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Recover Your Losses from Capital Wealth Solutions

Capital Wealth Solutions Ltd (FRN: 536958) was declared in default by the FSCS in May 2026 following complaints about unsuitable pension transfer advice. If you transferred your pension into a SIPP on their recommendation, a refund claim may be possible — even if the firm has stopped trading.

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Why Choose Compensation Adviser

We specialise in recovering funds for victims of unsuitable pension advice and mis-sold investments. Our team understands the complexities of SIPP transfers, defined benefit pension mis-selling, and the Financial Services Compensation Scheme (FSCS) claims process. We handle the entire claim from start to finish, ensuring your case is presented with the strongest possible evidence.

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Your initial review is completely free and comes with no obligation to proceed.

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Our experts will assess your case quickly to determine if you have a valid claim.

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What Was Capital Wealth Solutions?

Capital Wealth Solutions Ltd was a financial advisory firm based in Loughton, Essex. Authorised and regulated by the Financial Conduct Authority (FCA) under Firm Reference Number 536958, the firm provided advice on pensions and investments.

The firm went into voluntary liquidation in December 2019 and was officially dissolved in September 2025. Its FCA authorisation lapsed in December 2025. On 1 May 2026, the Financial Services Compensation Scheme (FSCS) declared Capital Wealth Solutions in default after receiving and upholding claims against the firm relating to pension and investment advice.

How the Pension Mis-selling Occurred

Capital Wealth Solutions has been the subject of complaints to the Financial Ombudsman Service (FOS) regarding unsuitable pension transfer advice. In documented cases, the firm advised clients to transfer their existing personal pension plans into Self-Invested Personal Pensions (SIPPs).

This advice was often unsuitable for several reasons:

Ignoring Client Objectives: Advising transfers that locked away funds or exposed them to unnecessary risk when clients were nearing retirement and needed security and access to income.
Unnecessary Complexity and Cost: Recommending complex arrangements involving Discretionary Fund Managers (DFMs) and SIPPs that carried higher running costs than the clients’ existing, perfectly adequate pension schemes.
Failure to Consider Cheaper Alternatives: Failing to advise clients that they could simply switch to lower-risk funds within their existing pension arrangements without incurring transfer charges or higher ongoing fees.
Misjudging Risk Tolerance: Placing clients with a cautious attitude to risk into arrangements that required significant investment growth just to cover the increased charges.

Because Capital Wealth Solutions is no longer trading, victims of this unsuitable advice can now seek redress through the FSCS, which can pay compensation up to £85,000 per eligible claim.

Signs You May Have Been Mis-sold by Capital Wealth Solutions

If you recognise any of these warning signs regarding your dealings with Capital Wealth Solutions, your pension transfer may have been unsuitable:

You were advised to transfer a perfectly good pension into a SIPP with higher fees.

You were close to retirement but advised to take on investment risk you were uncomfortable with.

A Discretionary Fund Manager (DFM) was added to your pension, increasing your costs without clear benefit.

You were not told you could achieve your goals by simply switching funds within your existing pension.

The projected returns shown to you failed to properly account for all the new charges.

Your pension value dropped significantly after following the firm's transfer advice.

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What to Do If You Lost Pension Funds

1. Gather Your Documents

Collect any suitability reports, transfer documents, and SIPP statements related to Capital Wealth Solutions.

2. Check Your Current Pension Value

Find out the current value of your SIPP and compare it to what your old pension would have been worth.

3. Do Not Ignore the Problem

Time limits apply to financial mis-selling claims. Taking action sooner rather than later is essential.

4. Understand the FSCS Route

Because the firm is in default, claims are processed through the Financial Services Compensation Scheme.

5. Seek Professional Guidance

Complex pension calculations are often required to prove your exact financial loss.

6. Start a Free Review

Contact Compensation Adviser for a free, no-obligation assessment of your potential claim.

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Can I Recover Money Lost Due to Capital Wealth Solutions?

Yes, recovery is possible. Because Capital Wealth Solutions Ltd has been declared in default by the Financial Services Compensation Scheme (FSCS), the FSCS can step in to pay compensation to eligible clients who suffered financial loss due to the firm’s unsuitable advice. The FSCS limit for investment and pension advice claims against firms that failed after April 2019 is £85,000 per person.

Why Choose Compensation Adviser for Your Claim?

Specialist Pension Knowledge: We understand the complex calculations required to prove pension losses, especially when comparing a SIPP to a previous arrangement.
FSCS Expertise: We manage the entire FSCS claims process, ensuring all necessary evidence is presented correctly the first time.
No Upfront Costs: We work strictly on a no-win, no-fee basis, so you face no financial risk in pursuing your claim.
Stress-Free Process: We deal with the paperwork, the SIPP providers, and the FSCS, keeping you updated while you get on with your life.

Frequently Asked Questions

What happened to Capital Wealth Solutions Ltd?

Capital Wealth Solutions Ltd went into voluntary liquidation in late 2019 and was dissolved in 2025. On 1 May 2026, the Financial Services Compensation Scheme (FSCS) declared the firm in default following successful claims regarding unsuitable pension and investment advice.

Can I claim if my pension hasn't lost all its value?

Yes. You do not need to have lost everything to make a claim. If the advice to transfer your pension was unsuitable and you are financially worse off than you would have been had you stayed in your original scheme (due to higher charges or poor performance), you may have a valid claim.

What if I agreed to the transfer and signed the paperwork?

You can still claim. Financial advisers have a strict regulatory duty to ensure their recommendations are suitable for your specific circumstances. Even if you signed the documents, if the advice itself was flawed or failed to highlight the risks and alternatives, the firm remains liable.

How much compensation could I receive?

Because Capital Wealth Solutions is in default, claims are handled by the FSCS. The maximum compensation the FSCS can pay for this type of claim is £85,000. The exact amount depends on the specific financial loss calculated by comparing your current pension value to what it would have been worth without the transfer.

Is there a time limit for making a claim?

Yes. Generally, you have six years from the date the unsuitable advice was given, or three years from the date you became aware (or ought reasonably to have become aware) that you had cause to complain. We recommend starting your review as soon as possible to avoid missing deadlines.

What are your fees?

We operate on a no-win, no-fee basis. If your claim is successful, we charge a fee of 15% + VAT of the total compensation awarded. If we do not recover any money for you, there is no fee to pay.

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