With more than 35 years experience...

Important Information About Us

We are an independent company that provides services for both corporations and individual private clients. A significant area of our business is dealing with the financial needs of expatriate clients. Our services range from QROPS overseas pensions and property to International Asset and investment management.

 

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Confirmation

A Personal Approach To Financial Planning

Since 1972 we’ve been helping individuals, particularly expatriates, manage their savings, assets and investments, wherever they are globally and at whatever stage they are in life. Our expert teams of financial planners and advisors listen to you, evaluate and understand your requirements and then apply our comprehensive experience to provide you with financial planning and investment solutions that are practical and effective.

Helping you
We are there to help you whether you have a modest or a comprehensive knowledge of managing your own money. We will provide the level of assistance suitable to your needs. If you are experienced in managing your own assets we will assist you in the way that you wish. Our professional management will allow you over time to obtain better returns and a better income stream than from saving accounts. We believe that are our fees are simple, straightforward and pay for themselves. You also benefit from being able to view your accounts 24/7 online in a completely secure manner.

Personal service
Pryce Warner International Group are committed to providing the very best in personal service to both our personal and our corporate clients. Our account managers understand that providing professional expertise and personal service to our clients throughout the world ensures the building of long-term relationships.

Keeping you informed
We make it a priority to keep you informed with the latest Expat & Financial News relevant to your expat lifestyle and also important matters pertinent to your financial affairs. We do this through our website, twitter, facebook & newsletter bulletins. Our clients also benefit from being able to view their individual portfolios through our highly secure web portal wherever and whenever they wish.

Your personal advisor is always available to answer any questions you may have.

Understanding your concerns and needs
Certainly, each client whether individual or corporate, has a unique set of circumstances and requirements. Our job is to listen, as well as advise and to understand your needs, and then create a mix of assets to suit your needs and circumstances.

Our experience shows us that the basic objectives for most clients have common characteristics which are; to maintain and enhance the value of your capital; provide regular income; to minimise your tax liability; to plan for estate and inheritance planning in the most tax efficient way. We ensure that your financial planning is flexible and is able to change in accordance with your needs and changes to your lifestyle or location. Our service has been carefully designed to ensure that you receive the best possible advice to optimise your financial position at every stage of your life wherever you are located worldwide.

Long term planning
We can help you plan for the transfer of your assets on death and advise you on reducing tax liabilities in order that your selected beneficiaries will receive the maximum benefits. We will help you to ensure that your financial affairs are dealt with in an effective and professional manner and that consideration is taken for material changes in your life.

Our Senior Staff
are our primary asset in assisting our clients achieve their financial objectives, you can meet them here.

Application Forms

Pension & Retirement Planning

Time to enjoy what you have worked hard for

Firstly, it will have been necessary for you to have built up your retirement with or without the help of a corporate employer. Many expats find that for one reason or another the building up of a retirement fund is their personal responsibility and is not something that is provided by their employer. We are able to help you structure your own personal pension plan by means of lump sum contributions as well as regular pension plan contributions. 

Planning for retirement can be complicated, especially as an Expatriate. You’ve been looking forward to this for a while,  so let us remove the stress and strain and allow you to enjoy your retirement in full. We have extensive knowledge and experience of Expat retirement planning and can help make sure that your retirement is well planned for and that your retirement assets are professionally managed allowing you to enjoy a stress free retirement.

Our Expert Pension Advice - This will help you avoid the complications of accessing your UK pension whilst abroad. We’re experts in Qualifying Recognised Overseas Pension Schemes (QROPS), which free up your UK pension for transferring abroad without tax deduction.

Professional Asset Management – We can select and manage the assets that meet your requirements, and manage them in a way that suits you. Your pension assets can provide retirement income to you in the currency or currencies of your choice.

Tax Planning – We have in-depth experience that can help you reduce your tax burden. Evaluating the best tax strategy for you is an important part of protecting and preserving your wealth for both you and your beneficiaries.

Wills and Trusts Planning – We can advise you how best to ensure that your assets are preserved ensuring that they are passed to your beneficiaries in the most tax-efficient manner.

Pension & Retirement Planning Audio Slideshow

Seminars

Seminars are very useful for acquiring information & understanding on any & all topics. Pryce Warner International give seminars to interested individuals, groups, associations & corporations throughout the world. By clicking on any seminar in the list below you will be able to see the content of the seminar and contact us if you or your group wish to attend.

Should you wish us to give a seminar to your group/expatriate association/ company et al we will be please to do so. You just need to provide us with your location, the likely number of attendees and the financial subject of your choice & we will be pleased to organise the seminar according to your requirements.

For further information contact David Harra at dharra@prycewarner.com or call our international toll free number on 00800 27 46 59 71.

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Testimonials

Johannesburg, South Africa
We needed to structure pension and investment income in a tax efficient manner, minimise exposure to UK death duties and to construct a portfolio to protect us from the type of losses that have caused anxiety in the past. Pryce Warner have done this extremely professionally.
 

Amsterdam
Having used the services of numerous ex-patriate banking & investment groups I consider myself able to to be objective in Wealth & Asset Management. You have provided personal service, excellent investment results and that is what I was having difficulty in obtaining previously. Thank you Pryce Warner
 

Buenos Aires, Argentina
Pryce Warner International have provided us with a very effective and professional service. As experienced investors our relationship with PWI has proved to be a sound decision. First class results and our account manager has proved his worth many times over.
 

Tokyo, Japan
Becoming clients of PWI was one of the best decisions we have made, great client service, very satisfactory investment performances. We are able to view our investment performances online. Your team in the Private Client Division are informed and very effective
 

Bahrain
As long term Ex-Pats we needed to take responsibility ourselves for our retirement planning. Pryce Warner have done an excellent job for us in planning for our children's education & future university costs. The performance & management of our existing investment portfolio is first class. Your level of client service is excellent and meeting with our Pryce Warner Consultant twice per year keeps us up to date on our current & future planning.
 

Villefranche-sur-Mer, France.
Thank you to the PWI Mortgage Planning Division for an excellent personal service. As Brits moving to France your help was invaluable. Our very limited French language skills did not present a problem thanks to the help we received from your excellent multi-lingual team. The advice and re-structuring of our investments & pensions has resulted in a greatly enhanced retirement lifestyle for us. The fact that professional personal service is always on hand is a great comfort to us.
 

Bergerac, France & Oxfordshire UK
We became clients of PWI after attending an introductory seminar at one of the company ‘Open Days’ in their Paris office a few years ago. Going along to the ‘Open Day’ was one of the best decisions we have ever took. The team in the Private Client Division provides us with excellent service and we are agreeably impressed with the investment performance they have delivered.
We are able to access our investment portfolios ‘on line’ and the forward planning we have done to minimise taxes will ensure our children and grandchildren benefit from our assets in the future.
 

Mougins, France & London UK
As ex-patriates of some 25 years standing we have lived in many countries and consulted a number of different companies about our financial affairs. Now as clients of PWI we have finally found the ‘peace of mind’ we have been looking for. PWI expertise, attention to detail & personal service is the best we have ever encountered. We are very happy with our investment results and improved level of income. The ‘passing on’ of our assets to our children & grandchildren is very important for us and PWI has helped us to plan intelligently both for today and for the future.
 

Valbonne, France
Moving to a new country, in our case France, was for us a huge step. Thanks to PWI we were able to obtain a mortgage, structure our investments and have a regular income, which has made a fantastic difference to our lives. The multi-lingual team at PWI is excellent and the fact that we are able to view our investment portfolio on line is a great comfort. We always know where we are. Thank you PWI.
 

Brussels, Belgium
We wish we’d found PWI sooner! They have provided us with a truly professional service and brought organisation and order to our finances and investments. We now have significantly better returns and growth, and a regular income that we previously had not thought possible.
 

Monte Carlo, Monaco & London, UK.
I have worked with a number of investment management groups and have not always been impressed with their investment performance & level of service. With Pryce Warner International Group it has been a completely different story and I have finally found the results and personal service I was looking for. Having PWI managing my assets has given me true ‘peace of mind’ , excellent performance & results allowing me to concentrate on my business and what I do best.

 

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Multimedia Client Information

Audio Slideshows
» About Pryce Warner International Group » QROPS Client Information » QNUPS Client Information » Private Investment Banking » International Tax Planning » Mobile News » Education Fund Planning » FAQs » Portfolio Management » Wills & Estate Planning » UK IFAs » Pension & Retirement Planning » Referral Agents » Careers
Powerpoint Slideshows » Pryce Warner International Group - Services » QROPS - Clients Services » QNUPS - Clients Services » Private Investment Banking » International Tax Planning » Education Fund Planning » Portfolio Management » Wills & Estate Planning » Pension & Retirement Planning » Referral Agents » Careers » UK IFAs
 
Podcasts » QROPS - What is a QROPS Overseas Pension? » Pryce Warner Retirement Planning » Moving Abroad Expat Check List » How To Reduce Inheritance Tax
Videos » QROPS - What is a QROPS Overseas Pension? » How to reduce your inheritance tax? » Do Your Investments Stand The Test » Moraira Property in Costa Blanca Spain » Dordogne Property » Antibes property South of France » Caribbean property Barbados, Bermuda, Cayman » Portugal property » European Property » Worldwide Property: Dubai, U.A.E
 
Testimonials » Read all Testimonials
 

Podcasts - Client Information

QROPS - What is a QROPS Overseas Pension?
 


Pryce Warner Retirement Planning
 


Moving Abroad Expat Check List
 


How To Reduce Inheritance Tax
 
 


 

Videos - Client Information

QROPS - What is a QROPS Overseas Pension?



How to reduce your inheritance tax?



Do Your Investments Stand The Test



Moraira Property in Costa Blanca Spain


 

Dordogne Property



Antibes property South of France



Caribbean property Barbados, Bermuda, Cayman



Portugal property



 

European Property



Worldwide Property: Dubai, U.A.E


 

 

 

 

QROPS Overseas Pensions Schemes

Could a QROPS overseas pension scheme help you take greater control of your retirement planning?

QROPS are ideal for those living overseas but may already have some form of pension plan in their home country, as it allows them greater flexibility, new investment opportunities as well as the possibility to reduce your tax burden.

QROPS (Qualified Recognised Overseas Pension Schemes) are a form of overseas pension available to those living or planning on living outside the UK for five or more years. In order to transfer your UK pension to an overseas scheme, the receiving scheme must meet the criteria established through the HMRC approved rules.

Pryce Warner International Group have over 40 years experience of international pension planning as well as hundreds of advisors in over 60 countries worldwide. We always endeavour to treat clients on a case-by-case basis, carefully assessing each individual’s unique set of needs to create a plan that is right for them.

We offer a free initial consultation, so, if an overseas pension is not suitable for you, there will be no fee.

QROPS Audio Slideshow

We can help you make the most of retirement today.

QNUPS Pensions

Could a QNUPS Pension help reduce the impact of UK Inheritance Tax (IHT) on the future of your assets?

QNUPS (Qualified Non-UK Pension Schemes) are a form of Overseas Pensions available to both those who are U.K. domiciled (whether U.K. resident or not) and are seeking to move their pension overseas.

QNUPS are most commonly used by Expats who are planning on retiring outside of the U.K. and are therefore potentially able to get a preferential tax rate in the country they are retiring in as well as alleviate U.K. inheritance tax (IHT). However, you do not need to be planning to retire abroad to be eligible, they are available to anyone who is U.K. domiciled (whether U.K. resident or not).

Qualifying Non – UK Pension Schemes (QNUPS) were introduced by the UK Government on 15th February 2010 to correct an ambiguity in the earlier legislation. The initial intention was to exempt a pension fund from IHT on the death of a pension member if no lump sum or other payment was drawn down from the retirement fund.

There are very specific benefits to QNUPS. The primary benefit is that your assets are effectively removed from the U.K. tax net and introduced to a new tax environment depending on your residence. This can lead to a substantial increase in income derived from your retirement fund.  QNUPS also allow individuals to invest more regularly into their pension pot than the UK annual allowance of £50 000.

Pryce Warner International Group have over 40 years experience handling overseas pension planning for Expats and we have hundreds of advisors in over 60 countries worldwide. We always ensure to work with clients on a case-by-case basis, carefully assessing each individual’s unique set of requirements to create a plan that is tailored to their needs.

We offer a free initial consultation, so, if an overseas pension is not suitable for you, there will be no fee.

QNUPS Audio Slideshow

We can help you make the most of retirement today.

Education Fund Planning

Education fund plans are becoming more and more important, as the cost of education from kindergarten to post graduate and beyond has increased significantly over recent decades and particularly so in the last few years. With education fees continually increasing, making provisions for your children's education requires a long-term plan.

