As part of our unbiased approach to products, we give you access to a growing number of third party products in addition to our ISA, General Investment Account and Ascentric Pension Account wrappers. Currently, you can access a range of Onshore Bonds, Offshore Bonds, SIPPs, SSASs and QROPS. To find out more about the wrappers available, click on the tables below. Please note these links may take you away from the Ascentric website.
The Ascentric Offshore Bond is a single premium open architecture offshore bond providing investment flexibility and tax planning opportunities for individuals, trusts and corporate clients.
The Ascentric Offshore Bond holds 100% of the policyholder's assets on the platform, giving access to allowable investment funds and cash deposits and the benefits of our full online functionality. It also has the flexibility for you to appoint a Discretionary Fund Manager to manage your assets.
A bespoke illustration system is available and for tax planning purposes, draft trust documentation is available from Royal London 360° including their award-winning Discounted Gift Trust.
Features of the Ascentric Offshore Bond include:
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Access to a full range of trusts including Royal London 360’s award winning Discounted Gift Trust (2010 and 2011 International Adviser International Life Awards)
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Extensive range of funds and cash deposits
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Income and gains are free of tax until encashment
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Tax efficient income by withdrawing up to 5% of capital
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Fund switches within platform are CGT free
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Reassignment without triggering a disposal for CGT purposes
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Tax reduced based time spent as a non-UK resident
Hot Links
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Ascentric Offshore Bond Fast Facts
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Ascentric Offshore Bond Client Application Form
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Ascentric Offshore Bond Guide to Investments
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Ascentric Offshore Bond Key Features
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Ascentric Offshore Bond Terms & Conditions
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For more information please contact us on:
0845 602 9821
AXA Isle of Man
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AXA Isle of Man Limited operates from the secure, tax efficient environment of the Isle of Man and is the specialist offshore company within the AXA Group. Established in 1992, AXA Isle of Man's success is built on its commitment to provide outstanding customer service and exceptional financial products. As at 31st December 2008, AXA Isle of Man managed in excess of £5.6 billion for more than 28,950 clients.
As a leading provider of offshore investments, AXA Isle of Man offers IFAs and their clients a range of products and services. This includes:
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Evolution: a single premium portfolio bond with a choice of charging structures designed to meet the needs of your clients as well as the requirements of your business.
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Estate Planning Bond: a market-leading inheritance tax mitigation vehicle offering even greater charging flexibility than Evolution and benefiting from two guarantee options.
AXA Isle of Man has over 16 years’ experience in providing flexible, cost-effective products and prides itself on high standards of technology-driven customer service. Its Extranet site is available to IFAs and offers an extensive range of facilities together with the addition of a comprehensive portfolio planning tool. With on-line quotations, pipeline reporting, policy valuations, contract details, adviser charge statements and fund information available at the touch of a button, the use of state of the art technology can help ensure that the highest levels of customer service are provided.
For illustrations and access to the application forms you will need to have Terms of Business in place with AXA Isle of Man and then register on the site.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
Canada Life International Limited
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Canada Life International Limited is an offshore life assurance company based in the Isle of Man and we celebrated our 21st anniversary during 2008. This marked over two decades of our providing wealth management solutions to clients in the United Kingdom. In July 2008, the ratings agency Standard and Poor’s recognised the Isle of Man’s stability of government and strength of economy by awarding the Isle of Man a rating of ‘AAA’ for the eighth year running.
We currently have assets under administration of £5.1bn (as at 31/12/08) and we work in close partnership with some of the world’s largest investment specialists. In terms of financial strength we have been awarded a 5-star unit linked rating for the last six years, from actuarial consultants AKG. In determining their ratings, AKG also consider the financial strength of the parent group.
We are a subsidiary of the Great-West Life Assurance Company, owned by Great-West Lifeco Inc. With assets under administration of £191bn (as at 31/12/08), they are the largest Canadian life and health insurance company. Great-West Life Assurance Company was awarded financial strength ratings from Fitch Ratings and Standard & Poor’s of AA+ and AA respectively (as at 30/09/08).
