QROPS

Andrew Caddick can assist you to transfer your UK pension overseas via a specialist network of qualified advisers, there will be no need to buy an annuity, you can pass your remaining fund to your loved ones after your death in addition to investment freedom.

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Moving your pension aborad

Our specialists offer a choice of QROPS schemes from Malta, Gibraltar and the Isle of Man to suit your personal circumstances and your underlying investment needs.

Kept informed at every
stage of the process

Where a QROPS is concerned, it's true to say that one size does not fit all. Our team maintain up-to-date knowledge and technical understanding of the ongoing issues faced by clients, both in the UK and further afield.

Our dedicated QROPS teams in Gibraltar work closely with carefully chosen trustees to provide the right solutions and the correct amount of contact to ensure you are kept informed at every stage of the process. This level of expertise enables us to continue to deliver innovative and tailored solutions.

Our Values

Highest standards of client care

The service we deliver to our clients is at the heart of everything we do. Our business model and processes are built around our clients to ensure we deliver only the highest standards of client care.

Our Values

Independent financial broker

As a truly independent multi-jurisdictional Broker of financial solutions our concern is only for our clients who are empowered with the choice of financial freedom.

Our Values

Complete client focus

We are at the forefront of developing best practice in the administration and delivery of financial recommendations. The service we deliver to our clients is at the heart of everything we do.

Our business model and processes are built around our clients to ensure we deliver only the highest standards of client care.

Our Values

No hidden charges

We provide a high quality service with all fees included and made clear from the onset.

Frequently asked questions

Who can move their pensions into a QROPS?
What is the minimum transfer I can make into a QROPS?
Is there any Taxation on the Transfer?
Can I return to the UK after taking the benefits?

Anyone that holds a UK pension scheme who intends to live outside of the UK for more than 5 years, or who has been living overseas for 5 years, is eligible.

There is no minimum level. However, it may not be efficient to transfer a single smaller pension into a QROPS. IFAI can recommend the most efficient vehicle based on the size of your pension fund and the length of time you have until you retire.

A transfer of a registered pension scheme to a QROPS 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 £1,000,000. Below this amount there is no taxation at transfer. Anyone with a pension fund larger than £1,000,000 who is contemplating such a transfer should obtain specialist advice from IFAI before proceeding.   https://www.gov.uk/hmrc-internal-manuals/pensions-tax-manual/ptm081000

Yes, you can return without prejudice. However, to ensure there is no taxable event, we would recommend seeking our advice before returning to the UK.

As your life changes, so should your financial recommendations, this ensures relevance of position in a changing financial world.

Andrew Caddick – Managing Director
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