Florin Pensions LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Florin Pensions LLC provides pension and investment advice to United Kingdom expatriates and other nationals generally residing in the United States who have existing UK-based pension plans. The firm’s services focus on written pension reviews and benefit assessments, recommendations about potential transfers to UK personal pensions (such as SIPPs or QROPS), and periodic notices about relevant changes in UK pension legislation.
Florin’s work is consultative and document-driven: after client authorization it obtains statements of benefits from trustees, delivers a written assessment, and may recommend third‑party pension trustees and investment managers, but it does not take custody of client assets or exercise discretionary trading authority. Because assets remain with regulated pension trustees and the selected managers, clients implement transfers and investment decisions through those third parties, and Florin advises clients to review trustee/manager disclosures and seek independent tax advice.
Noteworthy features relative to many peers include a specialist focus on cross‑border UK pension issues and a multi‑office footprint (five offices), while operating as a pension consultancy rather than an asset manager that holds or directly manages client assets. The brochure also discloses that a majority of firm revenue comes from fees tied to referrals to recommended investment managers, creating a documented potential conflict of interest, and the firm states it has no minimum account requirement for clients.
Client services
Expertise
Fee options
£0+: Establishment fee for DC pension transfers ranges from 3% to 3.5% depending on value £0+: Establishment fee for DC pension transfers with self-directed investments is 2% £0+: Establishment fee for DB pension transfers is 2%
Minimum fee: Establishment fee minimums vary: £3,500 for DC pension transfers, £6,000 for DB pension transfers. Fee-only: Annual fees of 1.0% for ongoing pension and investment advisory services; 0.5% annual fee for clients who self-direct investments in UK personal pension; annual fees for Non-Pension Assets managed by Florin of up to 0.5%.
Main office
315 Montgomery Street, Suite 900
San Francisco CA 94104, United States
Offices (3)
Most active in
Arizona · California · Colorado · Connecticut · Florida · Georgia · Illinois · Louisiana · Maryland · Massachusetts · Michigan · Nebraska · New Hampshire · New Jersey · New York · North Carolina · Oregon · Pennsylvania · South Carolina · Texas · Virginia · Washington
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Kelci L
Series 65
Vancouver, WA
Florin Pensions LLC
Kelci Laam is a Series 65-licensed advisor with Florin Pensions LLC in Vancouver, Washington, where she has worked since 2020. She has three years of industry experience and previously operated as a self-employed advisor for seven years. Florin Pensions LLC provides pension and investment advice to United Kingdom expatriates and other nationals residing in the United States who have UK-based pension plans. The firm focuses on written pension reviews, benefit assessments, and recommendations for potential transfers to UK personal pensions, operating as a pension consultancy without taking custody of client assets.
Emma C
Series 65
Novato, CA
Florin Pensions LLC
Emma Cockerton is a Series 65-licensed advisor with Florin Pensions LLC, based in San Francisco, CA. She has 12 years of industry experience and has been with Florin Pensions since 2012. Florin Pensions LLC specializes in pension consultancy and investment advice for UK expatriates and other nationals residing in the United States who have UK-based pension plans. The firm provides written pension reviews, transfer assessments, and recommendations for pension trustees and investment managers, focusing on UK/EU pension arrangements rather than general portfolio management.
Charles C
Series 65
Novato, CA
Florin Pensions LLC
Charles Cockerton is a financial advisor at Florin Pensions LLC in San Francisco, CA, holding a Series 65 designation with 14 years of industry experience. He has been with Florin Pensions since 2012. Florin Pensions LLC provides pension consultancy and investment advice to UK expatriates and other nationals residing in the United States who have existing UK-based pension plans. The firm focuses on pension reviews, transfer assessments, and recommendations related to UK personal pensions, working through pension trustees and third-party investment managers rather than managing client assets directly.
John T
Series 65
Dunedin, FL
Florin Pensions LLC
John Tunstall is a financial advisor at Florin Pensions LLC with 14 years of industry experience. He holds the Series 65 designation and has been with Florin Pensions since 2012. Florin Pensions LLC provides pension and investment advice to United Kingdom expatriates and other nationals residing in the United States who have UK-based pension plans. The firm focuses on written pension reviews, benefit assessments, and recommendations regarding UK personal pension transfers, operating as a pension consultancy without taking custody of client assets.
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