Pension Transfers Limited

What Pension Transfers Limited does

Pension Transfers Limited (legal entity PENSION TRANSFERS (2005) LIMITED) is a New Zealand-domiciled financial advisory firm specialising in the transfer of UK pension entitlements to New Zealand Recognised Overseas Pension Schemes (ROPS/QROPS). Founded in 2000 by Tom Gilbert and incorporated in 2005, the firm operates from Lower Hutt and serves a narrow cross-border niche: UK expats residing in New Zealand and returning New Zealanders with accumulated UK workplace or personal pensions. Core products include a complimentary personalised transfer report, full-service transfer management (capped at NZ$1,795 for Defined Contribution schemes, NZ$2,995 for Defined Benefit schemes, or 5% of the transfer value, whichever is lower), independent ROPS fund selection across at least nine providers (Booster, Craigs, iSelect, AMP, Generate, Milford, Kernel, Lifetime, kōura), a UK Cash Account for FX timing, and an optional ongoing portfolio monitoring subscription at up to 1% per annum of account balance.

The underlying technology is minimal in the software-engineering sense: there is no public API, SDK, proprietary platform, or algorithmic layer. Service delivery rests on human advisers who are members of Financial Advice New Zealand, operating under a Class 2 Financial Advice Provider Licence (FSP34505) issued by the Financial Markets Authority. The firm is also a member of the Insurance & Financial Services Ombudsman dispute resolution scheme. Distribution runs through a curated partner stack spanning migration advice (Down Under Centre), foreign exchange (Halo Financial, Global Reach), international removals (PSS International Removals), and expat networks (Expatland Global Network), supplemented by UK Expos, seminars, monthly webinars, and an SEO-driven website with a free-report CTA. The firm is privately held by Tom Gilbert (Managing Director), who is also a small shareholder in Retirement Income Group Limited, the parent of Garrison Bridge Superannuation Scheme, creating a disclosed vertical alignment with one ROPS provider.

Name

Pension Transfers Limited

Legal name

PENSION TRANSFERS (2005) LIMITED

Website

https://pensiontransfers.co.nz

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Short description

Pension Transfers Limited is a Lower Hutt, New Zealand-based financial advisory firm that helps UK expats and returning Kiwis transfer UK pension entitlements into New Zealand Recognised Overseas Pension Schemes, operating under an FMA Class 2 licence since 2000.

Ownership category

akta.pro rank

Product category

Pension Advisory Services

NAICS

Pension Funds (52511)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

akta.pro secondary industry

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ)

Keywords

• Pension transfer advisory
• UK pension transfers
• ROPS fund selection
• Retirement planning services
• Financial advice services

Headquarters

HQ city

Lower Hutt

HQ country

New Zealand

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. UK Pension Transfer Fees: One-time transfer fees charged for advice and management of the pension transfer process. Fees are capped based on scheme type: up to $1,795 for Defined Contribution Schemes or $2,995 for Defined Benefit Schemes, or 5% of the amount transferred, whichever is lower. Fees may be negotiable for multiple pension fund transfers.
2. Ongoing Portfolio Monitoring Fees: Recurring fees for ongoing monitoring of client pension portfolios. Calculated at up to 1% per annum of account balance, payable monthly.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Pension Transfers Limited provides specialist financial advice and transfer services for UK expats and returning New Zealanders who want to move UK pension funds to New Zealand Recognised Overseas Pension Schemes (ROPS). The offering combines a free initial transfer report, personalised advice from qualified financial advisers, full-service transfer management (advice plus process execution), independent ROPS fund selection across multiple providers, and optional ongoing portfolio monitoring with a UK Cash Account feature for managing GBP-to-NZD currency timing.

Product overview

Pension Transfers Limited operates as a financial advisory company offering a unified suite of services for UK pension transfers to New Zealand. The core offering combines free consultation reports, advisory services, and managed transfer execution, supplemented by ROPS fund selection guidance and ongoing portfolio monitoring. The company works with multiple ROPS providers (Booster, Craigs, iSelect, AMP) as an independent adviser, not tied to particular funds. Services are delivered through personal adviser contact rather than a technology platform.

Differentiator

Problem solved

Functional benefit

Products and services

• UK Pension Transfer Advisory Services Expert advisory services for transferring UK pensions to New Zealand Recognised Overseas Pension Schemes (ROPS), including free comprehensive reports, personalised advice, and full-service transfer management from assessment through completion. Targeted at UK expats living in New Zealand and returning New Zealanders with UK pension savings.
• UK Pension Transfer Service Full-service pension transfer management covering advice and process management from start to finish, with capped fees of NZD $1,795 per Defined Contribution Scheme or NZD $2,995 per Defined Benefit Scheme, or 5% of the amount transferred, whichever is lower. Fees may be negotiable for multiple pension transfers.
• Free UK Pension Transfer Report Complimentary detailed report outlining benefits, risks, ROPS recommendations and transfer options tailored to the client's personal needs and circumstances, used as the entry point into the advisory service.
• ROPS Fund Selection Advice Independent advisory services to help clients assess and select appropriate Recognised Overseas Pension Scheme (ROPS) providers and fund types across Booster, Craigs Investment Partners, iSelect, AMP, Milford, Kernel Wealth, Lifetime, kōura and Generate, covering managed funds, investment platforms and self-administered pension schemes.
• Ongoing Portfolio Monitoring Continued investment oversight and portfolio review service for clients post-transfer, with a recurring monitoring fee of up to 1% per annum of account balance, payable monthly. Includes proactive reviews aligned with retirement planning needs.
• UK Cash Account A currency-management feature that lets clients transfer UK pension funds in GBP and hold them in a UK cash account while awaiting favourable GBP/NZD exchange rate conditions before converting to NZD, mitigating unfavourable currency timing on large transfers.