The earlier you start your plan the better. Depending on your own objectives, you may choose to target one or all of the different stages of your children’s education:

» Primary » Secondary » University/higher education » Post University Degrees » Business or Many other forms of career training Education fund plans can take a number of forms, they can work as trusts, as part of an investment portfolio or a more straightforward saving scheme. Our financial advisors can help you find which form of plan would suit you best, and offer a much higher rate of return on investment that traditional savings accounts. With over 40 years experience, we can ensure the decision whether to go on to higher education can be made on ability, not financial standing.

Education Fund Audio Slideshow

INVESTMENT SERVICES

Pryce Warner International provides professional investment management of various securities and assets.

Tax Planning

When badly managed, tax can be one of the most stressful and potentially hazardous aspects of expats working abroad. With expert knowledge and careful tax planning, however, you can achieve both full compliance and good retention.

We can help you make the most of your newfound circumstances.

Our International tax planning services include

» Personal financial planning for consultants: making the most of your personal financial situation and leveraging any benefits provided by the local authorities » Taxation compliance: The most important of any contract overseas is to ensure that you remain fully compliant in the eyes of your host country. A key aspect of our service is to ensure that this is always the case by means of accurate planning before the fact, and by taking care of your local tax return for you. » Expatriate taxation: Contracting abroad presents a number of advantages from a tax perspective, but care must be taken to remain compliant both in your host country and at home. » Offshore taxation services: There are many misconceptions and inaccuracies that are often repeated with regard to offshore tax. Depending on your circumstances, widely divergent laws may apply and varying advantages may be enjoyed, but detailed local knowledge and stringent attention to detail is required: There is no "one-size-fits-all" answer to questions such these. » We can help you make the most of advantageous situations, and avoid the common pitfalls of international tax. We will guide you at every stage of your contract, and take into account every detail of your personal situation in order to maximise your retention and compliance. In essence, if there is anything you are unsure about, we can help: from the most basic question to the largest project.

Tax Planning Audio Slideshow

Wills & Estate Planning

Whether you are planning a family, already have children or planning your retirement, it is essential to make a will. Doing so allows your assets (property, stocks, savings, etc) to be passed on to the people you love in a manner of your choosing and ensures that the value of your estate is not substantially reduced by inheritance taxes in your country of residence.

It is a common misconception that IHT only affects the rich. In fact, under UK inheritance tax law (IHT) any estate valued at over £325 000 (double for married couples) is liable to 40% IHT. Between the average value of property and savings, not to mention any stocks shares you may have, this means the majority of home-owners will likely be subject to IHT.

Imagine your assets are a big cake that's sliced up and distributed between your loved ones after you pass on. You want to control who gets each slice of the cake, how big their slice is and ensure that the slice that goes to the taxman is as small as possible.

For those that live and work internationally, it is even more important to a will in place. Working in one country, owning property in another and having dependents in a third can mean your estate may be subject to myriad of inheritance laws in numerous countries. For this reason it is a good idea to set up a will in every country where you own property and have your primary will in the country you are domiciled in for tax purposes.

The principal form of a will, a "Simple Will" leaves assets to another person or persons and will not protect assets from UK based IHT or protect your assets from claims for third parties e.g. a former spouse.

However, Estate Planning Wills, allow individuals to make much more detailed and complex provisions such as:

» You are free to decide how your assets are allocated » Minimising IHT » Ensuring your partner/children are provided for » If you are divorced, being able to decide whether or not to leave anything to your former partner/spouse To ensure the process of creating a will is as simple as possible, we've set-up an easy to use will-writing pack that can assist you in considering some of the decisions that you will have to make, e.g. appointing guardians for your children or dependants.

Wills & Estate Planning Audio Slideshow

Overseas Property

Looking to move abroad or perhaps you’re returning to the UK?

If so, we offer a range of services designed to make the process of purchasing and selling overseas property as simple and as worry-free as possible.

An estimated 1.8 million people from the UK will own or invest in an overseas property within the next 5 years, so if you’re looking to join them, why not first join our mailing list to get the very latest properties direct into your email inbox?

Buying & Selling Property

We have extensive experience in advising clients on buying property outside their home countries and have strong relationships with many English-speaking notaries, surveyors and specialised lawyers around the world.

If you are looking to sell your overseas property, then why not contact Pryce Warner International to show your property to an ever-increasing number of potential buyers? Our service is open to private sellers, estate agents and property developers. For private individuals you may list your property abroad for a flat fee, for all other enquires please contact us with your requirements.

We also have a comprehensive network of professionals with the local experience needed to make independent, intelligent assessments of investment property worldwide. Our staff are also multi-lingual, with comprehensive experience of real estate practices and regulations all over the world.

Mortgages & Equity Release

We partner with some of the world's most respected financial institutions to offer you a wide range of flexible, competitive mortgage solutions and insurance policies. The consultants in our in-house mortgage division are also able to advise on selecting the right type of mortgage, secure competitive rates and flexible repayment programs as well as all other aspects of your mortgage planning.

We also offer an equity release service that enables property owners to affect a cash release by borrowing money against the value of your home or homes. The monies released can then be used for whatever project you wish. Some common uses are;

» Increased retirement income » Home Improvement » Estate Planning » Educational needs for children &/or grandchildren » Additional Investment » Purchase of a second home » Travel The purchase of a family home, second home or other property investment can be central to planning for your long-term financial freedom and financial independence.

The consultants in our in-house mortgage division are able to advise you on all aspects of your overseas mortgage and property planning, everything from selecting the correct type of mortgage, securing competitive rates and flexible repayment programs, to putting you in touch with the best local or international moving companies.



» French Property For Sale
» Spain Property For Sale
» Portugal Property For Sale
» European Property For Sale
» Caribbean Property For Sale
» Worldwide Property For Sale
» Overseas Property FAQS

Financial and Tax Planning Are Essential When Moving From Or Returning To The UK

The most important element of moving from or returning to the UK is planning ahead.

Even for seasoned Expats that have lived in several countries, relocating internationally marks a big change. Tax laws, property markets and day-to-day expenses can vary greatly from country to country, and it is highly important that you research the country you are moving to so that you can adequately prepare for these changes.

Even if you are returning to a country that you have lived in before, often tax laws change over time, so it is still necessary to ensure that you are fully protected.

That said, moving abroad also brings with it new opportunities for savings and investments, which can be greatly beneficial if fully taken advantage of.

Contact Us

If you would prefer to speak to one of our advisors in person, we can arrange a meeting at one of our international offices. Any preliminary meetings are strictly no-obligation and are designed purely to assess whether or not our services may be of help to you.

 Please feel free to contact us at your most convenient office below. Alternatively, simply text the word "Callback" to +44 (0) 7920 195380 and let us call you back.

International Toll Free: 00800 27 46 59 71
Call this number to speak to one of Our Professional Advisors

International Office (U.K): +44 (0) 20 3364 5016
2nd Floor
Berkeley Square House
Berkeley Square
London
W1J 6BD 
View Map

Monaco: +377 97 97 29 22
9 Chemin de La Turbie,
Monte Carlo,
Monaco 98000
View Map

France: +33 (0) 1 72 03 03 42
23 rue Balzac,
Paris 75008
View Map

Belgium: +32 (0) 2 403 6510
6 Rond-Point Schuman,
Brussels,
Belgium B-1040
View Map

Ireland: +353 (0) 1 44 75 406

Spain: +34 91 11 425 85

Switzerland: +41 (0) 44 580 77 94

Skype: prycewarner

Email: clientservices@prycewarner.com

Our Expat Blog

Overseas Pension Scheme Transfers

What are the benefits of an overseas pension scheme transfer?

» You are able to increase your monthly income from your UK-SIPP pension plan assets whilst at the same time minimising your exposure to currency fluctuations » Pension rights transferred into a SIPP-QROPS-HMRC approved are also now protected from UK inheritance tax (as introduced in the October pre-budget statement) » No need to buy an annuity or ASP (Alternatively Secured Pension) after 75 » You gain control of your retirement plan assets with the right to leave the assets in your plan to your chosen beneficiaries » You have the potential for increased growth of your retirement assets & reduced administration costs in comparison to your UK retirement plan » No UK income tax liability on income » 25%lump sum from retirement fund, 30% if resident outside the UK for more than 5 years » Fully portable from country to country » Greater flexibility in terms of how and when you draw down your benefits Do not hesitate to contact us if you have any queries.

Leading QROPS Providers

Pryce Warner International Group are amongst the leading QROPS providers and we primarily offer QROPS in Guernsey, though our QROPS are available in several jurisdictions, all of which are fully approved by HMRC.

Overseas pensions are not suitable for everyone, especially if you only plan to be overseas for a short period of time and intend to return to the UK before you retire. It is highly important that you seek independent financial advice regarding your options from one our fully qualified financial advisers before making a decision. 

We offer a free initial consultation, so, if an overseas pension is not suitable for you, there will be no fee.

The Key advantages of our QROPS over a traditional pension are;

» Transferable from existing QROPS schemes » Greater flexibility on drawing benefits » No limit on extra contributions or transfers » Flexibility on investment choice » Clear charges and no hidden penalties » Benefit payments are paid gross » Over 40 years experience » Bespoke service tailored around your needs

QROPS Pension Plans

If you transfer an existing QROPS pension plan to one of ours or open a completely new QROPS and transfer your pension plan assets and/or SIPP's to us, we will waive the new QROPS account fee, saving you £750.

So, if you have an existing scheme and are interested in changing provider or would like to set up a new scheme, contact us for a no obligation consultation with one of our expert advisors

QROPS Rules and Procedures

 

An overview of QROPS rules and procedures

 

FAQs QROPS Pensions

Below are some of the most frequently asked questions we receive regarding QROPS Pensions. If you have a query that is not answered below or you would like additional information, don't hesitate to get in touch with one of our expert advisors.



» 1. What is a SIPP-QROPS ? » 2. How are SIPP-QROPS-HMRC Approved structured? » 3. Should I transfer my pension to a QROPS-HMRC Approved? » 4. Which jurisdiction should I choose for my QROPS-HMRC Approved Transfer? » 5. Who can move their pension into a SIPP-QROPS-HMRC Approved ? » 6. Can I transfer my UK pension when benefits are already in payment? » 7. My pension has a large proportion of Protected Rights - can I move these into a SIPP-QROPS-HMRC Approved? » 8. When can I take the pension benefits? » 9. What is the minimum transfer I can make into a SIPP-QROPS-HMRC Approved ? » 10. Can I make additional contributions to my SIPP-QROPS-HMRC Approved ? » 11. Is there any Taxation on the Transfer? » 12. My UK pension is IHT protected - is a SIPP-QROPS-HMRC Approved ? » 13. Can I return to the UK after taking the benefits? » 14. What happens if I return to the UK before taking the benefits? » 15. What happens if I transfer to an international pension that isn't a QROPS-HMRC Approved? » 16. Can my existing UK pension transfer investments "in specie" rather than selling them and transferring cash to the QROPS-HMRC Approved? » 14. Can I invest in residential property? » 18. I am interested in transferring my UK pension to a SIPP-QROPS-HMRC Approved - What do I do next?
1. What is a SIPP-QROPS ?
A QROPS-HMRC Approved is a recognised overseas pension scheme that meets certain requirements. The rules of the scheme must be broadly equivalent in terms of tax treatment, to a UK registered pension scheme and the scheme manager must provide Her Majesty’s Revenue & Customs (HMRC) with information on certain ‘events’.

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2. How are SIPP-QROPS-HMRC Approved structured?
A SIPP-QROPS-HMRC Approved is structured in a similar manner to a UK pension; i.e. there is an investment vehicle which is owned on your behalf by a pension administrator (trustee). This trustee must be based outside the UK and approved by HMRC as a SIPP-QROPS administrator.

Through the investment vehicle you can access a wide range of cash, bond, property, hedge, equity and commodity funds - and switch between these funds as market conditions change.

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3. Should I transfer my pension to a QROPS-HMRC Approved?
If you are moving or are already residing abroad, with no intention of returning to the UK, then a QROPS-HMRC Approved may well be the best course of action.

However, if you have no intention of residing abroad but are simply trying to circumvent the rules that would apply to a UK registered pension, then The Overseas Pension is not for you. 

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4. Which jurisdiction should I choose for my QROPS-HMRC Approved Transfer?
The Pryce Warner International Group QROPS-Qualified Recognised Overseas Pension Scheme is available in several jurisdictions all of which are fully approved by Her Majesty’s Revenue & Customs (HMRC) requirements these being Guernsey & The Isle of Man. Both of these locations are strictly regulated and provide our clients with well regulated jurisdictions and tax efficient solutions.

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5. Who can move their pension into a SIPP-QROPS-HMRC Approved ?
Anyone who has been living overseas for 5 years or more ,or who intends to live outside of the UK for more than 5 years and who has a UK ‘onshore’ pension scheme. As such, this scheme applies as much to Australians, New Zealanders and South Africans (and any other nationality) who have worked in the UK as to British expatriates.

Individuals who have not been non UK resident for 5 years can also apply for a SIPP-QROPS-HMRC Approved if they believe they not going to return to the UK within 5 full tax years of leaving.

