It was refreshing to see that Kara Gammell’s article for the Telegraph spelt out the opportunities for tax planning and pensions to protect surviving partners. I say this as I …
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Why pay for Transfer Analysis for a final salary pension?
For many years, even before it became compulsory, UK advisers specialising in pension transfers offered clients pension transfer analysis.I can recall being involved with the first transfer analysis systems about …
Transfer to a QROPS and Save Up To 45% Income Tax
No expat wants to pay a whopping 45% Income Tax on the income from their UK pension fund. Numerous adverts on the internet warn that leaving your pension in the …
Making a Goulash of Your Retirement ( Insurance bond and income )
The title is synonymous with making a mess of something and that is what many retirees will be doing if they expect insurance bonds to provide them with the flexibility …
A Necessary Evil? ( The need for financial Advisers )
There are a range of occupations that provide services we all need, whether we enjoy or like them or not. I am not sure anyone enjoys the bi-annual trip to …
Investment Advice and the Piggy Bank
Expat investors are often given investment advice by offshore firms that are regulated. But, they are only regulated to give advice on insurance products and not investment advice and most …
QROPS Fees, Transparent Charges and Commissions
SIPP & QROPS Fees and Commissions Explained We list below the key QROPS fees and SIPP fees you can expect to pay, and how you can avoid being charged too …
Pension Qualifications (Why are they important ?)
Internet finance sites make claims. In regulated territories claims have to be substantiated and words have to be chosen carefully, whereas offshore the same powerful words are often utilised without …
Budget 2015
Following the Chancellor’s Budget on 8th July , we have provided a helpful summary of the main headlines below which may be of interest to you: Tax-free Personal Allowance – …
Recognised overseas pension schemes
QROPS have been on the radar of HMRC and the Pensions Regulator in the UK due to multiple “unlocking” schemes designed to allow access to funds whilst theoretically avoiding tax; …