Licence Status and Conditions

John Atkinson is a financial adviser who runs a licensed financial adviser business called and trading as Sterling Pensions Transfers Limited.

John advises on investments, KiwiSaver, Superannuation, Mortgages and Life and Health Insurance.

John Atkinson (FSP78162, trading as Sterling Pensions Transfers Limited) holds a licence issued by the Financial Markets Authority to provide financial advice. 


Nature and Scope of The Advice

Sterling Pensions Transfers Limited provides advice to clients about their Investments, KiwiSaver, Superannuation, Mortgages, Life Insurance and Health Insurance.

John only provides financial advice about products from certain providers:

  • For Life and/or Health Insurance, I work with six companies – AIA, Partners Life, Cigna, Fidelity, NIB, and AMP
  • For KiwiSaver and Investment products, I work with 3 companies – Booster, AMP, and ANZ


Fees or expenses

Sterling Pensions Transfers Limited does not charge fees, expenses or any other amount for the financial advice provided to its clients.

Conflicts of Interest and Incentives

For Life Insurance and Health Insurance, Sterling Pensions Transfers Limited and the financial adviser receive commissions from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to Sterling Pensions Transfers Limited and your financial adviser. The amount of the commission is based on the amount of the premium.

For KiwiSaver, Superannuation, and Investments, Sterling Pensions Transfers Limited and the financial adviser receive commissions from the KiwiSaver, Superannuation, and Investment Providers based on the balances.

To ensure that our financial adviser prioritises the client’s interests above his own, he follows an advice process that ensures his recommendations are made on the basis of the client’s goals and circumstances.



Complaints Handling and Dispute Resolutions

If you are not satisfied with our financial advice service you can make a complaint by emailing, or by calling John Atkinson on 027 209 4617.  You can also write to us at

PO Box 251

Paraparaumu 5254

New Zealand

When we receive a complaint, we will consider it following our internal complaints process:

  • We will consider your complaint and let you know how we intent to resolve it. We may need to contact you to get further information about your complaint.
  • We aim to resolve complaints within 10 working days of receiving them. If we can’t we will contact you within that time to let you know we need more time to consider your complaint, and will aim to provide you with a realistic timeframe.
  • We will contact you by phone or email to let you know whether we can resolve your complaint, and how we propose to do so.

If we can’t resolve your complaint, or you aren’t satisfied with the way we propose to do so, you can contact our external dispute resolutions scheme Financial Dispute Resolution Service (FDRS).

The FDRS provides a free, independent dispute resolutions service that may help investigate or solve your complaint, if we haven’t been able to resolve your complaint to your satisfaction.

You can view their website:, contact them via email:, phone: 0508 337 337, or write to them at: Freepost 231075, PO Box 2272, Wellington 6140.

Duties Information

Sterling Pensions Transfers Limited has duties under the Financial Markets Conduct Act 2013 relating to the way that I give advice.

I am required to:

  • Give priority to your interests by taking all reasonable steps to make sure my advice isn’t materially influenced by my own interests
  • Exercise care, diligence, and skill in providing you with advice
  • Meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice)
  • Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should, and give you suitable advice).

This is only a summary of the duties that I have.  More information is available by contacting us, or by visiting the Financial Markets Authority website at

Contact Details

John Atkinson (FSP78162) trading as Sterling Pensions Transfers Limited is the Financial Advice Provider.

You can contact me at:

Phone: 027 209 4617


Address: PO Box 251, Paraparaumu 5254, New Zealand

Transferring your UK pensions fund to New Zealand

Transferring pension funds from the UK to New Zealand can often be a complicated and time consuming process.

Many people living in New Zealand - either those originally from the UK or New Zealanders returning home - have pensions domiciled in the UK. Often they've chosen to leave them there, either because of the complexity involved and time spent transferring these funds to New Zealand, or because they simply haven't considered transferring them.

Now transferring is easy. Sterling Pensions Transfers Ltd provide an easy and affordable service that keeps you in control of your retirement savings.

If you don't you may be taxed on unrealised capital gains

UK pension plans may be affected by New Zealand taxation under Foreign Investment Fund (FIF) regulations.

Under these measures the investment growth in certain pension policies must be reported as taxable income in New Zealand each year. You will be liable for New Zealand income tax on this amount.

There are some exemptions

The FIF rules do not apply to some private annuities and employment-related superannuation schemes but the exemption rules are complex and you may inadvertently cancel the exemption if you do not know the rules.

There may be a four year window

New residents of New Zealand may qualify for the four year window which allows you time to transfer your fund to New Zealand without the FIF rules applying. If you have been in New Zealand nearly four years then you might want to call us now.

It is not too late

If you have been in New Zealand longer than four years then it is not too late to transfer your pension now and stop the FIF rules applying. You may have a tax liability that needs setting for the period between four years of being in New Zealand and the date of transfer, but we can assist with you getting advice on any such tax liability.

Professional Advice

As with any tax or legal issue, we urge you to seek professional advice on your specific situation. We can help arrange this for you if you wish.

Companies we use for Life and Health Insurance

  • AIA
  • Partners Life
  • Cigna
  • Fidelity
  • NIB
  • AMP

Companies we use for Investments, KiwiSaver and Superannuation

  • Booster
  • AMP
  • ANZ

Call Sterling Pensions on P: 0800 42 86 69 P: +64 4 298 6561 M: +64 27 209 4617

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