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6. Can I transfer my UK pension when benefits are already in payment?
It is possible to transfer a pension where benefits are in payment provided that they are not from an annuity or certain company pension schemes.

 

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7. My pension has a large proportion of Protected Rights - can I move these into a SIPP-QROPS-HMRC Approved?
Yes. However, in certain circumstances it may not be advisable to do so.. Protected Rights often have far more favourable terms than standard pension benefits so we would strongly recommend speaking to us before transferring protected rights. If an individual does decide to transfer protected rights, disclaimers will need to be signed to confirm the policyholder understands the potential implications.

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8. When can I take the pension benefits?
Technically, you can take the benefits from the day of transfer. However, virtually all of the investment vehicles will have a minimum term of 5 years (unless you have less than 5 years to retirement). It is important to point out at this point that the money being transferred has been set aside for your retirement and we would strongly recommend leaving a large portion of the pension value in the SIPP-QROPS-HMRC Approved until you reach retirement.

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9. What is the minimum transfer I can make into a SIPP-QROPS-HMRC Approved ?
There is no minimum level. However, it may not be efficient to transfer a single smaller pension into a SIPP-QROPS-HMRC Approved. We can advise on the most efficient vehicle based on the size of your pension ‘pot’ and the length of time you have until you retire. Generally the minimum is 50,000 GBP

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10. Can I make additional contributions to my SIPP-QROPS-HMRC Approved ?
Yes - depending on the investment vehicle being transferred into.

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11. Is there any Taxation on the Transfer?
A transfer of a registered pension scheme to a SIPP-QROPS-HMRC Approved is a Benefit Crystallisation Event (BCE). This means it will give rise to an additional income tax charge where the transfer exceeds the individual’s lifetime allowance. Currently, this allowance is set at £1,500,000. Below this amount there is no taxation at transfer. Anyone with a pension fund larger than £1,500,000 who is contemplating such a transfer should obtain specialist advice from Pryce Warner International Group before proceeding.

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12. My UK pension is IHT protected - is a SIPP-QROPS-HMRC Approved ?
At present, no. However, in the Pre-Budget Report delivered by the Chancellor of the Exchequer on 9 October 2007, it was announced that IHT “protection” is to be extended to UK tax relieved pension’s savings held in overseas pension schemes. The change will be backdated to have effect from 6 April 2006

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13. Can I return to the UK after taking the benefits?
Yes, you can return without prejudice. If you return to the UK then the transfer will have a neutral affect as UK pension regulations will apply to the QROPS-HMRC Approved. However, to ensure there is no taxable event, we would recommend staying offshore until the next tax year begins.

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14. What happens if I return to the UK before taking the benefits?
Yes, you can return without prejudice. However, to ensure there is no taxable event, we would recommend staying offshore until the next tax year begins. The SIPP-QROPS-HMRC Approved administrator will have to report this ‘event’ to HMRC and the pension scheme will become subject to UK pension regulations again. If the administrator does not do so, they will lose their approved status - if you do not inform the administrator, you are breaking the law.

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15. What happens if I transfer to an international pension that isn’t a QROPS-HMRC Approved?
There are serious tax implications if the scheme turns out not to be a QROPS-HMRC Approved, including unauthorized member payment and surcharge, as well as a scheme sanction charge.
The scheme sanction charge is 40% of the transfer value payable by the pension scheme. The unauthorised payments surcharge is 15% of the transfer value and would be payable by the individual.

Overseas QROPS Pension Plans

Overseas QROPS Pension Plans » Qualified Recognised Overseas Pension Scheme. See QROPS for full details.

HMRC » Her Majesty’s Revenue and Customs, the tax authority for the UK

UK-SIPP » Self-Invested Personal Pension, a UK-government-approved personal pension scheme, which allows individuals to make their own investment decisions from the full range of investments approved by HM Revenue & Cusotms (HMRC).

Assets » Any and all holdings, savings, shares, stocks bonds, property, valuables.

Estate » The cumulative worth of your assets.

Expat/Expatriate » An individual who resides permanently in a country other than the one in which they were born/grew up. For example a UK citizen that lives, works or is retired in Spain and is domiciled for tax purposes in Spain would be considered an Expat.

UK-IFA's QROPS

We provide QROPS-HMRC approved transfer services for IFA's  (Independent Financial Advisors) in the UK and around the globe. We are more than happy to assist you and your Clients with QROPS-HMRC approved enquiries & transfers.

We have over 40 years proven experience in dealing with financial advisors in this capacity. It is often difficult for UK financial advisors to be able to find the products and structures that best serve the needs of Expatriates, as they often require their income in one or more currencies and require a different range of investments than would normally be found in a UK pension planning structure.

Pryce Warner International Group will work with you in conjunction with your Expatriate clients to deliver the best QROPS solutions.

For example, Guernsey allows assets to grow free of Guernsey tax and all benefits paid on drawdown or death are paid free of Guernsey tax (if not resident for tax purposes in Bailiwick of Guernsey or Jersey).

For further information contact David Harra at dharra@prycewarner.com

Monaco office: +377 97 97 29 22

UK IFAs Audio Slideshow

QNUPS HMRC Scheme Benefits

QNUPS HMRC Scheme benefits:

» There is no upper limit on how much you can contribute into a QNUPS; this may be of particular interest to higher rate taxpayers » Flexibility to be structured in such a way as to avoid local tax liability dependent upon residency » Investment potential irrespective of age » You can continue to invest even after you have retired » Potentially avoids local inheritance tax and forced heirship laws, giving you complete control over how you wish to disseminate your estate » Available to UK resident/domicile and non-resident members » Plan proceeds paid out gross and not liable to Guernsey Tax* or UK Inheritance Tax whether UK domicile or deemed UK domicile » Discretion over distribution of residual fund upon death of member » Assets held in plan grow free of taxation-except for withholding taxes » There is a greater flexibility on paying into a scheme » You do not need to receive an income directly from employment to allow you to make a contribution *Unless you become a Guernsey resident tax payer

Do not hesitate to contact us if you have any queries.

QNUPS Providers List

Pryce Warner International Group are amongst the leading QNUPS providers on any QNUPS providers list and we primarily offer QNUPS in Guernsey, though our QNUPS are available in several jurisdictions, all of which are fully approved by HMRC.

Overseas pensions are not suitable for everyone, especially if you only plan to be overseas for a short period of time and intend to return to the UK before you retire. It is highly important that you seek independent financial advice regarding your options from one our fully qualified financial advisers before making a decision.

We offer a free initial consultation, so, if an overseas pension is not suitable for you, there will be no fee.

The principle benefits of a Pryce Warner International QNUPS are;

» Plan benefits are paid gross » Greater flexibility on drawing benefits » No limit on amount you can put into the scheme » Not subject to UK based inheritance tax » Can be structured so as to avoid local IHT » Considerable flexibility on the type and value of assets that can be transferred into the scheme » Over 40 years experience » Bespoke service based on your needs

QNUPS Guide

Our handy QNUPS guide tells you everything you need to know about setting up a QNUPS, so if you want to find out more and whether or not a QNUPS could help you, enter your details below to receive one of our FREE guides.

All information collected will be held in the strictest confidence and is transferred through our secure server.  Under no circumstances will your details be passed onto a third party.

QNUPS Legislation & Procedures

A brief overview of QNUPS Legislation & Procedures

» Client QNUPS enquiry sent to QNUPS providers, Pryce Warner International Group. » Pryce Warner International Group contact client and send letter of authority (LOA) for signature by client. » Clients send LOA to Pryce Warner by Email or Fax with original to follow. » Pryce Warner International Group then make a detailed review of the clients assets & prepare a detailed proposal for the client. » On the acceptance of the proposal the assets are moved to the QNUPS structure & managed by Pryce Warner International Group.  

QNUPS Pension FAQs

QNUPS Overseas Pension FAQs (and Vs. QROPS):

What Assets can be transferred into a QNUPS?
QNUPS are notably flexible in terms of asset transfer. Anything from shares, investments, property, works of art and even cash can be transferred to a QNUPS.

How will a QNUPS affect my retirement?
It is possible to retire at 55 with the requirement that you start drawing an annuity or drawdown before the age of 75. There are many ways this income can be taken as long as 70% of the fund is available for income. You can continue to contribute assets over the age of 75.

Do I have to Pay IHT on a QNUPS?
QNUPS are based outside the U.K. and as long as you meet the qualifying criteria, you do not need to pay any UK based IHT on a QNUPS.

Is there a limit to QNUPS contributions?
No, you are free to contribute as much as you are able to into a QNUPS. There is no maximum nor minimum limit for contributions to a QNUPS.

What are the investment benefits?
QNUPS fund managers have more freedom than those of other pension schemes due to breadth of assets QNUPS allow. This in turn allows a broader range of investment opportunities to arise form a QNUPS.

Are QNUPS available worldwide?
Yes, with some reservations depending upon personal circumstances & certain geographic locations.

Education Funding Plans FAQs

The Education Funding Plans FAQs we most commonly receive;

1. Which jurisdiction will the education fund be set up in?

2. Can I transfer an existing UK based plan to an overseas one?

3. Who manages the fund?

4. How secure is the fund?

5. What happens if I move country?

6. How can I be sure that all my information and financial details are handled securely?

7. What age should my children be when I start planning?

 

1. Which jurisdiction will the education fund be set up in?

Pryce Warner International Group education funds are available in several jurisdictions all of which are fully approved by Her Majesty’s Revenue & Customs (HMRC) requirements, these being Guernsey & The Isle of Man. Both of these locations are strictly regulated and provide our clients with well regulated jurisdictions and tax efficient solutions.

2. Can i transfer an existing UK based fund to an overseas one?

Yes, our plans are highly flexible and it will be possible to transfer funds from an existing one to a new international one.  In some cases this may require a letter of authority (LOA) from your existing provider.

3. Who manages the fund?

Pryce Warner International Group's fund managers select the underlying investment funds for each client portfolio. Each fund chosen has a long term proven quality track record of growth. Each fund within the portfolio has a dedicated fund manager of the specific fund selected. These experts research the companies that comprise the investment fund, to ensure that they offer excellent potential for growth. They alter the composition of the fund, by buying and selling the individual holding to maximise the return.

4. How secure is the fund?

Pryce Warner International Group select funds and investment products for clients which are subject to the closest and most stringent standards and in many cases are subject to investor protection structures which ensure that investments are protected against corporate failure and fund mismanagement. Portfolio Values will reflect changes in the underlying value of the investments within the portfolio.

5. What happens if I move country? 


Should you move, we would still expect to keep in contact with you through the normal methods of communication, including fax and e-mail. Using the Internet you may view your unit statements and other account information, review market summaries, contact your consultant via email and access information related to financial and investment markets.  In terms of the fund itself, as this will be based outside your country of residence it will not be directly affected by moving to a new country.

6. How can I be sure that all my information and financial details are handled securely?


With over 40 years experience in handling expat financial planning, we deeply understand how important it is to handle client's information with the utmost care and confidence. This is why all your information is stored in our secure database and is only accessible by you and your advisor.

7. What age should my children be when I start planning?

Though a plan can be started at any time, it is best to start as early as possible.  With tuition fees continuing to rise it is best to be prepared for whatever changes in tuition fees may happen in the future.

Education Fund Benefits

Education fund planning has one principal benefit: ensuring that you are able to provide the best possible education for your children.

With education fees becoming higher and competition for school places becoming much harder, it is more important than ever to ensure that you have enough squirrelled away to provide the best possible education for your child's ability. It is common practice to set up a simple savings account, but often there are many benefits to setting up a more comprehensive scheme, such as;

» Greater flexibility to input funds » Reduced tax burden » Higher rates of return than savings accounts » Global and currency diversified funds that protect against currency fluctuations » Broader range of investment opportunities

Education Fees Tax Deduction

It is occasionally possible to get an education fee tax deduction, though this will always depend on indivuduals particular circumstances.

For more details and to find out if this may be possible for you, please feel free to download our courtesy guide or don't hesitate to contact us.

EFA Education Fees & Awards

EFA education fees and awards are new forms a financial support for education fees being introduced by the EFA (Education Funding Agency).  The EFA is a new government body in the UK that aims to take over the rubric of the Partnership For Schools (PFS) along with the Department for Education.

It is expected that the transfer of responsibilities will take place in April 2012.  The Education Funding Agency will take over responsibility from the Young People’s Learning Agency for the funding of young people’s education and training.  This means that some Expats may be able to apply for support with education fees if their children are attending school or university in the UK.

Though it may be possible to get a bursary for school fees, it is always best to have a back-up plan in case you are unable to obtain them or the bursary only covers some of the cost.  It is also necessary to provide living costs as well as fees for education, which is something bursaries do not often provide.  This means a secure education fee fund will always be highly useful when planning your child's tuition, as it provides a safety net and resource pool should other forms of funding ultimately not be available.

