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
My husband and I have been advised by Isabel Sinclair regarding our financial affairs for the past 20 years. We have always had confidence in her advice which she has carefully tailored to our needs individually. She is conscientious in gathering our views before advising us about what she thinks will suit us. She is always helpful and happy to advise on all aspects of finance and spending. We would not hesitate to recommend PFM Associates.
I have known David Venditti for over 8 years. I have absolute confidence in his ability as an adviser. I trust David implicitly and he has a great ‘bedside manner’. David explains everything to me thoroughly so I can fully understand. I would be happy to refer David.
David Venditti is very welcoming and friendly when I contact him. David is very knowledgeable, and I have total confidence in his abilities and he always makes sure we fully understand everything. I could not wish for a better Financial Adviser and would recommend him to anyone as I totally trust his advice and guidance.
I have known David Venditti for six years and he is reliable, trustworthy and gives good advice. I would be happy to recommend him to anyone who needs financial advice.
We have known John Skipton for six 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.
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.
Thomas Wilson is always professional and the advice has been good. It has been reassuring to find an adviser that I could fully trust. PFM have always been open and honest with me and my family.
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.
I was introduced to PFM by a family member about eight 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.
We have been clients of PFM Associates, specifically Isabel Sinclair, for many years and ran a very small family general practice. We found the advice over the years in practice and in our retirement planning very sound. Recently life events have changed the emphasis of our future planning and again we have had advice that we feel is relevant and helpful.
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