Regrets .... I've had more than a few. I was promised integrity, honesty and trustworthiness. I was promised continuity of service and adviser, 4 reviews a year and financial peace of mind and security. AW has failed to deliver on any of its promises. I CANNOT RECOMMEND Abbey Wealth and would give minus 5 stars if allowed). Upon receiving the final response letter from Abbey Wealth's New Head of Compliance (for a complaint which started on 15 April 2024) I immediately terminated the relationship by writing to the Trustee of the QORPS who acted upon my request within a couple of hours. AW were removed from my account with immediate effect. Thankfully the Pension Trustee is more efficient that AW who have taken from 15 April 2024 to 20 March 2024 to provide a schedule of costs. I have paid an eyewatering £37.5k in fees to Abbey Wealth from my pension fund in the last two years and a further £23k to the discretionary fund manager. I haven't drawn down anything from my pension and the income generated from fund last year just about covered the 19k total costs (in one year!). Thankfully, I trust the Discretionary Fund Manager, but the scale of fees is eye-watering and although I can speak regularly with the fund manager I can't change the investment strategy without an FA. I once trusted AW, but I don't any more, and with good reason. Make sure your advisors translate % into money equivalents for your wake-up call. Ask your adviser for a schedule of fees. AW had to go to the discretionary fund manager to ask for the fees it received because, presumably, it doesn't have its own records. I didn't realise I didn't have a record either. In 2 years there has been no summary of fees paid to AW from AW. In the last year I have had 4 financial advisers, NO reviews, spent a year complaining and paid £6k in fees for what the Head of Compliance called "ongoing service". I have effectively paid £6k to have my complaints handled badly by the Head of Client Services, the Head of Sales and the Head of Compliance. I found out that initial adviser was a contractor and personally received undisclosed commission for new business (in breach of fiduciary duty). AW calls this a "commercial relationship" which it doesn't believe needs to be disclosed, despite the fact it is driving the type of products that are recommended. The reason there are exit penalties on the bonds is because of the front loaded commission that AW gets (which isn't explained to clients), including the commission secretly paid to the adviser(s). The Head of Compliance says AW's standard terms and conditions do not state quarterly reviews, although this was written into other contractual documents. He accused me of "non-co operation" for there being only one fact find and only one risk assessment since 2022! They didnt't give me access to cashcalc (the proprietary software) until 20 November 2024 and I'd been dealing with them since December 2021! The Head of Compliance doesn't think that former employees / contractors stealing client information as per Vesper France's comment (below) is an data protection issue (!) or the sending of other people's pension information to someone else (by insecure and unencrypted email) is a problem! The Head of Sales backdated a document and he doesn't see that as a problem and the Head of Client Services and Head of Sales don't understand or comply with the firm's complaints process and that isn't a problem either. This organisation is a complete and utter shambles. 100% turnover of advisers and they are still churning. New intake have barely (or any) ex pat experience. They have refused to refund the fees, refused to confirm whether the initial advice I was given is accurate or not, and offered £500 as an ex gratia payment. I am clearly just a cash cow to be milked dry. AW have also been creaming off the fees from my husband's pension which has flatlined in a rising market (after fees). We have just discovered that the adviser who left in August 2024 was still named as the adviser on the Novia Platform which raises major data security concerns about AW's "ongoing service" and due diligence. Use them at your peril because "ongoing service" which is inadequate service (of sufficient care and skill to meet legal standards) is considered to be the "exceptional service" promised by AW on its website, its publicity and orally by its employees (or contractors) I now need to make formal complaints to the Maltese regulator (in respect of my QROPS), the Irish Financial Ombudsman (in respect of the misrepresentation and omission etc), to the UK regulator (in respect of my husband's pension) and to the Irish Data Protection Commissioner and/ or to the Irish court. Yes, it will involve a lot of work and worry which is the antithesis of "financial peace of mind".