South Africa Financial Services Board (FSB) will limit upfront commission to 50% as further details emerge on how the regulator will introduce the first set of Retail Distribution Review (RDR) …
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Inheritance Tax- Gifts and the 14 year rule.
Inheritance Tax can be reduced by gifts but did you know that gifts made within 14 years of death can potentially attract an Inheritance Tax charge? Tax advice that does …
QROPS and the International Enhancement Factor
QROPS and the International Enhancement Factor QROPS and the International Enhancement Factor seem to get little mention on websites that promote offshore pension transfers. However, this is a suprise as …
Commission or Fees QROPS – a no brainer?
Last week I was reading a QROPS article, regarding commission or fee, about a firm that sells QROPS to those with UK pensions. It has led me to write …
QROPS provide a greater tax free lump sum than UK pensions- The QROPS Tax Free Cash myth exposed
Firms advertise the potential for a larger Tax Free Cash lump sum from a QROPS at retirement than a UK pension can provide. However, those that have sat and passed …
The Lifetime Allowance – LTA QROPS and Returning to the UK
Expat Returns -LTA The Lifetime Allowance ( LTA ) Many expats were encouraged to transfer their pensions because of this LTA. This was only likely to be good advice is …
What is Financial Planning?
Financial Planning means different things to different people According to Stuart Langan of OpesFidelio, who trades as Stein Personal & Corporate Planners (Stein PCP), Financial Planning is not a product; …
OF Adviser view
The FT waves the flag for fee based advice offshore which benefits our OpesFidelio network members ( OF Adviser ) There was an interesting article in the Financial Times claiming …
Lifetime Allowance 5 Key Facts
We are now into a new UK tax year, let’s look at: Lifetime Allowance 5 Key Facts Current Lifetime Allowance 5 Key Facts (LTA) The LTA is now £1million, …
Drawdown vs UFPLS
Since 2006, there have been a lot of changes to UK pensions and especially the terminology, Flexi-access drawdown and the Uncrystallised Funds Pension Lump Sum are examples. April 2015 introduced the …