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


Mr & Mrs Whatman

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.

Christchurch Clients since 2014


Mr Laney

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


Mrs Razey

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.

Dorset A client since 2016


Mrs Drysdale

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


Mr R C Brady

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.

Bristol A client since 2012

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