Education Fund Guide

 under construction

Deposit Rates

We believe that selected equity markets represent very good value, particularly for investors who are seeking long term income.  The rates of return being achieved on cash deposits are currently standing at historic lows.  This is of great concern to savers and investors.

We are able to advise you on the best interest rates available in British pounds and Euros, here are some current examples;

 

Currency	Term	Deposit Amount	Rate	Deposit Amount	Rate
Sterling	1yr	£50 000	3.50%	£100 000 +	3.75%
	2yrs	£50 000	3.75%	£100 000 +	3.95%
	3yrs	£50 000	3.90%	£100 000 +	4.00%
Euro	1yr	€50 000	3.30%	€100 000 +	3.40%
	2yrs	€50 000	3.45%	€100 000 +	3.70%
	3yrs	€50 000	3.65%	€100 000 +	3.90%

If investment capital is not being held tax efficiently, then it may be possible to restructure your holdings to ensure that you enjoy better returns on your investment and reduce the taxable amount. It may well prove advantageous to review your present strategies and investments with the objective of greater protection and diversification and where possible, enhanced income.

Multi-Currency Investment Account

Multi-Currency Investment Accounts can be denominated in a single currency of your choice. Within the account your holdings will also be globally and currency diversified, meaning you can withdraw assets from the account in the currency of your choice. This also provides a much higher level of protection against currency movements than traditional investment accounts.

Historically, the long term performance of our Multi-Currency Investment Accounts has enabled clients to withdraw regular income considerably in excess of bank deposits whilst also allowing the account value to appreciate at a mich higher rate.

Please note that this account requires a minimum investment of £85 000 (€100 000 or $135 000)

The principal benefits of a Pryce Warner International Group Multi-Currency Investment Account are:

» Monthly, quarterly or specified peroid withdrawals from your account » Distribution in the currency of your choice » Complete confidentiality and complete liquidity » Your portfolio will be managed by professional managers with over 40 years experience » Access to Global Funds & Fund managers » Assets held within an insurance policy wrapper giving 101% death benefit of account assets » Assets are held by a third party custodian » Flexibility to monitor and change the underlying investments as and when required » Portfolio can be monitored 24 hours per day 7 days per week online » International portability » Mimise your tax burden » Designate the beneficiaries of your choice

Portfolio Performance

Pryce Warner lnternational Group Portfolio Performances (as at 31st December 2011).
Performances are shown in % annual compound rates of growth.


Pryce Warner lnternational Growth Portfolio

This Portfolio is a Multi-Currency Globally Diversified Equity Portfolio providing comprehensive access to markets around the world & provides a suitable structure for investors requiring regular income provision.


Pryce Warner lnternational Growth & lncome Portfolio

This Portfolio is a Multi-Currenry Globally Diversified Equity Portfolio providing comprehensive access to markets around the world whilst at the same time providing added focus for the regular income needs of investors.


Pryce Warner lnternational Bond & lncome Portfolio

This Portfolio is a Multi-Currency Globally Diversified Portfolio providing comprehensive access to Bond & lncome Producing lnvestments around the world whilst at the same time providing for the regular income needs of investors.


Pryce Warner lnternational Property & lncome Portfolio

This Portfolio is a Multi-Currency Globally Diversified Property Portfolio providing comprehensive access to property markets around the world. The portfolio allows complete liquidity whilst at the same time accessing & investing in the global property markets in a diversified & balanced manner.

Wealth Accumulation

Build Your Wealth

Financial security means different things to different people. What does it mean to you?

» Enough money to pursue your dreams? » Paying for your children's college education? » Paying for a wedding, family trips or a vacation home? » Early retirement? Or even a retirement with the same lifestyle or better than you currently have? » Being able to leave a legacy to your heirs or favourite charity? Whatever financial security means to you, it begins with a plan for accumulating wealth. The longer you wait, the harder it will be to find the money you'll need to set aside to meet your goals for wealth accumulation.

Wealth Accumulation Strategies

Start with the two fundamental principles for a successful wealth accumulation program

Save at least 10% of your earnings, consistently and throughout your earning years.

» Examine your spending. Write down everything you spend for one month. Where can you cut back? » Reduce your debt. You can save hundreds, even thousands of £’s/Euros/Dollars in interest every year by consolidating debt and paying off high-interest debt as soon as you can. » Pay yourself first. Save or invest at least 10% of your earnings each month. Develop a sound investment strategy and stick to it over the long term.

» Determine your long-term investment goals. Where do you want to be 10, 20, or even 30 years from now? » Determine your time horizon. How much time does your money have to grow before you will need it? Don't forget to factor in the impact of inflation. » Assess your risk tolerance. Are you willing to ride out fluctuations in the value of your investments in order to achieve higher long-term returns? Or do you need to see regular and steady growth, with perhaps less fluctuation in return? » Diversify your money among different kinds of investments, a process known as asset allocation. » Invest regularly through a process known as investment cost averaging. The idea is to invest a constant amount at regular intervals. By doing so, you even out the cost of your investments over time.

Private Investment Banking

Pryce Warner International Group provide a range of professional private investment banking services from offshore banking and funds to offshore company formations and multi-currency accounts.

Offshore banking is the setting up of personal and business bank accounts located outside the country of residence of the depositor, typically in a lower tax jurisdiction. Though offshore services often have a reputation for dubious financial activities and tax avoidance, in reality they are completely legal and highly effective ways of protecting and growing your assets.

Some of the key benefits of offshore banking are:

» Banking services that may not be available from domestic banks such as anonymous bank accounts that enable enhanced client privacy. » Some offshore banks operate from a lower cost base. » Interest paid by offshore banks is often credited without tax being deducted. » As part of our offshore banking services we are able to offer a comprehensive and competitive currency exchange service in all major currencies. We also offer multi-currency investment accounts that can be denominated in a currency of your choice. This is because the account holdings will be globally and currency diversified, meaning that you have the capacity to withdraw monies from the account in the currency of your choice. This also offers a significant level of protection against currency fluctuations.

You will also be able to monitor your portfolio online 24 hours a day, 7 days a week.

Historically, long-term performance has allowed clients to take regular income withdrawal considerably in excess of bank deposits whilst also allowing account value to continue in appreciation.

Please not that this account will require a minimum investment of £50,000.00 or €80,000.00

We have over 40 years international finance experience and would be more than happy to assist you in setting up your personal (or business) flexible, stable and confidential, offshore bank account.

For additional details or to speak to an advisor today, please use one of the contact forms on the right-hand side of the page.

Private Banking Audio Slideshow

Questions Investors Should Ask Themselves

Experience has shown us that many savers & investors often do not plan their savings and investment needs as well as they could do.

Here are some pointers & some questions that you should ask yourself.

» Are my investments protected in the event of financial failure of my bank, broker or financial institution » Each calender quarter, what are the value of my investments » Each year what are the value of my investments? » What is the annual compound rate of growth of my investments over 1-3-5-10 yrs? » Are they globally diversified? » Do I have a balanced portfolio of investments? » Do I have enough cash content to serve my need for the next 6-12 months? » Are my investments invested in the appropriate currency for my living needs? » Is there a way that I can reduce my exposure to currency fluctuations? » Is there a way that I can produce more monthly income without reducing the value of my investments? » Have I maximised tax planning for yearly requirements? » Have I structured my investments to minimise taxes on my assets regarding inheritance considerations? » Can I move my UK-SIPP's & Pension Plan Assets to a structure that will better serve my needs-QROPS-HMRC Approved? » Does my present plan really work-see question 3 & 4? » Can I view the value of my investments 24/7 online? » Does my Financial Advisor review my needs on an ongoing basis-at least twice per year? The above questions are extremely important in assessing whether your current actions are meeting your needs.

Investment FAQ

1. Who manages my investments ?
Pryce Warner International Group's portfolio managers select the underlying investment funds for each client portfolio. Each fund used has a long term proven top quality track record of growth. Each fund within the portfolio has a dedicated fund manager of the specific investment fund selected. These experts research the companies that comprise the investment fund, to ensure that they offer excellent potential for growth. They alter the composition of the fund, by buying and selling the individual holding to maximise the return.

2. How do I receive the benefits from my investment ?
In the case of regular withdrawals, we arrange for the amount required to be transferred to the bank account of your choice anywhere in the world. This also applies for any partial or total lump sum amounts you may wish to encash.

3. How secure is my investment ?
Pryce Warner International Group select funds and investment products for clients which are subject to the closest and most stringent standards and in many cases are subject to investor protection structures which ensure that investments are protected against corporate failure and fund mismanagement. portfolio values will reflect changes in the underlying value of the investments within the portfolio.

4. How do I send my funds to the relevant investment company?
All client investment monies go directly to the institutions selected. For capital investments, transferring the funds by telegraphic transfer is the easiest option. Otherwise a bankers draft is acceptable. For regular investments, a bankers standing order is the most popular, though in many cases investment companies are able to collect contributions by credit card.

5. Can I contact the relevant investment companies directly myself ?
Yes of course. All companies issue an account number to every client, and full contact details are supplied with the investment schedule. You may contact them directly. Though our clients generally prefer us to assist with any administrative procedures.

6. What happens if I move?
Should you move, we would still expect to keep in contact with you through the normal methods of communication, including fax and e-mail. Using the Internet you may view your unit statements and other account information, review market summaries, contact your consultant via email and access information related to financial and investment markets.

7. How am I able to obtain this comprehensive advice and ongoing support without being charged by Pryce Warner International Group?
Many international investment and insurance companies, banks and capital management companies do not have the marketing and sales forces in place to visit prospective clients, with a view to presenting their products and services. Also many are not allowed to offer advice. Consequently, they offer remuneration to independent financial brokerages when their products are used. In this way we are able to provide comprehensive, unbiased advice without charging planning fees. We are paid directly by the financial institutions with whom we place business. These fee schedules are clearly shown for each and every investment used.

8. Can I view my investments Online to Monitor Performance?
Yes, clients can view their investment portfolios 24/7 online.

Currency Services

We are able to offer a comprehensive & competitive currency exchange service in all major currencies. In a majority of cases we will be able to save you money on your currency exchange requirements.

Tax Planning Guide

Tax Planning Advice

We offer a range of tax planning advice services based around your individual needs as well as where you are based in the world.  The level of service is completely up to you, you can either rely on us for regular helpful advice, let us manage everything for you or just have us help out if you get in a bit too over your head.

Our adivce is always on a one-to-one, case-by-case basis.  Everyone has different needs and circumstances and our experienced advisors have over 40 years experience dealing with many different clients.  To find out how we can help you, don't hesitate to contact one of our advisors for a no-obligation consultation.

Tax Planning Schemes

There are a variety of tax planning schemes that Expats can enjoy to help them reduce their tax burden.  These range from a variety of trusts and foundations, to setting up offshore accounts, to carefully managing the jurisdictions under which your portfolio of assets falls under.

Many Expats hold various assets in a variety of countries and this can make tax planning more complicated.  Often people find it complicated enough dealing with one tax authority, let alone two or three.  For this reason it can be extremely helpful to consult proffesional tax planning advisors, as often they will have a high level of experience dealing with tax authorities in several countries.

We offer many avenues for individuals to reduce their tax burden, however which are available to you will vary greatly depending on your circumstances and also your country of residence.  To discuss which options are available to you, please don't hesitate to speak to one of our advisors.

Trusts & Foundations

The received wisdom is that trusts and foundations are complicated structures. In reality, when thoughtfully applied trusts can help protect your assets, minimise UK inheritance tax and provide the comfort of knowing that your wealth is being efficiently distributed according to your wishes all with the minimum of fuss.

Pryce Warner International Group has a wealth of knowledge and experience to help grow, protect and distribute your financial assets. Our range of Trusts are designed to be easy to understand and require the minimum of documentation and administration. When considering the substantial benefits and peace of mind that it can bring, the short time it takes to set up a Trust could very well prove to be time spent wisely.

Expat Tax FAQs

Below are some of the Expat tax FAQs we receive, but if there is anything you are unsure about or if you have a questions not covered below, please don't hesitate to contact us.

1. Which country do I pay income tax in?
2. Do I have to pay tax in the U.K. and the country I work in?
3. Will I have to Pay National Insurance contributions when working abroad?
4. Will I still be eligible for tax credits in the U.K.?
5. When will I need to submit a tax return?
6. Will I get a better tax rate if I open a new bank account in the country I move to?
7. In which country will I pay tax on my pension?
8. Why Pryce Warner?
9. What are the benefits of tax planning?
10. Isn't tax planning highly complicated?
11. How does being an expat effect my tax planning options?
12. Who handles my tax planning?
13. How can I be sure that all my information and finances will be handled securely?

1. Which country do I pay income tax?
A. If you will be living and working abroad for more than six months you will be obliged to pay income tax in the country you are moving to.

2. Will I have to pay tax in the U.K. and the country I work in?
A. No, the U.K. has special double taxation agreements with all E.U. countries and many others to ensure that this does not happen.

