Dunedin, FL Office

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.