Combining a Disability Trust with State benefits can provide a better quality of life and financial protection for disabled beneficiaries.
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Are Frequent Changes to My Investment Portfolio a Good Thing?
Constant portfolio changes are often more profitable for advisers than for clients. If you want advice that prioritises your returns instead of hidden commissions, choose a transparent, fee-based adviser.
Pensions and Inheritance: Are Your Retirement Savings Still Safe?
Pensions and inheritance may be affected by proposed regulations by the HMRC in April 2027. If implemented, these changes may affect how pensions are passed on to beneficiaries, particularly for those with larger estates or pensions held overseas.
De-listed QROPS: Are You Trapped Without Options?
De-listed QROPS can sometimes result in restricted access, limits on transfers, and potential tax implications. Every case is different, and the impact will depend on your personal circumstances.
Comparative Overview: Artificial “Consultant Company” IORP/QROPS Schemes
Clients relying on artificial “consultant” companies risk: tax charges, penalties, invalid transfers, and loss of pension protections.
Dutch Pensions and Occupational QROPS – A Risky Loophole
Transferring a Dutch pension to a Malta occupational QROPS can look like a neat workaround. In reality, it could be very bad advice.
The Occupational QROPS – A Way to Avoid 25% Overseas Transfer Charge?
The promise of avoiding a 25% tax charge may sound appealing, but if the foundation is artificial, the risks far outweigh the benefits.
Irish Pensions and Occupational QROPS – A Dangerous Loophole?
If you’re being advised to set up a company just to sponsor yourself into a Malta IORP, proceed with extreme caution.
Will Moving My UK Pension to a QROPS Save Inheritance Tax?
Will your UK pension be taxed at 40% or 25% or nothing upon inheritance? Is a QROPS the answer for everyone? Our expert helps you plan for the 2027 rule changes.
British Expats Face Key Pension Rulings and Advice Risks
British expats need careful planning, professional guidance, and a clear understanding of the limits of tax treaties and consumer protections to avoid costly mistakes.
When Investing in a Sure Bet Goes Wrong
When investing, long-term success involves balancing risk avoidance (not losing it all) with opportunity, ideally with professional, regulated advice. You may come across that ‘sure bet’: a once in a lifetime opportunity. Be very careful: not all offers are trustworthy.
As an Expat, Can I Use My Financial Adviser from Home?
As an expat, you need advice from a qualified local financial adviser, who knows the tax systems and regulations of where you live now.