Canada Life International Limited is pleased to offer two products on the TWFP:
The Premiere Account
The Premiere Account is a single premium offshore life assurance policy designed for someone looking to defer the effect of direct UK taxation on their investment whilst retaining access to the investment or wishing to take a regular income from the investment.
The Wealth Preservation Account
The Wealth Preservation Account consists of a number of Canada Life International policies and a trust. This structure is designed for someone who wants to reduce their potential Inheritance Tax bill and is happy to give away a sum of money in order to do so. It also provides the opportunity to link the performance of the plan to a wide range of investment funds or cash deposits. The plan also provides optional annual payments to support existing income or other financial planning needs.
For further documentation please visit our website, www.canadalifeint.com
We are based in the Isle of Man and our policyholders are protected by the Isle of Man’s Life Assurance (Compensation of Policyholders) Regulations 1991, should we become unable to meet our liabilities to them. The compensation scheme would meet up to 90% of Canada Life International Limited’s liabilities to policyholders.
Canada Life International Limited, St. Mary’s, The Parade, Castletown, Isle of Man IM9 1RJ Telephone: +44 (0) 1624 820200 Fax: +44 (0) 1624 820201 Web Site www.canadalifeint.com Registered in the Isle of Man No. 33178. Member of the Association of International Life Offices. Canada Life Group consists of Canada Life Limited, Canada Life Asset Management Limited (both authorised and regulated by the Financial Services Authority), Canada Life International Limited and CLI Institutional Limited (Isle of Man registered companies authorised and regulated by the Isle of Man Insurance and Pensions Authority). All promotional material produced is approved by Canada Life Limited
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
Friends Provident International
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Friends Provident International
When selecting an offshore investment solution for your clients, you need an experienced team.
With over 30 years of experience, offices in the Isle of Man, Dubai, Hong Kong and Singapore and more than 500 staff worldwide, Friends Provident International (FPI) offers a trusted service that you can rely on. FPI is part of the Friends Life group.
Our services:
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Dedicated sales consultants on hand to give you the support you need, when you need it.
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Access to a highly experienced technical services team.
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A comprehensive range of product and trust literature.
Product range:
Reserve Advance
The keys to Reserve Advance are flexibility, adaptability and choice. The product itself, its investment links, and even the way the charges are taken, have all been designed to give maximum freedom of choice to the investor.
Succession Planning Bond
The Succession Planning Bond offers an excellent combination of funds and investment choices, together with the trust options and flexibility that will appeal to those looking for a method to help mitigate IHT liabilities.
Both offer Whole of Life and Capital Redemption variants. Other features include:
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Choice between either Personalised Assets or Collective Investments version.
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No pre-set charging structure.
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Flexible policy segmentation.
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Access to capital.
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5 Star Rating from Defaqto for 2012.
The Succession Planning Bond offers a choice of Absolute or Discretionary versions of the Loan Trust, Capital Access Trust, Gift Trust or Discounted Gift Trust.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
Isle of Man Assurance Ltd
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Isle of Man Assurance currently markets a leading range of innovative inheritance tax (IHT) products. With greater flexibility and enhanced tax savings, when compared to traditional offshore products, these IHT solutions may be appropriate for a range of varying client requirements:
Flexible Inheritor Plan (FIP)
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Cash based – Diversified cash fund, returning a competitive gross yield.
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Choice of a Bare Trust (PET), single or joint Settlors, or Flexible Trust (Chargeable Lifetime Transfer).
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Pays a guaranteed death benefit on the client’s death.
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Immediate discount for IHT purposes, full guaranteed death benefit outside estate after 7 years.
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Completely flexible access for the client to all growth and some capital.
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Permits a client to take regular or one-off withdrawals from the Bond.
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Income Tax efficient for Beneficiaries.
Estate Control Bond (ECB)
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IHT free after seven years (growth immediately).
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Income and capital payable by the Trustees to the Settlor annually if required.
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Flexible access for the Beneficiaries - Money can be paid during Settlor’s lifetime.
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The bond can continue post death of the Settlor, allowing flexible exit routes.
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The bond can be surrendered by the Trustees at any time.
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Chargeable Lifetime Transfer Trust.
