About Us

The Pension Problems website is written, published and funded by Caledonia Asset Management Ltd.

Caledonia Asset Management Ltd is a firm of Independent Financial Advisers with Chartered Financial Planner status. Chartered status confers on us a responsibility to adhere to a strict code of practice and ethics and ensures that we operate at the highest professional standards at all times. The firm is authorised and regulated by the Financial Services Authority and is also MiFID registered to conduct business in Europe.

Based in Edinburgh's financial district we specialise in offering a bespoke service to pension Trustees, corporate entities and individual clients throughout the UK. Our independent financial advice is tailored to each client's situation and is individual to them.

Our skilled team of advisers and administrators is headed up by Chartered Financial Planner J Gordon Forbes who has over 30 years experience in financial services. Gordon is an FSA registered pension specialist, Chartered Financial Planner and is also a CERTIFIED FINANCIAL PLANNERCM and is a member of the Pensions Management Institute Trustee Group and the Chartered Institute for Securities and Investment. All client facing staff are members of the Chartered Insurance Institute (CII) and adhere to the high levels of on going training and professionalism required by that membership. Caledonia's team has a 'can do' attitude which has regularly achieved positive outcomes for clients. As a result the firm has built up an enviable reputation for solving pension problems.

The firm is privately owned by its two Directors who take a very hands-on approach to client work. The firm's ethos is to maintain the highest standards of professionalism and personal service at all times and to provide high levels of professional advice and administration at reasonable cost to the client.

Why Choose us?

We know that when appointing a professional adviser it is important to 'shop around' on costs, get referrals, and look into all the details before making your decision. While cost is not the only consideration when choosing an adviser - trust and the level of professionalism count for much - it is an important factor. We are therefore happy to give an indication of fees at your initial consultation.

On Trust - we have an over 95% long term client retention rate, and on professionalism we have attained Chartered Financial Planner status - the highest level of professionalism in the industry - and ensure that all staff undergo continuing professional development as part of their job.

In support of our Non-Discretionary Investment Management Services, where we manage the underlying funds within a client SIPP, we are also members of the Chartered Institute for Securities and Investment (CISI). The CISI is the largest and most widely respected professional body for those who work in the securities and investment industry in the UK and in a growing number of major financial centres round the world.

You can variously check out our qualifications, registrations etc on the FSA website, CII and CISI website or through unbiased.co.uk. Check out the company and its Directors through the Companies House Website, and at www.calam.co.uk.

You should do this with any financial adviser you are considering.

See our useful links page for further details/assistance.

We offer an initial no obligation assessment of your situation after which any work agreed will be carried out following completion of the appropriate compliance procedures required by law. Our work is mainly fee based and we will agree all costs with you in advance - there are no surprises. Fees are related to the complexity of each case and the time involved in putting in place a solution. There is no obligation on either side to proceed following the initial enquiry, and no chargeable work is carried out before client agreements are in place.

Please browse our case studies for an idea of the types of work we have undertaken for clients to date, and contact us if you think we can help you or your business.

Find out more about Caledonia Asset Management - website: www.calam.co.uk