3. Will I still have to pay National insurance contributions when working abroad?
A. No

4. Will I still be eligible for tax credits in the U.K.?
A. No, but Pryce Warner can ensure that any similar tax credit systems in other countries are taken advantage of.

5. When will I need to submit a tax return?
A. This will vary depending on the country you are moving to. Most European countries have their end of the tax year correspond with the calendar year. For countries outside the E.U. we can advise as appropriate. Simply call one of our advisors for more details.

6. Will I get a better tax rate if I open a new bank account in the country I move to?
A. No, but having a bank account in the country you move to will mean that you do not lose out on currency exchange fees during bank transfers.

7. In which country will I pay my pension and the associated tax?
A. Your pension should remain in the UK and pension contributions will be taxed according to UK rates. However, if you are planning on living abroad for a very long period of time or retiring abroad, it is possible to move your pension and get a better tax rate.

8. Why Pryce Warner?
A. In addition to tax planning solutions Pryce Warner also offers investment services, estate planning, will writing and pension planning. As all of these services tie in closely to overall tax planning, we believe it is in the interest of clients to have all of their assets managed under one roof. This way, you can more easily keep track of how your various assets and incomes affect each other, as well as get more comprehensive feedback and advice on how to best plan for your future.

9. What are the benefits of tax planning?
A. Proper tax planning is vital to your financial wellbeing for a number of reasons. The main benefit is ensuring that you are paying the correct amount of tax and that you are getting all the returns and breaks you are entitled to. As tax planning also effects your pension, the long term benefits are greater financial security and confidence that your assets are working for you in the most effective manner possible. If your tax affairs are not handled properly, you risk being audited or owing large sums of money in unpaid tax. With over 30 years experience, Pryce Warner International are able to ensure that this never happens.

10. Isn’t tax planning highly complicated?
A. When moving to live and work overseas, the tax procedures in a new country can seem overwhelming at first. However, with the right guidance and support, you will find that navigating an alien tax system can be relatively easy and stress-free. Pryce Warner International presently have clients all over the world. This has provided us with invaluable experience when dealing with tax systems the world over. With our expert knowledge you will be able to achieve full compliance and good retention, all completely stress-free.

11. How does being an expat affect my tax planning options?
A. Being an expat means that you will have to pay income tax in the country you now work, and you will lose any tax credits or breaks that you received in your previous country of residence. However, many countries will have myriad tax credits and savings that you will be able to take advantage of. Pryce Warner are here to make sure you are able to claim everything you are entitled to.

12. Who handles my tax planning?
A. Your tax planning would be handled by one of our expert personal advisors. See our contact section for details on how to speak to one today.

13. How can I be sure that all my information and finances will be handled securely?
A. With over 40 years of experience in handling expat financial planning, we deeply understand how important it is to handle client's information with the utmost care and confidence. This is why all your information is stored in our secure database and is only accessible by you and your advisor.

Tax Planning Procedures

Whatever tax planning solutions you require; whether it be reducing expat income tax or capital gains tax, Pryce Warner can help you. We recognise how difficult it can be for expatriates to manage the various demands of settling in a new country and re-organising your finances. In order to help make your transition abroad as easy as possible, we offer a range of services of which you are free to determine your level of involvement.

Pryce Warner International Group’s Tax Planning Services

Income Tax
This is a tax on most UK income (for most non UK residents) and on worldwide income (from most UK residents).

Capital Gains Tax
This is a tax on profits or gains made on the disposal of assets. There are exceptions and qualifications to Capital Gains Tax, for example, no tax is payable on any gain on the sale of a person's home as long as it is their main residence.

Inheritance Tax
Inheritance Tax is payable on your estate if it exceeds the threshold or nil rate. These rates have been modified (March 2011) contact us to review your position.

Wealth Tax (France & other European Countries)
This is an increasingly important area for expatriates becoming resident in their new country of choice. Please contact us & we will review your personal situation with you.

An Overview of Our Process

» Client enquiry sent to Pryce Warner. » Contact you to discuss your needs and long term planning goals. » Based on the country you are resident/domiciled in, discuss what tax arrangements need to made to suit your needs. » Determine your level of involvement in the long term tax planning and asset management process; we are more than happy for people to be heavily involved or let us do the work you. » If you already have any services set up relating to overseas tax planning we will arrange for an LEA (letter of authority) to be sent to you so that you Pryce Warner is able to help manage your affairs. » Help you through all the relevant assessment forms and tax enquiries, providing helping advice and solutions along the way. » Keep you up to date on all the latest news and developments through our newsletters, facebook page, twitter and the prycewarner.com news feed.

Inheritance Tax

Inheritance tax planning is one of the most important aspects of setting up a will and planning your estate.  If not carefully considered an unnecessarily large proportion of your legacy may end up being absorbed by inheritance tax.

Careful preparation can ensure that everything in your will can be passed on to the beneficiaries of your choosing without losing too much through inheritance tax.

Different countries have different laws, which means people who have assets in more than one country need to set up plans so that they are covered fully and understand which laws will apply to them.

We have over 40 years experience protecting legacies, and with hundreds of consultants around the world, we are easily able to advise the best course of action to take regardless of your country of residence.

Estate Planning FAQS

Below are some of the most frequently asked Estate Planning questions we receive, however, if you are unsure about anything specific or related to estate planning please do not hesitate to contact us.

1. In which country will I pay inheritance tax?
2. What constitutes my estate?
3. Do I have to list everything that I own in my estate?
4. What's the difference between and executor and a trustee?
5. Do I have to appoint a solicitor or bank as my trustees?
6. Does it matter if my executors live abroad?
7. Is there a limit to how many executors I can choose?
8. What is required of an executor?
9. What will happen if I die without a will?
10. How will having a life insurance policy impact my estate planning and will it be taxed?
11. How can a will protect my children?
12. How can I ensure my disabled child is protected?
13. What is joint tenancy?
14. If my marital status or partner changes, how can I change the ownership of my property?
15. Who manages my will writing process?
16. Am I free to change my will at a later date if my circumstances change?
 

1. In which country will I pay inheritance tax?
If you are British but no longer resident in the U.K. and you own property in the UK and/or abroad i.e. U.K. domiciled, the British tax man will be entitled to claim inheritance tax (IHT) on your worldwide assets. The current rate of IHT is 40% if your estate is worth over £325 000 (double for married couples). However, Pryce Warner offer various estate planning solutions that will help you minimise IHT and in come cases circumvent it entirely.

2. What constitutes my estate?
Property and everything you own minus any outstanding debts or money owed (mortgages) will be considered your estate. There are many complicated exemptions and inclusions that will depend on your circumstances. Contact one of our advisors for more information.

3. Do I have to list everything that I own in my estate?
No, only specific objects, collections or even amounts of money you want to go to particular people, or items/collections that are especially valuable.

4. What's the difference between an Executor and a Trustee?
The trustee is the person responsible for making the decisions that maintain the estate whilst it is held on trust before it is given to the beneficiaries. The executor is the person that carries out the wishes of the trustees during this period.

5. Do I have to appoint a Solicitor or Bank as my Trustees?
Anyone can be a trustee. However it is likely that when your estate is going through probate you will require some professional assistance. For this reason we recommend your will includes a clause that empowers your trustee to hire any professionals not previously nominated (If the appointed trustee is not a professional).

6. Does it matter if my Executors live abroad?
No, but for practical reasons it is best to appoint an executor(s) that reside in the same country as you.

7. Is there a limit to how many Executors can I choose?
You are allowed to appoint as many executors as you wish, but the law only allows four to act at the same time.

8. What is required of an executor?
The main role of an Executor is to carry out the wishes of the testator's estate. For more details please contact one of our advisors.

9. What will happen if I die without a will?
In this instance your family would need to choose a representative to approach probate, obtain and grant of letters of administration and ensure someone is appointed as the administrator for your estate. Your estate would then be distributed under the rules intestacy, which are very strict.

In this instance the law would not consider any wishes the deceased may have had, even if those wishes appeared obvious or were written down other than in a properly executed will. In fact, even an incorrectly executed will can be interpreted as constituting that the deceased had changed his/her mind as to whom the beneficiaries should be.

10. How will having a life insurance policy impact my estate planning and will it be taxed?
Life insurance/assurance falls outside of your estate and is not eligible for IHT. These types of policies can often be a good way to provide liquidity to pay for IHT and other expenses your beneficiaries may incur.

11. How can a Will protect my children?
In cases where both parents die before the children reach 18 and no will was left the courts will issue an order as to who will have custody of your children and how your assets should be invested. If you have children under 18 there are two provisions you can make if you wish that they be in control of your affairs.

The first is to nominate who you want to act as their legal guardians. The law stipulates that only one person need be nominated but it is common to appoint two, either grandparents or friends who are partners. You have the option to decide whether they will be jointly responsible or if you want one to be the first choice and the second a reserve.

The second part is to appoint a trustee(s) to manage your assets for the benefit of the children should both parents die before they reach age 18. For the sake of simplicity it is best to appoint a guardian as the trustee.

The trust created in the will should grant powers to the trustees to manage the funds for the benefit of the children the same way you would wish if you were still alive. This can include payments for items such as schooling and the provision of housing. It also may be necessary to make provisions for financial support of the guardians.

If you have young children it is highly important to consider these options and seek further advice, otherwise all arrangements will be dictated by the courts.

12. How can I ensure my disabled child is protected?
This matter is highly complex and therefore it is best to contact an advisor directly. The best option will vary according to many factors, not least the exact nature of the disability.

13. What is joint tenancy?
A joint tenancy means all parties that have signed the agreement own the property jointly and upon death the property automatically transfers to the surviving parties. What this usually means is that upon the death of one partner the family home purchased jointly will transfer to the surviving partner.

14. If my marital status or partner changes, how can I change the ownership of my property?
Switching ownership from joint tenancy to tenants in common requires a notice of severance of joint tenancy and needs to be signed by all parties.

In cases where a property is registered under only one partner of a couple, the property will need to be transferred into both names before the above can take place. This is a fairly simple transaction with only minimal costs compared to the long-term benefits.

15. Who manages my will writing process?
We appreciate that the process of setting up one's estate can be highly personal. For this reason we like to provide a one-to-one service so that you feel as confident as possible that your wishes will be carried out to the letter.

16. Am I free to change my will at a later date if my circumstances change?
Unfortunately it is not possible to amend or change a will once it has been approved. If your circumstances change and you wish to re-write your will you need to cancel the existing one and then create a new one with the relevant changes.

Wills & Estate Planning Procedures

Estate Planning is the process by which an individual or family arranges the transfer of assets in anticipation of death. An estate plan aims to preserve the maximum amount of wealth possible for the intended beneficiaries as well as provide flexibility for the individual prior to death.

Wills and trusts are common ways in which individuals dispose of their wealth.

Trusts, unlike wills, have the benefit of avoiding probate, a lengthy and costly legal process that oversees the transfer of assets.

Sometimes, it is possible to make inter vivos gifts (gifts made while the donor is alive) in order to minimise taxes.

Planned estate and inheritance planning will allow you to preserve your assets and distribute them in the manner that you wish whilst at the same time minimising taxes.

The broad procedure of our will and estate services are outlined below.

» Client makes an enquiry to Pryce Warner » We will then contact you and discuss your planning goals and which country you plan to retire in so we can find the best combination of services for you. » If you already have any services set up relating to wills or estates we will arrange for an LEA (letter of authority) to be sent to you so that you Pryce Warner is able to manage your estate. » Client decides on trustees and executors. » Client comes in for a meeting to arrange and sign documentation. » Pryce Warner will then ensure that all the necessary finalisations are in order, so you can enjoy peace of mind.

Moving Overseas Checklist

Moving overseas presents a series of great challenges and opportunities, but with careful planning, the opportunities will easily outweigh the challenges. Please use this checklist to highlight some of the often overlooked tasks.

International moving is by its very nature complex and costly but careful planning can ensure that costs do not spiral out of control and that any new investment opportunities that may be available to you are taken advantage of.

One of the most vital aspects of leaving the UK is ensuring that you are no longer considered resident in the UK for tax purposes. Prior to leaving you need to ensure that all tax refunds you are entitled to are claimed, something our financial advisors can help you with.

Another key decision is whether to sell or rent any property you may own in the UK. Both options have benefits and drawbacks so it will take careful consideration of your circumstances to make the right decision for you.

One of the principal benefits of becoming an Expat is the opportunity to set up offshore savings and investments. These can prove to be highly beneficial and can help ensure that any expenses incurred during the process of moving do not prove to be too overwhelming. Along with this comes new ways to arrange your pension scheme, as Expats can benefit from specific pension services that are often much more secure than traditional ones.