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Open architecture.
Estate Transfer Bond (ETB)
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Immediate discount for IHT purposes, fully outside estate after 7 years. Growth outside immediately.
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Flexible access for the Settlor - income and capital available annually if required.
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Income Tax efficient for Beneficiaries.
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Bare Trust (PET), single or joint Settlors.
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The bond is non-surrenderable, allowing the Settlor continued access for the life of the bond.
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Open architecture.
For further information, please call one of our dedicated Isle of Man based Relationship Managers or one of our regional sales force.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
Alliance Trust SIPP
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Alliance Trust Savings Limited is a leading UK SIPP provider, owned by the UK's largest generalist investment trust. Over the past 20 years our pensions team have earned themselves an excellent reputation in the specialist field of self-invested pensions. We invest heavily in systems and training to maintain that position.
We operate a bespoke SIPP that allows investment in all areas permitted by HM Revenue & Customs, specialising in investments such as commercial property and unquoted shares. We are able to offer special fees where all the member's investments are invested through the Succession Investment Platform.
As a professional firm, the vast majority of our business comes from introductions from financial advisers, accountants, solicitors, stockbrokers and other professional advisers, through whom we market our services. We aim to provide a top quality service to these advisers and are totally committed to working closely with you for the benefit of our mutual clients.
We pride ourselves on the personal service we provide to members and their advisers, and strive to always be proactive and professional. We will tailor our services to your, and your clients, precise requirements allowing us to, in effect, operate as an extension of your own organisation in our specialist area.
To find out more about our Adviser-focused service and how we can help you benefit from the rapidly expanding SIPP market, please contact us.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
@sipp
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@sipp Plc is a fast growing SIPP administration firm. We pride ourselves on achieving a high level of service, quality and efficiency in all aspects of the work we undertake.
In addition to investment through Ascentric, @sipp is one of the few SIPP administration companies that offer members full investment choice in line with HM Revenue & Customs regulations.
These include:
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Unlisted Securities
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Commercial Property Purchase
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Joint Property Ownership
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Syndicated Property Investment
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Stockbroker Accounts
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OEICs/Unit Trusts/TIPs/Investment Trusts
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High Interest Deposit Accounts
@sipp is Authorised and Regulated by the Financial Services Authority.
Hot Links
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Application Form, Key Features and Fee Schedule
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The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
Carey Pensions UK
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Carey Pensions UK is part of Carey Group, an offshore financial services provider established for over thirty years and affiliated to Carey Olsen the largest international law firm in the Channel Islands.
Carey Pensions UK is a pension provider offering administration and trustee services for:
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Self Invested Personal Pensions (SIPPs)
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Small Self Administered Schemes (SSAS)
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Workplace Pensions
An independent proposition working with advisers to provide a transparent, fresh and top quality administration service for all of their clients’ pension requirements, for individuals, groups, and companies.
Specialists in self-administered pension schemes, alternative investments, commercial property, Carey Pensions UK is able to provide you with a solution you need and at a reasonable price.
Reasons to Choose Carey Pensions UK:
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Independent Pension Administrator and Trustee
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All types of pension schemes - your one stop shop for pension services
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Low cost SIPP available
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Full SIPP allowing all investment types
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NO additional charges for Protected Rights
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NO interest rate turn taken on scheme bank accounts
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Interest paid on scheme current bank account - currently 0.8%
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NO charge for reviewing alternative investment funds
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ONLINE access to scheme information for advisers and clients
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Specialists for Commercial Property transactions in Pensions
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Dedicated Relationship Managers – delivering high quality service and providing one point of contact
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Treating Customers Fairly - at the heart of our Culture
To receive further information about our products and services contact us directly on 01908 336010 or at enquiries@careypensions.co.uk.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
Curtis Banks SIPP
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Curtis Banks PLC are specialist providers of self-invested pension products.
Our extensive knowledge and experience in this field, and our investment in modern systems, allow us to deliver first-class SIPP and SSAS products.
All our systems are designed for ease of use and full flexibility, allowing streamlined procedures and bespoke solutions.
Our SIPP has been independently assessed by Defaqto and awarded their full 5 star rating.
