As completely independent providers we can provide a range of retirement options. We do not provide investment management or advice, leaving us free to help you choose the most appropriate and cost effective solution for your needs.
We can provide the following types of pension schemes:
- RATS (Retirement Annuity Trust Schemes) for local Guernsey individuals
- International Pension Schemes
- QROPS (Qualifying Retirement Overseas Pension Schemes) – A QROPS can receive the transfer of UK Pension Benefits without incurring an unauthorised payment and scheme sanction charge. This is available for individuals who have left the UK and now reside in Guernsey and wish to move their pension arrangements offshore.
- QNUPS (Qualifying Non UK Pension Scheme) – QNUPS are an attractive top up pension option for both UK resident and UK non-resident individuals and are IHT exempt so well suited to clients seeking to protect their estate and wealth for future generations. See our QNUPS information sheet for more details.
We are able to engage any investment manager or financial adviser to look after the Pension investments, subject to suitability. Usually the investment manager will be discussed and chosen with input from the scheme member (the client).s comple