Quantifiable outcome

• 8,500+ successful UK pension transfers completed

Named customers11 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

15 partnerships are on record, tiered minor and core.

• Halo FinancialminorGTM or Marketing PartnerAward-winning, safe and secure Foreign Exchange Specialist offering exceptional exchange rates for pension transfer fund conversions. Their experienced Currency Specialists provide guidance and create bespoke plans to ensure clients receive the best possible exchange rates within their timeframe. Has been assisting clients transfer funds to New Zealand for over 17 years.
• Down Under CentreminorGTM or Marketing PartnerA one-stop centre for all migration needs to Australia and New Zealand, providing professional migration advice, skills assessment, and related services. Keith Hinkley is a regular speaker on monthly Down Under Centre webinars providing emigration advice to UK residents.
• Expatland Global NetworkminorGTM or Marketing PartnerBrings together local, reputable service providers in expat cities around the world, including Auckland, Christchurch, and Wellington.
• Global ReachminorGTM or Marketing PartnerLeading provider of corporate and private foreign exchange, offering strategic insight and guidance to help clients more effectively manage their currency exposure. Provides competitive exchange rates, market news, rate alerts, and team of currency specialists.
• PSS International RemovalsminorGTM or Marketing PartnerProfessional company specialising in international moves and shipping to New Zealand from across the British mainland.
• BoostercoreChannel Partner/ Reseller/ DistributorROPS (Recognised Overseas Pension Scheme) provider that Pension Transfers works with as an independent adviser firm.
• Craigs Investment PartnerscoreChannel Partner/ Reseller/ DistributorROPS provider partnered with Pension Transfers for independent adviser-based pension transfer services.
• iSelectcoreChannel Partner/ Reseller/ DistributorROPS provider available through Pension Transfers independent advisory services.
• AMPcoreChannel Partner/ Reseller/ DistributorROPS provider partnered with Pension Transfers for pension transfer services.
• GeneratecoreChannel Partner/ Reseller/ DistributorROPS provider available through Pension Transfers independent advisory services.
• MilfordcoreChannel Partner/ Reseller/ DistributorROPS provider partnered with Pension Transfers.
• Kernel Wealth LimitedcoreChannel Partner/ Reseller/ DistributorROPS provider available through Pension Transfers independent advisory services.
• LifetimecoreChannel Partner/ Reseller/ DistributorROPS provider available through Pension Transfers independent advisory services.
• kōuracoreChannel Partner/ Reseller/ DistributorROPS provider partnered with Pension Transfers.
• Garrison Bridge Superannuation SchemecoreChannel Partner/ Reseller/ DistributorTom Gilbert, Managing Director of Pension Transfers Ltd is a small shareholder in Retirement Income Group Limited, the parent entity of Garrison Bridge Superannuation Scheme. This represents a conflict of interest that the company manages through its compliance programme.

Scale indicators3 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• Spectrum IFA Group: Independent financial adviser focused on UK expats transferring pensions abroad. Comparable niche focus on QROPS and cross-border pension advice with similar personalised advisory delivery.
• Hoxton Capital Management: UK-based international wealth adviser specialising in expat financial advice, QROPS, and pension transfers. Direct competitor for expat clients cross-border between UK and other jurisdictions.
• Blevins Franks: Long-established international financial adviser for UK expats across Europe. Highly comparable: both serve UK expatriates moving abroad with pension transfer and retirement advisory services, on a fee-for-advice basis with recurring AUM-based monitoring.
• deVere Group: One of the largest independent international financial advisory groups, with strong QROPS and cross-border pension transfer offerings. Comparable at scale, competing for the same UK expat client base with similar advice-driven model.

Broad incumbents

• Forsyth Barr: One of New Zealand's largest full-service wealth management and stockbroking firms. Overlaps with Pension Transfers on ROPS fund selection and retirement planning for high-net-worth NZ clients, though serves a broader NZ-domestic market.
• Craigs Investment Partners: NZ investment advisory and wealth management firm, already a ROPS partner to Pension Transfers. Comparable in serving NZ-based clients with UK pensions through investment advice and portfolio management.
• Maven Capital Partners (advisory arm) / Quilter International: Large UK-based wealth and adviser group with an international expat advisory arm that handles QROPS and cross-border pension transfers. Wider portfolio but overlapping capability in UK-to-overseas pension transfers.
• AMP NZ: Major NZ superannuation, KiwiSaver and wealth provider already in Pension Transfers' partner panel. Competes indirectly for retirement-investment AUM of NZ residents with UK pension backgrounds.

Emerging players

• Kernel Wealth: NZ digital/low-fee managed funds and KiwiSaver provider. Adjacent offering: increasingly competes for the retirement-investment wallet of returning Kiwis, though without the dedicated UK-pension-transfer advisory layer.

Regional players

• Pie Funds Management: NZ boutique managed funds and KiwiSaver provider. Comparable in serving NZ retirement savers with managed-fund recommendations, though positioned for domestic investors rather than UK-pension specialists.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/pension-transfers-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pension Transfers Limited