that I could not have acquired a better one; he listens carefully, is always empathetic to my concerns and requests.
I totally trust his judgement and considered advice which has always been balanced and very rewarding.
Poole A client since 1992
Ready to start your journey?
If you have any questions or would like to organise a no-obligation consultation at our expense, please complete this form.