Overseas Moving Experiences:

When leaving the UK, there are many financial and personal elements that you will need to review. Here are some things to remember that have helped our staff when returning to the UK in the past:

» Bank Account » Set up a bank account in the country that you are moving to before arrival rather than doing that when you arrive. » Schooling » Research potential schools before hand and if possible, time your move over the summer holidays. » Housing » Consider renting in the short-term as you get to know your new area, it will also give you more time and flexibility to find a local house that you really want to buy. » Register » with a local doctor and dentist » Register » with the local council for council tax and local elections » Your Credit Rating » Depending on where you live evidence of you UK credit ratings will prove helpful in your chosen location. » Medical » Within the European Union you will be able to “transfer in” to the medical system of your chosen country but in many countries you will need to buy a comprehensive health insurance if this is not supplied by an employer. » Insurance » Ensure your contents and home insurance covers you in your new address

Moving To The UK

Whether returning to the UK or moving there for the first time, always make sure that you review your finances before doing so. It can also be easy to under-estimate the cost of moving or overlook some element of the process of becoming resident for tax purposes. In order to ensure total peace of mind, we recommend that individuals begin this process at least 18 months prior to relocating.

As an Expat certain benefits will be available to you when you move to the UK. One of these is that you should be able to reduce your income and Capital Gains Tax before your return to the UK. This forms a part of one of the most crucial aspects of relocating to the UK, ensuring that you are fully resident under the UK tax system.

Part of this process requires you to consider you financial situation and this may reveal some aspect in which it could be improved. Relocating to the UK offers ample opportunities to renew and improve your assets and portfolio. We have over 40 years experience helping Expats make the most of their finances so don’t hesitate to get in touch if you would like to hear how we can help you.

Moving to the UK Experiences:

When returning to the UK, there are many financial and personal elements that you will need to review. Here are some things to remember that have helped our staff when returning to the UK in the past:

» Bank Account » If you have never lived in the UK before it is best to set up a UK bank account before arriving in the UK rather than doing that when you arrive. » Schooling » Under the UK system children cannot be enrolled in school until they are physically in the country. This means you need to research potential schools before hand and if possible, time your move over the summer holidays. » Housing » Consider renting in the short-term as you get to know your new area, it will also give you more time and flexibility to find a local house that you really want to buy. » Register » with a local doctor and dentist. » Register »with the local council for council tax and local elections. » Your Credit Rating » In order to have a credit rating in the UK you need specific bank accounts, ones that you may not have if you have never lived in the UK before or have lived abroad for some time. As credit ratings are necessary to get phone lines, loans, mortgages and credit cards ensure you discuss credit ratings with your bank before you move. » Broadband » Those that work from home should be aware that it typically takes two weeks to set up an internet connection in the UK. For this reason you may need to research alternatives during that period or arrange the installation for the day you move in. » Insurance » Ensure your contents and home insurance covers you in your new address.

Overseas Healthcare

The first overseas healthcare issue in this brief guide is that any British expat will have to get to grips with is paying for medical treatment abroad. The U.K. is one of the few countries in the world where healthcare is provided free at the point of use. Other E.U. countries have a variety of systems, most of which require the patient to pay for medical bills that the government subsequently reimburses them for.

If you are moving to an E.U. country you can apply for an EHIC (European Health Insurance Card), which means you can expect the same access to healthcare as any citizen of the country you are in. However, these are really designed for tourists and short time visitors. It is important to remember that you are only allowed the same access that anyone else in the country is afforded. This does not necessarily mean that all treatments will always be free; dental care and consultations will usually have to be paid for.

If you are planning to move abroad for a long time it is best to research what health insurance programs are available as they may be more appropriate than short-term solutions like an EHIC card. Though the term “health insurance” can conjure up worrying scenarios of extortionate premiums, in most European countries this simply means that you are required to pay for healthcare at the point of use and the government reimburses you afterwards.

When moving abroad it can be easy to assume that healthcare overseas will be inferior to that in the U.K. or be worried that more complicated and advanced medical programs will not be available.

In reality the NHS ranks number 18 in the WHO’s list of the worlds best healthcare systems. So while it can be an ordeal to set up healthcare provision when living abroad, the end result is often a much better service.

Working Abroad

Working abroad can often be a fantastic opportunity. The chance to explore new parts of the world and develop your career at the same time is one that more and more people are seizing. Meeting new people, learning a new language and culture and of course, a better salary, are just some of the benefits of working outside the U.K.

Depending on who you work for, your working routine abroad may be little changed from what it was in the U.K. The majority of expats work as diplomats or for U.K./U.S. owned companies, meaning you will be working predominantly in English and with other British employees.

This may tempt you to socialise exclusively with other expats, especially during the initial adjustment period. But there is much to be gained from learning the local language and culture, and not only for social reasons, you’ll find that many new business contacts and opportunities open up to you if you are able to connect with the locals.

When planning on working abroad it is important to remember that you will pay tax in the country you will be working in. In Western Europe especially, you can expect to pay a higher rate of income tax than you would in the U.K., though this is often offset by the fact your company will usually pay for things like rent or your children's education fees.

Working abroad also gives you a choice with regards to your pension. While it is possible to retain a U.K. based pension while working abroad, choosing to transfer it over to your adopted home can yield a better tax rate and potentially help reduce you inheritance tax burden. However, this is only possible if you are planning on residing outside the U.K. for more than five years and is of course most appropriate for those considering retiring outside the U.K.

Retiring Abroad

If you're retiring abroad first & Foremost contact Pryce Warner International and allow us to Review with you Your Financial Options & Strategies. When you leave Your Country of Residence, usually Your Country of Birth, there are Actions & Strategies that You can use which can have a Significant Positive Effect on Your Financial Health & Future Financial Security.

Here is some General Advice which we hope will assist you :

» Network as much as possible, either by Internet or letters with those ex-pats that have already resided for a time in the area where you will be moving to. They will prove to be your most valuable source of information of do's and dont's, especially on what to bring and not bother buying and packing up to take to your new home. » As with most endeavours, organisation and staying organised 75% of the game and will help keep you focused and might just save your sanity in this process of getting all ready for the move. » Set your mind that this move is only temporary (even if it is for up to four years) not permanent and treat it like a big adventure, not a prison sentence. If you have the proper mindset then the transition will be that much easier to make. You just might have a wonderful surprise and find that you really love your new, temporary home and regret that you didn't move sooner! » Don't wait until the last minute to get ready for this move. As soon as you make the commitment to make the move, start making the master list of things to be done and things to be purchased for the move. » Don't take items of your present home with you that are of priceless value, but do take some personal items, such as personal photos of your family and a few favorite knickknacks that you have always liked to be part of your home. » When time allows in between getting ready for this great adventure read as much as possible about the culture and the people of the place you are moving to.

Expat Lifestyle

When first moving abroad, it is common for expats to feel a range of emotions. The chance to immerse oneself in a new country and culture is simultaneously exhilarating and daunting- a new lifestyle!

The initial adjustment period is often the most difficult. Leaving behind friends and family is always tough, however exciting the possibility of making new ones can be. In their first few months many expats will try to connect with the existing British community to form bonds as well as bank on their experience and advice.

Though this is certainly a good way to get settled and take care of the practical issues like finding a house, school and where to get a good curry, in the long term it is best to aim to get to know the local culture.

Learning the local language is the first and most frustrating step in this process. You may have never had any prior exposure to the local language, meaning even ordering food in a restaurant or navigating road signs can be difficult.

However challenging it may seem at first, the long-term benefits easily outweigh the drawbacks. The rewards are not only a better understanding and appreciation of the nuances of your adopted home, but also new friends and contacts. While you will often find a large expat community in any given country, especially based around British schools, it would be a shame to move to another country and try to vicariously live in the UK.

If you have or are planning to have children, choosing to send them to a local or British school can be a difficult decision. Most people prefer to stay abreast of developments in the UK education system and send their children to a Britsh school, thereby also ensuring a better chance of getting them into university. However the benefits of sending children, especially very young ones, to a local school are numerous. Not only does it allow you to better get to know people from the local community but it enables your children to develop deep-seated language skills that may prove invaluable later in life. A good compromise is to send them to a local school until they are around sixteen, then enroll them in a British school for GCSEs and A-Levels.

The expat lifestyle is often a strange hybrid between recreating or seeking out what you miss in the U.K. while trying to absorb as much of the local colour as possible. Who would want to miss out on cherry blossoms in Tokyo, Mediterranean beaches, Paris in the autumn or surfing and skiing in the same day in Sydney? But what would these things be without proper tea, pubs, the BBC or the premier league?

Once settled expats often find that they would prefer to remain and even retire in their adopted homes. The combination of strong ties to U.K. through the expat community, better career opportunities, lower house prices and a vibrant local culture often mean expats enjoy the best of both worlds.

Typical Expat

More and more people are choosing to leave the U.K to live and work abroad. There are roughly 5.5 million U.K. nationals now living overseas and the rate of emigration is increasing every year. In fact, there are now more British nationals living abroad than there are foreign-born people in the U.K.

The biggest reason people choose to emigrate is for better career opportunities, with the past few years in particular seeing an explosion in people choosing to leave for this reason.

Research from the IPPR shows that Britons living overseas ore predominantly young (25-35), educated to at least bachelors level and highly skilled. But this only just scratches the surface. Brits moving abroad range from diplomats moving their family to Brussels to young entrepreneurs moving to Hong Kong to builders and plumbers finding new opportunities in Eastern Europe.

Statistically, there may be a typical expat, but expats are anything but typical.

Our Management Team

David Retikin
Director of Operations
Provides a range of experience in the financial services industry that encompasses working with expatriates for more than twenty five years. David has lived in North America, Canada, the Middle East & South East Asia specifically dealing with the financial needs of expatriates throughout the world. He is also a member of the investment management team.


 

David Harra
Senior Market & Investment Analyst
David is a member of the investment management team with a comprehensive range of experience in asset management in financial services industry specifically in the needs of the expatriate community.


 

Melissa Burton
Investment Management Director
Administration & co-ordination of client accounts is very capably handled by Melissa. Her responsibilities also include the company seminar schedule in conjunction with our team of financial advisors.


 

Aneil Fatania CIOJ
Financial Editor
Aneil Fatania is a NCTJ qualified journalist and member of the CIOJ and has been widely published online. Having lived overseas as an Expat for many years himself, he has a strong passion for bringing vital news to what can be an overlooked audience.


 

Stephen Spelman ACIM
Director of Communications & Marketing
An associate and former guest speaker at the Chartered Institute of Marketing; Stephen has over 20 years marketing experience and has lived and worked as an expatriate in the Middle East and throughout South East Asia. Stephen brings a Total Quality Management philosophy to Pryce Warner, identifying the needs and excelling in the service provided to Pryce Warner’s clients.


 

Sarah Warner
Senior Executive Administrator
With a comprehensive background in the planning of wills, inheritance planning as well as international pension planning she is of great value to our Planning Staff in the minimisation of taxes & preservation of client assets.


 

Sarah Fielding
Manager of Client Services
Sarah has extensive experience in dealing with the needs and requirements of both our existing clients and the needs of expatriate new client enquirers. With a comprehensive background in the financial services as well as having lived as an expatriate herself her excellent range of skills and experience gives her a deep understanding of the needs of our clients and those individuals & corporations who are interested in becoming clients.
 

Anthony Standring
Social Media Manager & Financial Contributor
Social media has become an effective way for people to communicate with each other as well as with an ever growing range of businesses. Anthony is responsible for further developing our capacity to communicate with both new and existing clients, corporations and trusts through social media and timely news articles.


 

Jerome Laurent
Website Manager
Jerome Laurent is a valued and key member of our administration team. He has held various roles within the company including designer, programmer, database administrator and network administrator he is responsible for the administration of our website.


 
 

Linking to Pryce Warner International

We wish to nurture partnerships that network our joint resources for our mutual benefit and the benefit of the wider expat community. If you have any projects, events, campaigns or resources that would be of interest to our readers please do not hesitate to contact us and we will do our utmost to publicise it on the Pryce Warner Network. The easiest way to place a link on your website is to simply copy and paste this code wherever you would like the link to appear.

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ExpatsVillage

Expats Flock To Uruguay

The Uruguayan government is attempting to build an international community, causing many British Expats to head there already

London, UK (Pryce Warner International) May 18, 2012 – With affordable property prices, a European ambience and high standard of living, Uruguay is attracting more and more Expats.



Uruguay also has a government aiming to bring in more and more skilled foreign workers as well as entice nationals that have emigrated back home.  This is because the expanding economy is creating more jobs than can be filled by residents. 

Ratings agency Fitch recently upgraded its outlook on the Uruguayan economy stating that is had becoming increasingly diversified and supported high levels of foreign direct investment.

The majority of Expats are moving to Montevideo, the nation’s capital and home to half the country’s population of 7 million.  Other areas like Costa del Oro, Piriapolis and Punta del Este are also highly popular with Expats.

Bill Tickle, a British Expat who has retired to Uruguay, said: "There's a real sense of optimism here. People are working, they're getting ahead, and the international community is attracting that type of person, too. They see opportunity."
 

