Who We Are

Specialist UK Pension Expertise

Transferring your UK pension into the Australian superannuation system is a complex and important financial decision. Our qualifications in both jurisdictions, combined with substantial experience in cross-border pension strategies, ensure that you receive informed, professional guidance throughout the process.

We take a personalised approach, ensuring we understand your unique retirement goals and financial circumstances. By leveraging our deep expertise in both UK and Australian retirement planning systems, we provide comprehensive, strategic advice tailored to your long-term objectives.

Our team

Simon Harding

UK & Australian Certified Financial Planner®

Simon Harding brings an unparalleled combination of UK pension expertise, dual CFP® certifications, and an unwavering commitment to precision and ethical advice.

A Chartered Fellow of CISI (UK) and holding the globally recognised Certified Financial Planner® (CFP®) designation in both the UK and in Australia, Simon is among the most highly qualified professionals in Australia, specialising in this complex area of advice.

Simon has spent over 25 years in financial services, starting his career as a Pension Specialist at Scottish Equitable, where he trained Independent Financial Advisers (IFAs) in complex pension transfer analysis. He later became an IFA and Pension Transfer Specialist, advising individuals and corporate clients across all UK pension structures.

After emigrating to Australia with his wife, Simon rapidly earned Australian financial planning qualifications and gained experience at Aon Hewitt before establishing his own specialist practice. Today, he helps UK expats transfer their pensions efficiently, ensuring their retirement strategies align with Australian regulations and opportunities.

Having made the move himself, Simon understands both the opportunities and complexities UK expats face when transitioning their finances to Australia. He is passionate about helping others navigate the process smoothly, ensuring they maximize their retirement wealth while avoiding common pitfalls.

Now based in Murray Bridge, South Australia, Simon enjoys the relaxed Australian lifestyle with his wife, exploring the beautiful wine regions and natural landscapes. His firsthand experience as an emigrant fuels his commitment to helping UK expats secure their financial future Down Under.

Simon takes a highly personal approach, developing long-term financial strategies tailored to each client’s goals. His deep understanding of both UK and Australian financial landscapes enables him to provide seamless, conflict-free advice, ensuring clients make the most of their retirement assets.

Simon provides expert financial advice to clients across Australia through video conferences via Microsoft Teams or Zoom, offering flexibility and accessibility regardless of location.

Professional Qualifications & Memberships

Australia

Certified Financial Planner® (CFP®) – Financial Advice Association of Australia (FAAA)

ASX Accredited Listed Product Adviser – Kaplan Professional

Self-Managed Super Fund (SMSF) Accreditation – Kaplan Professional

Advanced Diploma of Financial Planning
Commercial Law – Kaplan Professional
Tax for Financial Advising – Kaplan Professional

CFP™ Chartered Fellow (Financial Planning) – Chartered Institute for Securities and Investment (CISI)

Certified Financial Planner (CFP™)

Chartered Wealth Manager (CISI)

G60 Pension Transfer Specialist – Chartered Insurance Institute (CII)

Diploma in Financial Planning – Level 4 (CII)

Professional Memberships

CFP® Professional Member – Financial Advice Association of Australia (FAAA)

CFP Chartered Fellow – CISI UK

Diploma Qualified Member of the Personal Finance Society (PFS) & Chartered Insurance Institute (CII UK)

His enviable combination of world-class qualifications, technical expertise, and client-first approach ensures UK expats receive the highest standard of advice and service in Australia.

Committed to UK Expats in Australia

Having successfully made the transition himself, Simon is passionate about helping fellow UK emigrants navigate their financial future with confidence. His combination of world-class qualifications, technical expertise, and client-first approach ensures UK expats receive the highest standard of advice and service in Australia.

Kym Brakmanis

Practice Manager

Kym is responsible for the smooth day-to-day operation of the practice, ensuring that clients receive a seamless and efficient experience. She manages administration, coordinates with product providers and investment firms, and liaises with clients’ existing professionals, helping to keep everything running smoothly behind the scenes. With strong organizational skills and a proactive approach, she plays a key role in delivering exceptional service standards.

