QROPS REVIEWS
PENSION TRANSFER SPECIALISTS WITH OVER THIRTY YEARS EXPERIENCE
Free Initial QROPS Pension Reviews
If you have previously transferred from a UK Pension to a Qualifying Recognised Pension Scheme (QROPS), we offer a review service to ascertain if the current QROPS is working for you or whether there may be better alternatives. Alternatives could include a full pension transfer or simply changing the structure of costs and investments within an existing plan.
The initial QROPS Pension Reviews are free of charge, and fees would only become relevant if between us we agree on an action such as a transfer (to another QROPS or back to a UK pension) or a re-structure of your current pension.
QROPS are typically held in jurisdictions such as Guernsey, Malta, Gibraltar and New Zealand.
Why you should review your QROPS
We are happy to offer you a general review under any circumstances, however, you may want to specifically review for the following reasons:
The funds are not growing as you would hope
Some funds have failed or become suspended, which have resulted in large losses
You are concerned about high costs for the pension provider and / or the investments in the pension
You have changed residency since you set up your QROPS, including returning to the UK
You plan to change residency
You have had a change of circumstances or objectives since you set up the QROPS
Your attitude to risk has changed
You are concerned about the service being offered by your pension provider and / or adviser
You are unsure whether your QROPS is compatible from a tax perspective with your country of residence
You have concerns of a technical nature
Many of the above are the most common issues that get mentioned to us by clients who have transferred to QROPS.
Our service
How much we will be able to help will depend upon your specific circumstances, and other factors such as whether there are any exit penalties linked to any investment structures as well as any suspended or illiquid funds or fixed term deposits or notes.
OUR ULTIMATE AIM WILL BE TO:
- Reduce your costs, specifically on the underlying investment structures which are often the biggest issue.
- Ensure your pension is in the correct location for your retirement plans.
- Recommend a professionally managed, regulated, and diverse portfolio (both geographically and across different asset classes), that is aligned with your attitude to investment risk.
- Provide a no commission and fully transparent service, where you know where each penny, pound or Euro is going and why.
- Develop an on-going review service to provide added peace of mind and keep everything on track throughout your retirement.
Our Services
Australian Transfers
Our core business, Australian Pension Transfers are very much our main area of specialism. This is enhanced by working with like-minded and carefully selected partners in Australia to provide a comprehensive end-to-end solution.
New Zealand Transfers
For the right individual under the right circumstances, the New Zealand Pension Transfers could be beneficial. Transfers to Australia and New Zealand are our core business and very much our main area of specialism. This is enhanced by working with like-minded and carefully selected partners in both countries to provide a comprehensive end-to-end solution.
Shell Pensions
Many of our clients have been very high profile at Shell, and almost all want the same level of detailed and transparent advice. Most clients are UK nationals who are now living overseas, and some plan to return to the UK.
UK Resident Services
At Cradle Overseas Pensions, we are committed to providing a comprehensive range of services tailored specifically for UK residents. Our expertise extends to a variety of financial planning areas, ensuring that your financial needs are met with the utmost professionalism and care.
QROPS Pension Reviews
If you have previously transferred from a UK Pension to a Qualifying Recognised Pension Scheme (QROPS), we offer a review service to ascertain if the current QROPS is working for you or whether there may be better alternatives. Alternatives could include a full pension transfer or simply changing the structure of costs and investments within an existing plan.
Self Invested Personal Pensions (SIPPs)
SIPPs, or Self Invested Personal Pensions, offer a flexible way for individuals to manage their retirement savings, providing greater control over investment choices. These pensions are an ideal solution for those who seek to actively engage with and tailor their retirement investments to better align with their long-term financial goals.
OUR MISSION
To achieve the best and most suitable outcome for our clients, whereby both parties are making fully informed decisions, and in a manner where our clients feel at ease through the entire process and comfortable enough to ask us anything whether they feel it is relevant to their financial situation or not.