OUR PARTNER SERVICES

Equity Release

Equity release (dependant on your jurisdiction) is a facility available to people aged 55 to 95 which allows for the release of some of the cash (equity) tied up in the value of your home. The money released (which can be spent however you like) can be taken as a single lump sum or more than once in smaller amounts, following an initial lump sum. The amount you can release depends on your age, how much your house is worth and your health and lifestyle. Generally, the older you are and the higher the value of your home, the more equity you can release. Last year, our equity release partners helped our customers release an average of over £85,000 (UK figures) of tax-free cash available to spend on a better retirement. To release equity from your home, you need to get expert advice from a qualified equity release adviser so contact us now so we can organise a free no obligation initial consultation with our Equity Release Specialists.

Life Insurance

Life insurance is a contract between you and a life insurance company whereby you pay for the policy on a regular basis, and the insurer agrees to pay a sum of money to your beneficiaries when you die. Within those parameters are several types of life insurance. Commonly life insurance is purchased to replace income and or release financial pressure when a spouse dies which makes a lot of sense if your family depends on your income. A significant portion of our clients however purchase Life Insurance in conjunction with their Estate Planning, ie: the policy being designed to pay IHT liabilities and used in conjunction with business planning. It is of vital importance that Life Insurance policies are structured properly to ensure that the existence of the policy itself does not impact any exposure to taxes upon death. To ensure you have the right level of protection, you need to get expert advice from a suitably regulated Insurance provider so contact us now so we can organise a free no obligation initial consultation with our Life Insurance Partner Specialists.

Critical Illness Insurance

Critical illness insurance, (also known as critical care insurance) is a type of insurance policy that compensates policyholders with a lump sum payment after getting diagnosed with a specific illness that is listed on their insurance policy. Critical illness insurance policies can also be structured to make serial payments based on the policyholder's ongoing medical treatments and condition. Critical illness insurance normally comes with a list of illnesses that are included in the policy. Each illness will have criteria that defines when you qualify for a payout. Unlike standard health insurance (as detailed below), which pays the costs of medical procedures to the doctors or hospital, critical illness insurance will pay cash directly to you. You can use the money from critical illness to pay for anything you want. To ensure you have the right level of protection, you need to get expert advice from a suitably regulated Insurance provider so contact us now so we can organise a free no obligation initial consultation with our Critical Illness Insurance Partner Specialists.

Health/Medical Insurance

With Healthcare being a priority for us all and healthcare costs being generally high and unpredictable, ensuring you are adequately protected from the unknown is vital and increasingly important as we mature in our years. However most types of insurance do not protect the policyholder outside of their home country, and of the types that do, only international health insurance is specifically designed to meet the needs of expatriates and other long-term foreign residents and their families. Our partners are specialists in the sector and their insurance plans offer health coverage suited for foreign workers, international students, and retirees who are staying overseas for extended periods of time. To ensure you have the right level of protection, you need to get expert advice from a suitably regulated Insurance provider so contact us now so we can organise a free no obligation initial consultation with our Health Insurance Partner Specialists.

Savings and Pension Planning

A pension/savings plan is great policy that can, if executed correctly provide the saver with a financially comfortable/secure retirement. Pension plans date back to the mid 1800’s with the creation of modern private pension policies. You need to invest a certain amount regularly to accumulate a lump sum which is needed to ensure a steady flow of monthly pension income once you retire. If you begin contributing early, it should be easier to build towards secure golden years money-wise. An intelligently structured retirement plan can help you rise above inflation, thanks to the power of compounding. To ensure you are/will be properly protected in your Retirement, you need to get expert advice from a suitably qualified advisor so contact us now so we can organise a free no obligation initial consultation with our Savings & Pension Partner Specialists.

QROPS & SIPPS (for UK policies)

A Qualifying Recognised Overseas Pension Scheme, or QROPS is an overseas pension scheme that meets certain requirements for UK policy holders as set by Her Majesty's Revenue and Customs (HMRC). A QROPS must have a beneficial owner and trustees, and it can receive transfers of UK Pension Benefits. The QROPS programme was part of UK legislation launched on 6 April 2006 as a direct result of EU human rights requirements of the freedom of capital movement. A QROPS can be appropriate for UK citizens who have left the UK to emigrate and intend to retire abroad having built up a UK pension fund. Alternatively, a person who is born outside the UK having built up benefits in a UK-registered pension scheme can move their pension offshore if they want to retire outside the UK. UK State Pensions and defined benefit pension schemes cannot be transferred, but SIPPs and SSAS can be transferred. A QROPS does not have to be established in the country where one retires; rather, a person can move the pension to another jurisdiction and have the benefits paid into their country of choice. Contact us now so we can organise a free no obligation initial consultation with our QROPS/SIPPS Partner Specialists.

Investments

Our team of Investment Partners are international asset managers who specialise in long-only global equities who’s fund management roots date back decades whilst providing world class asset management services across the globe. With a team of highly experienced staff who meet the required industry standards of quality, compliance, accuracy and client services, whilst following a ‘focus investing’ methodology, combining growth with low exposure to risk is of utmost importance. With the ability to either save costs and invest directly with asset managers (subject to minimum levels of investment capital) or alternatively, if the benefits of life based protection wrappers suit your requirements, contact us now so we can organise a free no obligation initial consultation with our Investment Partner Specialists.

We are committed to our approach and to achieving the outcome you are seeking.

Contact us now so we can organise a free no obligation initial consultation.