Transparency, as a description of advice delivery, is being used more and more by firms involved in financial advice. However, what does transparency mean? While we have been banging on …
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Tax Planning with SIPPs and the LTA
UK pensions offer fantastic opportunities for expats, especially those who wish to consider tax planning with SIPPs and the LTA (Lifetime Allowance). Since the spring Budget 2017, UK pensions will …
QROPS Rules 2017 – Are the new QROPS rules fair?
QROPS Rules 2017 – Are the new QROPS rules fair? The QROPS rules 2017 have altered the QROPS landscape completely. I refer to the 9th March as Q Day and the …
The Pensions Scorpion Campaign
The Pensions Scorpion Campaign was launched by the UK Pensions Regulator to create awareness of pension scams, for both the investing public and pension trustees and pension companies, to protect …
QROPS Budget 2017- The Devil is in the Detail
QROPS Budget 2017 The Budget 2017 announcement about the changes to QROPS was unexpected but perhaps not unsurprising, given the misuse of QROPS as a tax planning product by some quarters …
QROPS Budget 2017
QROPS Budget 2017- Just announced on HMRC’s website “As announced at Spring Budget 2017, the government will legislate in Finance Bill 2017 to apply a 25% tax charge to pension …
Personalised Portfolio Bonds
Why are some offshore bonds referred to as Personalised Portfolio Bonds and why are they widely recommended for QROPS and investments? Is it true they are really inappropriate for a …
Offshore Bonds in Pensions
Offshore bonds in pensions have been widely used by non-UK IFAs and we recently posted a blog about insurance bonds that discussed the responsibility of advice. Offshore Bonds As we …
Offshore Insurance Bonds
Offshore insurance bonds are widely sold to expats as a wrapper for investments. Traditionally, these offshore insurance bonds have offered some excellent tax planning opportunities for those living in highly …
Lifetime Allowance Charge at 75
The Lifetime Allowance charge is applied at certain Benefit Crystallisation Events, covered here , and understanding this is key to ensuring less tax is paid. The Lifetime Allowance charge actually affects …