We arrived in Adelaide in November and I now work as a Financial Planner in Adelaide (After 16 years advising in the UK) and something that has really hit me that I hadnít realised before, even after qualifying to advise in SA was the relevance of your first six months and looking at transferring funds with regards to my UK pension. Particularly as the markets have been so bad and those of you with Money Purchase Company Pensions/Stakeholder/Personal Pensions in the UK. Hopefully these funds will start recovering now and this could affect me/you in the future if the funds are left in the UK after your first six months. As an adviser I cant go into great depth regarding this point as we have the same compliance issues here as the UK and it would have to be done on a personal basis. But its definitely worth looking at while your in the window of the six months.