Background

An Australian by birth, Kym spent nearly 20 years living and working in London, gaining invaluable insights into the cultural nuances between the UK and Australia. Her international experience allows her to connect with UK expats navigating financial transitions, making her an essential part of the practice.

Personal

Outside of work, Kym is a passionate sports fan. A lifelong Wallabies supporter, she followed her team across Europe during her time abroad. While rugby remains her top passion, Ashes Tests make for lively office discussions!

Our happy clients

Deciding on a financial advisor is not an easy task and that’s why I was very happy when I came across Simon Harding. I found Simon to be very personal and, most importantly, highly transparent. Each step of the way through my pension transfer and with subsequent financial decisions, Simon has explained each transaction, provided details of any options available and explained any fees applicable. I feel I have been given well researched advice and have never felt pushed into making a decision. If you are looking for an advisor who will take the time to understand your circumstances and provide comprehensive and transparent advice, then I fully endorse choosing Simon.

John H

– Sydney, NSW

The work Simon carried out moving my Defined Benefit funds from the UK was exceptional. He then guided my wife and myself through the setting up of our SMSF with regard to QROPS and all relevant regulations, both in Australia, and the UK. Four years on, Simon continues to advise on our investments, while Kym keeps us on top of all the admin requirements of a SMSF. A great team, that we are fortunate to have in our corner.

Harry & Sheryne T

– Mornington Peninsula, VIC

I discovered Harding Wealth Management by chance on an internet search, and even one call with Simon was enough to demonstrate that he was different. Some of his insights have been life-changing for us. For the first time in my life I feel I have a financial advisor I can trust and work with. I wish I had met him 30 years ago. I would certainly recommend Simon and HWM to anyone starting the complex and legally-fraught process of moving UK pensions to Australia.”

Simon E

– Brisbane, QLD

I would highly recommend Simon – we like others have had issues with offshore pensions advisors in the past and nearly got caught so we were very happy when we found Simon. Very trustworthy and great advice. Couldn’t have done this without him and he has made the whole process go very smoothly. Well worth it for the peace of mind.

Steve & Jutta

– ACT

Transferring a pension fund from the UK is not a simple process. Simon has been professional, knowledgeable and has communicated the positives and negatives well from our first meeting. Having successfully completed the transfer, his ongoing support and management of our SMSF investments has been excellent.

Peter C

– Adelaide, SA

I had my due diligence call with Standard Life last night which lasted for 50 minutes! He was particularly complimentary of your Statement Of Advice Simon, saying it was the most comprehensive one he has seen in 25 years doing his job. So much so he read it cover to cover twice!

Mike T

– Bondi, NSW

I had worked for many years in the financial services industry in the UK. When I met Simon it was clear to me that he had both the knowledge and experience to assist me in my UK pension transfers. I would not hesitate in recommending him to anyone with a UK pension fund wishing to receive the highest quality advice.

Alison E

– Adelaide, SA

It was great to find someone like Simon. I nearly fell foul of using an offshore company (you know the ones, they contact you out of the blue) but having someone professional and knowledgeable, who I could sit and talk to, was a great relief. The area of pension advice is one that you should consider carefully before you do anything that you might regret later in life. It’s your money and I would seriously recommend talking with Simon before you make a decision, I’m glad I did.

Paul C

– Adelaide, SA

I was introduced to Simon by my existing financial adviser, who recommended him due to his UK pensions expertise. It is clear he has a full understanding of the issues involved, and it is comforting to know he has both UK and Australian qualifications. Simon takes the time to explain all of the options and makes the process and transition easy to follow. You know you are dealing with someone who has a command of the subject matter. I would not hesitate in recommending him to anybody with a UK pension fund that requires high quality, knowledgeable advice with integrity.

Susan C

– Adelaide, SA

Simon efficiently helped me through the UK pension plan transfer process. His knowledge of this very complex field is unquestionable. I have no hesitation in recommending his services.

David J

– Melbourne, VIC