The Curtis Banks SIPP offers:
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A high level of service. You will be allocated an account manager who will supervise the operation of your SIPP. Our service standards are published, monitored and freely available for inspection.
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A fair and clear fee structure. Our establishment fee of £200 and annual administration fee of £245 p.a. is amongst the lowest in the industry for a full SIPP product.
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We allow significant flexibility on drawing benefits from the SIPP with USP, ASP and Scheme Pension all available.
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Secure online access to current SIPP valuation for you and your client.
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Expertise in commercial property including in house legal support.
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The full range of investment choice within HMRC limits; including full self investment of protected rights.
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In-specie payments (contributions and benefit payments) can be made.
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Simple, clear solutions wherever possible.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
Dentons Pension Management Ltd
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Dentons have been in the self invested market since 1979. We are known for our excellent service because we:
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Provide a very personalised service to our clients with a named individual handling all aspects of the client's affairs. All work is undertaken by the team rather than in a departmentalised approach
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Permit complex property transactions
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Do not insist upon the use of panel valuers or solicitors
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Offer the widest choice of investments limited only by HMRC restrictions
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Work to same day turnaround on investments
To establish a Dentons SIPP or for more information click on the links below.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
Guinness Mahon SIPP
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Guinness Mahon Trust Corporation Limited provide specifically designed pension arrangements for individuals.
Guinness Mahon Trust Corporation Limited acts as Scheme Establisher to the GM Self Invested Personal Pension Scheme for individuals who have their appointed their own financial advisers but need a trust vehicle for their pension planning.
The GM SIPP is only available via an authorised Financial Adviser (IFA).
We provide trust based schemes where the member is a Co-Trustee along with Guinness Mahon Trust Corporation.
We can establish separate schemes with their own PSTR number for Independent Financial Advisers who are looking for a truly bespoke arrangement for their clients.
Harsant Services Limited SIPP
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Harsant Services Limited is a privately held professional pensions administration and actuarial practice, offering clients expert services across the wide pensions management market.
Our Products include:
SIPP - Self Invested Personal Pension
In meeting the needs of today's SIPP clients the Harsant SIPP has two fee structures:
Starter Self Invested Personal Pension (Starter SIPP):
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Flexible savings plan for those with smaller pension funds who want to get started and take control of investments.
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Offers personal control and competitive fees while the fund grows.
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Automatically upgrades to the Premier SIPP to take advantage of complete investment flexibility.
Premier Self Invested Personal Pension (Premier SIPP):
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Created for clients who want flexible investment and pension retirement options.
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Complete control of where your pension is invested.
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Fixed annual fee which reflects the level of work involved and not the value of the fund.
Harsant Premier SIPP has a fixed annual fee which reflects the level of work involved and not the value of the fund. With the Harsant Premier SIPP you are free to choose (subject to HMRC approval) where your fund is invested.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
Hornbuckle Mitchell SIPP
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Hornbuckle Mitchell Trustees Ltd offer a comprehensive range of SIPP services, including:
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Full Pensioneer Trustee Status and HMRC Approval
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Income Drawdown/Phased Drawdown
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Client specific illustrations both pre and post retirement
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Full initial and ongoing administration
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1,000 segments for complete flexibility when taking benefits
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Property purchase
Our service and outstanding reputation within the industry are supported by:
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Specialist SIPP/Retirement Income administration departments in each office
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Over 60 dedicated SIPP staff with ability to handle 150-200 new schemes per week
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Cradle-to-grave service – scheme-specific administrator
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Fast turnaround of new cases
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Local administration
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Six authorised Pensioneer Trustees with an indepth knowledge uncommon elsewhere
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Trustee company regulated by the Financial Services Authority
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
Intelligent SIPP
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The Intelligent SIPP allows you to create the precise SIPP solution - at the right price - for your clients needs
Virtually unlimited flexibility on charges, functionality and asset availability, together with highly commended service and administration levels – and just one point of contact.
The Intelligent SIPP is the market leading ultra-low cost platform based SIPP, yet it can also be run as a full bespoke SIPP giving access to all HMRC permitted investments, including physical assets such as land, commercial property, gold, etc.