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By Aneil Fatania
Financial Editor
Pryce Warner International Group
For any corrections of factual information contained within our news items please contact our editor.
Email: af@prycewarner.com
Skype: newsdesk-pwi
Management Contacts
Telephone: U.K.- +44 20 3364 5016 or Monaco - +377 97 97 29 22
Subscribe to NEWS

Expat Divorce On The Rise In Dubai

The Dubai Statistics Centre has shown that since 2009 divorce rates have increased four fold

London, UK (Pryce Warner International) May 17, 2012 – In 2011, 445 Expats got divorced in Dubai, a four fold increase from two years previous.  The UAE has one of the highest divorce rates in the Muslin world.



Contributing factors included; the stress of relocating, being away from friends and family and the sense of isolation at being a dependent partner.

Briton April Hardy, a writer living in Dubai, commented: “Some wives don't or can't stay here all year round, for a multitude of reasons – kids still in school back home, elderly parents with health issues, homesickness, their own careers etc.  Lots of them come and go, leaving their husbands alone for weeks or months at a time."

Zoya Pasha, a British expat who works in PR in Dubai, commented: “The recession hit Dubai hard, and many people were laid off from work. Losing a job is obviously stressful and after getting used to a certain lifestyle in Dubai, it can be hard for people to live without necessities they have got used to.  Instead of seeing their time in Dubai as a wonderful opportunity to save for their families' futures, many people who came here before the credit crunch just fell into the habit of 'keeping up with the Joneses' where lifestyle is concerned, buying designer this and designer that."

She continued: “But then suddenly some were no longer in a position to pay it all back. Some did runners, some stayed and tried to work things out. But however people in these situations handled it, the stress can not have been good for any relationship."
 

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By Aneil Fatania
Financial Editor
Pryce Warner International Group
For any corrections of factual information contained within our news items please contact our editor.
Email: af@prycewarner.com
Skype: newsdesk-pwi
Management Contacts
Telephone: U.K.- +44 20 3364 5016 or Monaco - +377 97 97 29 22
Subscribe to NEWS

Angela Merkel Declares Possible Euro Exit for Greece

Impact on Stocks and Shares Amounts to Billions
 
London, UK (Pryce Warner International) May 16th, 2012- German chancellor Angela Merkel admitted that Greece may have no other option than to exit the Euro, which immediately affected, wiping billions from European stocks and shares and in particularly Greek banks whose shares fell by 7% in just one day. 



Merkel, who has been described as being the world’s most powerful woman and practical leader of the European finance sector, stated that Athens must adhere to the recently arranged bail-out terms made with Berlin and Brussels or effectively face being cut-off by Europe and excluded from the Euro which now, along with Greece, faces certain peril.

Never has the single currency faced such adversity, with its future hanging in the balance as French President Hollande and Merkel lead deliberation into the few options available, as Greek politicians continue to strive towards forming a coalition and Greece faces the likelihood of the seeing the Drachma return, civil war and gang domination.

A spokesperson for the European Commission commented on the situation:  “This is the best thing for Greece, for the Greek people and for Europe as a whole. Nothing has changed in our position; we want Greece to stay in the Euro, we think the Greek austerity programme is the best course for Greece."

Despite this display of confidence global stocks took a hit all around at the mention of a possible Euro exit for Greece.  It’s been over three years since the Euro fell to such a low level against the pound and the FTSE 100 reached its lowest level of 2012; the Dow Jones fell by 125 points and big name banks such as Barclays were also down by 5%.

Like most involved in the monetary marketplace, financial advisors and investment experts have been busily moving monies and investigating options in order to protect their client’s interests.  The economic climate of 2012 holds numerous challenges for investors and expats whom it seems could be made to suffer without expert advice.
 

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By Anthony Standring
Financial Contributor
Pryce Warner International Group
For any corrections of factual information contained within our news items please contact our editor.
Email: anthony.standring@prycewarner.com
Skype: newsdesk-pwi
Management Contacts
Telephone: U.K.- +44 20 3364 5016 or Monaco - +377 97 97 29 22
Subscribe to NEWS

Government Behest £24bn Buffer for Bankia

Shield against Bad Loans for Spanish Banks

London, UK (Pryce Warner International) – May 14th, 2012 - In an effort to repair and re-establish the damaged integrity incurred from defaulted loans and the ongoing effects of the Eurozone crisis, the Spanish Government has demanded that Spanish banks have a £24bn provision available in order to prevent or counteract any further debts; this follows their recent and relative demand for £47.5bn.



The order stipulates that banks must free up more funds or take out structured loans with a 10% interest rate from the Spanish government, who last week took command of a 45% share of Bankia as part of their determined drive to revive reduced confidence levels currently held by counterparts amidst the troubled economy.

The loans are specifically structured to incorporate property belonging to the banks, which is why self-regulating auditors are currently evaluating its value, as Spain could effectively come to partially own mortgage assets which may’ve otherwise gone unpaid following the recent collapse of a housing market boom affecting mainly small lenders.

The reforms, which negatively impacted Madrid’s stock market by 3%, come after the Bank of Spain deemed 60% of their real estate, loan and seized property assets worth £150bn to be problematic. Separate businesses will now handle some relative mortgages and rental property regulations are to be relaxed so as to afford banks the right to sell.

The European Commission expects Spain to miss its 2012 target budget of 5.3% by 1.1%, a deficit forecast to rise to 3.3% in 2013.  It’s thought that if Madrid can successfully re-structure their finance system, Spain will be given more time to meet the targets set by the European Commission. 

Expats already living in Spain or Brits planning to retire there should seek further guidance and advice from a proven, reputable and experienced financial advisor regarding their banking options overseas and the benefits of multi-currency investment in today’s unpredictable economic climate.
 

-------------------------------
By Anthony Standring
Financial Contributor
Pryce Warner International Group
For any corrections of factual information contained within our news items please contact our editor.
Email: anthony.standring@prycewarner.com
Skype: newsdesk-pwi
Management Contacts
Telephone: U.K.- +44 20 3364 5016 or Monaco - +377 97 97 29 22
Subscribe to NEWS

Majority of Expats Fear Euro Collapse

Report Reflects Varied Response to the Eurozone Crisis

London, UK (Pryce Warner International) May 11th, 2012-A recent expat survey commissioned by Barclays Wealth and Investment Management has returned some insightful results and whilst the key statistic revealed that 35% of poll takers felt confident about the Euros future, a closer look at the figures reveals a very different story.  However you choose to read into the results, one thing is clear and that’s the fact that expat opinions are generally split when it comes to their multi-currency investments, savings and the ongoing Eurozone crisis.



Over a quarter of those surveyed said they feared the collapse of the Euro and the affect it would have on their everyday spending habits and overall purchase power.  More than a fifth were concerned about the impact it could have on their savings back in their countries of origin. Finally, few stated that they’d already been hit quite hard by the Eurozone crisis and were generally agreed that the Euro and the monetary system it belongs to could well be fast approaching collapse.

More than a third of expats trust in the future of the Euro and believed in its stature, stating that its demise could never occur; fewer than 8% said that they could handle the situation should it ever become a reality, thanks to the availability of foreign exchange tools.  A smaller number of participants said that their empowered dollars or pounds would make the Euro collapse a welcome development and shared no real sense of regret for the troubled currency.

As with the expat community, the global finance sector has reacted to the Eurozone crisis with widely varying viewpoints. Whichever light is shed on the situation, it’s certainly not going not be resolved overnight.  Some early day fears which were labelled as paranoid have since come into fruition, so aspects such as safety and future stability shouldn’t be taken for granted.  The currency market of today holds no promises and anyone concerned should closely monitor their accounts.

During this unprecedented economic recession when things can undergo dramatic transformation from one day to the next, savers, investors and expats alike should always seek professional advice.  Reputable experts can offer advice, guidance and solutions for the numerous financial problems facing those involved in the Euro and the monetary marketplace as a whole and expedience is advised as slow reaction times really could cost you dearly.  
 

-------------------------------
By Anthony Standring
Financial Contributor
Pryce Warner International Group
For any corrections of factual information contained within our news items please contact our editor.
Email: anthony.standring@prycewarner.com
Skype: newsdesk-pwi
Management Contacts
Telephone: U.K.- +44 20 3364 5016 or Monaco - +377 97 97 29 22
Subscribe to NEWS

British Expats Fight for Indefinite Voting Rights

Campaign Calls on House of Commons

London, UK (Pryce Warner International) May 11 2012– ‘Votes for Expat Brits’ is a campaign launched in 2011 that seeks to allow almost six million British expats living overseas the right to vote in general UK and EU elections, beyond the current 15 year cut-off point, for which other modern day countries such as the US, Switzerland and European heavyweights France and Italy are eligible and fully entitled to do. 



It’s the belief of campaign founder and former British Community Committee chairman Christopher Chantrey and campaign spokesperson Brian Cave that the restrictions placed on British expats shows a lack of respect and consideration from the British Government where UK politics are concerned and they’re actively striving to attain higher support and representation for Britain from the expat community.

The ruling stands despite previous efforts made by each of the major UK political parties, numerous MPs and the House of Lords, as well as the open support recently shown from more than 50 countries and almost 2000 poll takers.  Now, as it continues to provide service and support for British expats around the world, the France-based British Community Committee intends to empower British expats.

What’s interesting to observe is that British expats living within the EU are permitted to vote in UK governmental elections which, in effect, is based on entirely the same principles as those being fought for here.  In comparison to the million French expats who vote in today’s elections, just 30,000 of an approximate 5.5m Brits are registered to vote in UK elections from their overseas homes.

The ‘Votes for Expat Brits’ campaign aims to boost that figure dramatically by bringing about changes to legislation which currently prohibits voting for long term expats who have settled abroad over fifteen years ago.  It’s also hoped that a wider support network and constant encouragement will help persuade many more Brits to register their wish to vote and to make their opinions known. 
 

-------------------------------
By Anthony Standring
Financial Contributor
Pryce Warner International Group
For any corrections of factual information contained within our news items please contact our editor.
Email: anthony.standring@prycewarner.com
Skype: newsdesk-pwi
Management Contacts
Telephone: U.K.- +44 20 3364 5016 or Monaco - +377 97 97 29 22
Subscribe to NEWS

Eleven Spanish Banks Downgraded

Eleven Spanish banks were downgraded last week as the country’s economy slid further.

London, UK (Pryce Warner International) May 1st, 2012 – Ratings agency Standard & Poor downgrade the rating of Spain’s biggest banks after data showed the country’s economy had slipped into recession.



One of the banks affected was Santander, which will affect any British Expats that hold local accounts with the bank.

Several other banks were downgraded including Banco Bilbao Vizcaya Argentaria, BBVA and the Spanish unit of Barclays.

Now experiencing an unemployment rate of 25%, Spain is one of the most troubled Eurozone economies as the government adopts increasingly drastic measures to salvage the deficit.

Advisors are warning Expats to review their financial arrangements to ensure the safety of their assets and ensure that they are covered by insurance or compensation schemes should the worst happen.

Financial planner Richard Alexander commented: “In Spain, the deposit guarantee scheme covers up to €100,000 euros [about £81,000] which, like the UK, applies to each person if it is a joint account but these are generally lower limits than the UK compensation scheme.  In the UK, there is the Financial Services Compensation Scheme to step in if all else fails, but even if you are an expat Brit with UK investments, unless you were UK resident at the time you set up the investments with a UK institution, the compensation scheme will not help you.”
 

-------------------------------
By Aneil Fatania
Financial Editor
Pryce Warner International Group
For any corrections of factual information contained within our news items please contact our editor.
Email: af@prycewarner.com
Skype: newsdesk-pwi
Management Contacts
Telephone: U.K.- +44 20 3364 5016 or Monaco - +377 97 97 29 22
Subscribe to NEWS

Expats Barred from Buying Land in Bahrain

Parliament Prevents Sale of Residential Plots to Protect Property Prices

London, UK (Pryce Warner International) May 10th 2012– In what’s been seen as a controversial move to safeguard the Bahraini property market, Bahrain secretary and parliamentary financial & economic affairs committee vice chairman Mahmood Al Mahmood has denied expats the opportunity to buy plots under 2,000sqm by cancelling proposals made just this week.



Preventative measures were also in place as part of the plans, stipulating that the sale of such land could only occur after four years, so as to dissuade property moguls from developing and quickly selling domestic plots to international expats and in turn, pushing poorer natives further down the property ladder.  The move has attracted criticism that stems from the damage done to levels of foreign investment.  

Nevertheless, Bahrain has recently reported an increase in the number of expat settlers, which is somewhat surprising given the regions highly publicised political unrest. It’s suspected that workers from within the energy sector are the cause behind the escalating expat numbers, as well as the prolonged waiting lists for international schools within the gulf state.

Mahmood Al Mahmood spoke of his concerns:

"If we open the door for expatriates to purchase residential plots in Bahrain then a new market will emerge in which GCC nationals purchase bulk plots and then sell them off to the highest expatriate bidder... this in return will affect the availability of residential plots for Bahrainis, which are at the moment limited, and also prices would go up and this means that many Bahrainis will be unable to afford to buy residential plots."

