Florin Pensions LLC

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Client assets under management

Clients

485

0% high-net worth

Advisors

of 5 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

121

Very High

Average account size

About

Florin Pensions LLC provides pension consultancy and investment advice to UK expatriates and other nationals generally residing in the United States who have existing UK-based pension plans, offering written pension reviews, transfer assessments, and recommendations for pension trustees and investment managers. The firm’s services focus on assessing statement-of-benefits information, summarizing retirement and death benefits, and advising on potential transfers to UK personal pensions such as SIPPs or, where applicable, QROPS.

Florin does not act as a discretionary portfolio manager, does not maintain custody of client assets, and does not implement trades on client accounts; instead, assets remain with regulated pension trustees and third‑party investment managers who execute and report on investments. The firm typically delivers a written assessment after obtaining a statement of benefits, may engage third‑party UK regulated advisers for transfer value analyses, and advises clients to seek independent tax advice regarding US/UK tax implications.

What distinguishes Florin from many team advisers is its narrow, expatriate‑focused niche concentrating solely on UK/EU pension arrangements rather than general individual portfolio management, together with its reliance on recommending third‑party trustees and managers with which it may have ongoing compensation arrangements. The brochure notes that a substantial portion of its revenues arises from referral-related fees and that clients face no stated minimum account requirement, underscoring the firm’s consultative referral model and potential conflicts of interest that clients should consider.

Client services

Selection of other advisers

Expertise

General retirement planning

Fee options

Percentage

£0+: 3% - 3.5% establishment fee for DC pension transfers depending on value £0+: 2% establishment fee for DC pension transfers with self-directed investments £0+: 2% establishment fee for DB pension transfers

Other

Minimum fee: £3,500 minimum establishment fee for DC pension transfers; £6,000 minimum establishment fee for DB pension transfers Fee-only: Annual fee of 1.0% for ongoing pension and investment advisory services; 0.5% annual fee for clients who self-direct investments in their UK personal pension; annual fee up to 0.5% for Non-Pension Assets advisory services

Main office location

Florin Pensions LLC

201 Spear Street, Suite 1100

San Francisco CA 94105, United States

Number of offices

Most active in

Arizona · California · Colorado · Connecticut · Florida · Georgia · Illinois · Louisiana · Massachusetts · Michigan · Nebraska · New Hampshire · New Jersey · New York · North Carolina · Oregon · Pennsylvania · South Carolina · Texas · Virginia · Washington

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Website 415-230-5377

Advisors at this firm

Kelci L

Series 65

Vancouver, WA

Florin Pensions LLC

Kelci Laam is a financial advisor at Florin Pensions LLC with a Series 65 designation and two years of industry experience. She has been with Florin Pensions since 2020 and was self-employed from 2013 to 2020. Florin Pensions LLC provides pension consultancy and investment advice primarily to UK expatriates and other nationals residing in the United States with UK-based pension plans. The firm focuses on pension reviews, transfer assessments, and recommendations for trustees and investment managers, operating on a consultative referral model without discretionary portfolio management or custodial responsibilities.

General retirement planning

Emma C

Series 65

San Francisco, 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.

General retirement planning

Charles C

Series 65

San Francisco, 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.

General retirement planning

John T

Series 65

Dunedin, FL

Florin Pensions LLC

John Tunstall is a Series 65 licensed financial advisor with Florin Pensions LLC, where he has worked since 2012. He has 13 years of industry experience and is based in Dunedin, Florida. 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, focusing on UK/EU pension arrangements rather than general portfolio management.

General retirement planning

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