Large scale development has predominantly stalled in the area and along with a 6% reduction in rental costs across the whole region, due to the negative impact of the civil unrest, this lack of new rental property has led to Bahrain’s steadier rental market. The rental market in other areas including Jasra, Saar and Amwaj is still thriving however and seemingly, such secure sites are proving as popular as ever.
 

-------------------------------
By Anthony Standring
Financial Contributor
Pryce Warner International Group
For any corrections of factual information contained within our news items please contact our editor.
Email: anthony.standring@prycewarner.com
Skype: newsdesk-pwi
Management Contacts
Telephone: U.K.- +44 20 3364 5016 or Monaco - +377 97 97 29 22
Subscribe to NEWS

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning. Asset Management & Investment Planning for Expatriates

Paris / France >> 2012/02/08 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 
» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.
» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries
» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan
 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75 » No UK income tax liability on pension income » Benefits can be taken from age 50, compared to 55 under UK schemes from 2010) » 30% Lump Sum from pension, compared to 25% under UK schemes » Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more. » Fully portable from country to country » HMRS SIPP-QROPS registered » You are able to leave the remainder of your pension fund to your heirs on your death » Greater flexibility in terms of how and when you draw down your benefits » Plan more effectively in terms of how your benefits are taxed in the country in which you reside » Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement). » By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

Providing Income & Balanced Growth whilst Protecting Your Investments and Savings from Currency Depreciation

Riberac, Dordogne / France >> 2012/02/15 » Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 
» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.
» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries
» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan
 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75 » No UK income tax liability on pension income » Benefits can be taken from age 50, compared to 55 under UK schemes from 2010) » 30% Lump Sum from pension, compared to 25% under UK schemes » Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more. » Fully portable from country to country » HMRS SIPP-QROPS registered » You are able to leave the remainder of your pension fund to your heirs on your death » Greater flexibility in terms of how and when you draw down your benefits » Plan more effectively in terms of how your benefits are taxed in the country in which you reside » Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement). » By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

QROPS Transfers-International Pension Planning. Protection of Investments against Currency Fluctuations. International Asset Management Tax & Investment Planning for Expatriates

Brussels / Belgium >> 2012/02/17 » Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 
» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.
» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries
» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan
 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75 » No UK income tax liability on pension income » Benefits can be taken from age 50, compared to 55 under UK schemes from 2010) » 30% Lump Sum from pension, compared to 25% under UK schemes » Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more. » Fully portable from country to country » HMRS SIPP-QROPS registered » You are able to leave the remainder of your pension fund to your heirs on your death » Greater flexibility in terms of how and when you draw down your benefits » Plan more effectively in terms of how your benefits are taxed in the country in which you reside » Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement). » By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.  

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Expatriates. QROPS Transfers-International Pension Planning. Asset Management & Investment Planning for Expatriates

Lyon / France >> 2012/02/23 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 
» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.
» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries
» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan
 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75 » No UK income tax liability on pension income » Benefits can be taken from age 50, compared to 55 under UK schemes from 2010) » 30% Lump Sum from pension, compared to 25% under UK schemes » Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more. » Fully portable from country to country » HMRS SIPP-QROPS registered » You are able to leave the remainder of your pension fund to your heirs on your death » Greater flexibility in terms of how and when you draw down your benefits » Plan more effectively in terms of how your benefits are taxed in the country in which you reside » Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement). » By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

QROPS Transfers-International Pension Planning. Protection of Investments against Currency Fluctuations. International Asset Management Tax & Investment Planning for Expatriates

Geneva / Switzerland >> 2012/03/12 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 
» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.
» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries
» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan
 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75 » No UK income tax liability on pension income » Benefits can be taken from age 50, compared to 55 under UK schemes from 2010) » 30% Lump Sum from pension, compared to 25% under UK schemes » Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more. » Fully portable from country to country » HMRS SIPP-QROPS registered » You are able to leave the remainder of your pension fund to your heirs on your death » Greater flexibility in terms of how and when you draw down your benefits » Plan more effectively in terms of how your benefits are taxed in the country in which you reside » Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement). » By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

QROPS Transfers-International Pension Planning. Protection of Investments against Currency Fluctuations. International Asset Management Tax & Investment Planning for Ex-patriates.

Limasol / Cyprus >> 2012/03/13 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning. Asset Management & Investment Planning for Ex-patriates

Paphos / Cyprus >> 2012/03/15 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

International Pension Planning. Asset Management & Investment Planning for Expatriates

Paris / France >> 2012/03/16 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 
» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.
» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries
» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan
 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75 » No UK income tax liability on pension income » Benefits can be taken from age 50, compared to 55 under UK schemes from 2010) » 30% Lump Sum from pension, compared to 25% under UK schemes » Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more. » Fully portable from country to country » HMRS SIPP-QROPS registered » You are able to leave the remainder of your pension fund to your heirs on your death » Greater flexibility in terms of how and when you draw down your benefits » Plan more effectively in terms of how your benefits are taxed in the country in which you reside » Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement). » By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

International Asset Management Tax & Investment Planning for Ex-patriates & Nationals. QROPS Transfers-International Pension Planning

Sydney / Australia >> 2012/03/18 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protectection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning

Frankfurt / Germany >> 2012/03/20 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning. Asset Management & Investment Planning for Ex-patriates

Geneva / Switzerland >> 2012/03/22 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

International Asset Management Tax & Investment Planning for Ex-patriates & Nationals. QROPS Transfers-International Pension Planning

Saigon / Vietnam >> 2012/03/25 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning. Asset Management & Investment Planning for Ex-patriates

Budapest / Hungary >> 2012/04/03 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

QROPS Transfers-International Pension Planning. Protection of Investments against Currency Fluctuations. International Asset Management Tax & Investment Planning for Ex-patriates.

Malaga / Spain >> 2012/04/12 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning

Caracas / Venezuela >> 2012/04/13 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning. Asset Management & Investment Planning for Ex-patriates

Toulouse / France >> 2012/04/17 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning. Asset Management & Investment Planning for Ex-patriates

Prague / Czech Republic >> 2012/04/18 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning. Asset Management & Investment Planning for Ex-patriates

Warsaw / Poland >> 2012/04/24 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning. Asset Management & Investment Planning for Ex-patriates

Johannesburg / South Africa >> 2012/04/26 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

International Asset Management Tax & Investment Planning for Ex-patriates & Nationals. QROPS Transfers-International Pension Planning

Moscow / >> 2012/04/30 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning. Asset Management & Investment Planning for Ex-patriates

Paris / France >> 2012/05/02 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning. Asset Management & Investment Planning for Ex-patriates

Monte Carlo / Monaco >> 2012/05/03 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

QROPS Transfers-International Pension Planning. Protection of Investments against Currency Fluctuations. International Asset Management Tax & Investment Planning for Ex-patriates.

Barcelona / Spain >> 2012/05/08 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Pryce Warner International Open Day for Existing Clients & Expatriates seeking Financial Advice

Hotel Ibis Perigueux, Perigueux, Dordogne / France >> 2012/05/10Our staff will be available to chat with you on Friday22nd May 2009 from 10.00 hrs to 18.00 hrs

Please take the time to join us & we will be pleased to assist you with any questions that you mave have regarding Financial, Pension & Investment Planning.

Our staff have in depth knowledge of the Financial Needs & Investment Requirements of Expatriates living in France

Here are some reminder points that may be of interest to you

The International Banking Crisis & the effects on Expatriates

Protecting Your Investments &  Savings from Currency Movements & Depreciation

Increasing Your monthly Income from Existing Savings & Investments

QROPS new legislation regarding International Pensions and Retirement Multi Currency Banking & Investment

Guarantee of Bank Savings & Investments

Should you wish to make an appointment in advance with one of our Financial Advisors please telephone us or send an email to:-

Melissa Burton

International Tel:         +33 (0)1 39 73 87 66

Within France Tel:      01 39 73 87 66

email: m.burton@prycewarner.com

Refreshments will be provided

Pryce Warner International Group have been assisting Clients in Planning Financial Freedom & Independance for more than 30 years

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning. Asset Management & Investment Planning for Ex-patriates

Stavanger / Norway >> 2012/05/15 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning. Asset Management & Investment Planning for Ex-patriates

Brussels / Belgium >> 2012/05/17 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning. Asset Management & Investment Planning for Ex-patriates

Madrid / Spain >> 2012/05/23 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning

Praia da Luz / Portugal >> 2012/05/24 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

International Pension Plan Changes-Transferring your UK Pension outside of the UK SIPP-QROPS

Bahrain / >> 2012/05/28 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

QROPS Transfers-International Pension Planning. Protection of Investments against Currency Fluctuations. International Asset Management Tax & Investment Planning for Ex-patriates.

Barcelona / Spain >> 2012/05/29 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning. Asset Management & Investment Planning for Ex-patriates

Alicante / Spain >> 2012/05/30 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning

La Rochelle / France >> 2012/06/14 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning. Asset Management & Investment Planning for Ex-patriates

Tokyo / Japan >> 2012/06/19 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning

Bordeaux / France >> 2012/10/12 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protection of Investments & Investment Income against Currency Fluctuations. QROPS Transfers-International Pension Planning. International Asset Management Tax & Investment Planning for Ex-patriates.

Rennes / France >> 2012/10/17 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

International Pension Plan Changes-Transferring your UK Pension outside of the UK SIPP-QROPS

Paris / France >> 2012/10/19 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protection of Investments & Investment Income against Currency Fluctuations. QROPS Transfers-International Pension Planning. International Asset Management Tax & Investment Planning for Ex-patriates.

Monte Carlo / Monaco >> 2012/10/19 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Protection of Investments against Currency Fluctuations.International Asset Management Tax & Investment Planning for Ex-patriates. QROPS Transfers-International Pension Planning

Lyon / France >> 2012/10/24 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

QROPS Transfers-International Pension Planning. International Asset Management Tax & Investment Planning for Ex-patriates & Nationals.

Buenos Aires / Argentina >> 2012/10/25 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

QROPS Transfer your UK-SIPP-Pension Plan to an International Plan-QROPS

Brussels / Belgium >> 2012/10/26 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

QROPS Transfers-International Pension Planning. International Asset Management Tax & Investment Planning for Ex-patriates & Nationals

Rio de Janeiro / Brazil >> 2012/10/29 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

International Asset Management Tax & Investment Planning for Ex-patriates & Nationals. QROPS Transfers-International Pension Planning

Mumbai (Bombay)-India / India >> 2012/11/02 

» Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 


» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.

» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries

» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan

 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75
» No UK income tax liability on pension income
» Benefits can be taken from age 50, compared to 55 under UK schemes from 2010)
» 30% Lump Sum from pension, compared to 25% under UK schemes
» Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more.
» Fully portable from country to country
» HMRS SIPP-QROPS registered
» You are able to leave the remainder of your pension fund to your heirs on your death
» Greater flexibility in terms of how and when you draw down your benefits
» Plan more effectively in terms of how your benefits are taxed in the country in which you reside
» Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement).
» By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.

 

Providing Income & Balanced Growth whilst Protecting Your Investments and Savings from Currency Depreciation

Riberac, Dordogne / France >> 2012/11/02 » Protection of Investments against Currency Fluctuations. » International Asset Management Tax & Investment Planning for Ex-patriates. » QROPS UK-SIPP Transfers-International Pension Planning » Protection & Growth of Capital » International Property Investing » Benefits from QROPS UK-SIPP Transfers to an International Pension Structure 
» You are able to Increase your monthly income from your UK-SIPP Pension Plan Assets whilst at the same time minimising your exposure to Currency Fluctuations.
» You gain control of your pension plan assets with the right to leave the assets in your plan to your chosen beneficiaries
» You have the potential for increased growth of your pension assets & reduced administration costs in comparison to your UK Pension Plan
 

» No need to buy an annuity or ASP (Alternatively Secured Pension) after 75 » No UK income tax liability on pension income » Benefits can be taken from age 50, compared to 55 under UK schemes from 2010) » 30% Lump Sum from pension, compared to 25% under UK schemes » Wide range of investments, ranging from cash, unit trusts, shares, commodities, gold, ETF's, property (including overseas property) and much more. » Fully portable from country to country » HMRS SIPP-QROPS registered » You are able to leave the remainder of your pension fund to your heirs on your death » Greater flexibility in terms of how and when you draw down your benefits » Plan more effectively in terms of how your benefits are taxed in the country in which you reside » Pension rights transferred into a SIPP-QROPS are also now protected from UK inheritance tax (as introduced in the October Pre-Budget Statement). » By moving UK pension benefits to a SIPP-QROPS , assets are effectively removed from the UK tax net and introduced to a new tax environment depending on the member's new residence. For many expatriates the avoidance of UK taxes on pension income and the dangers of additional pension tax levies are an important planning consideration.