So rather that accept the compromise of choosing the ‘closest match’ when selecting a SIPP provider, you can now create your own tailor-made SIPP solution.
The Intelligent SIPP is available under its own brand – or under yours.
In a highly competitive market place, ensuring your clients identify with your brand is vital in securing loyalty, referrals, business development and, of course, client retention.
This is why The Intelligent SIPP does not carry the Intelligent Money brand, but instead carries the intermediary only “Intelligent SIPP” branding, together with your own firm’s brand (if required).
We can build your own Intelligent SIPP proposition and you are free to select your own branding options. For larger firms we offer a complete bespoke SIPP build, creating your own unique SIPP under the name of your choice.
There is no charge for white labelling or SIPP branding. Please contact our Sales Director, Chris Sutton, on 07766 516 018 for more information.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
InvestAcc Minerva SIPP
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The Minerva SIPP is administered by InvestAcc Limited in association with Newcastle Building Society. With over 15 years Self Invested Pensions experience, InvestAcc launched the Minerva SIPP to offer a more flexible approach to retirement planning, together with an efficient and personal service.
At the heart of the Scheme is the Newcastle Building Society Pension Plus account, which pays one of the highest SIPP deposit interest rates available. The scheme allows a wider choice of investment over traditional insurance company pension plans, including Commercial Property, Unit Trusts and OEICs, and individual Stocks and Shares.
Hot Links
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Application and charges information
Download
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
I.P.M. SIPP Administration Limited
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IPM SIPP Administration Limited (IPM) provides a bespoke offering for independent financial advisers who have clients wishing to establish self invested personal pensions. Based in Hertfordshire, IPM is a specialist Trustee and Administrator for our in house SIPP, the IPM Personal Pension Scheme as well as a number of schemes on behalf of investment management firms and stockbrokers.
IPM prides itself on offering a high level, bespoke service for our intermediaries as well as providing the technical back up and support often required in the arena of SIPPs. By working closely with clients and their financial advisers, IPM can help ensure that the right decisions are made at outset and that once established schemes are efficiently and actively managed so that they achieve defined objectives.
For self invested pensions, IPM offers a transparent fee structure designed with simplicity and ease in mind. We do not charge an establishment fee, nor do we charge transaction costs or levy a fee for transferring in existing arrangements. We simply charge a flat annual administration fee which is levied regardless of fund size and is payable on receipt of funds being paid to the scheme.
The provider to the IPM Personal Pension Scheme is the Bank of Scotland who provides the default account where all monies in and out of the scheme must pass through. Given the size of funds held on deposit by IPM, the Bank of Scotland has deemed it necessary to designate IPM as a branch of Bank of Scotland with our own sort code. As a branch, IPM has the ability to transfer monies in house same day, which can be crucial when it comes to making investments within a SIPP (upon receipt of written instruction). Each member has their own specific, designated account which is instant access and pays a rate of interest at 0.75% below Bank of Scotland base rate. Interest on this account is accrued on a daily basis but is paid at the end of each calendar month. The interest rate is paid to all monies held on deposit as IPM does not operate a tiered interest rate approach.
We would be delighted to answer any queries you may have on the services that IPM can provide to you and your clients. Our contact details can be found on the attached literature.
IPM SIPP Administration Limited is authorised and regulated by the Financial Services Authority.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
The MC Trustees SIPP
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MC Trustees Limited was established by Martin Cadman in 1989 and has been specialising in SIPP administration since 1995. MC Trustees provides a bespoke service to clients, tailoring its administration to meet specific needs.
Martin Cadman spent 6 years (the maximum term) on the committees of both the Association of Pension Trustees and the SIPP Provider Group and was Chairman of the SIPP Provider Group for the last 4 years of his term, working closely with HM Revenue & Customs and other government bodies on the Simplification of the Pensions Regime. He represented the industry on the HM Revenue & Customs Customer Forum, the Pensions Industry Working Group and the Financial Industry Trade Discussion Group. He was also part of the team which wrote the new pensions arrangements module for the Pensions Management Institute.
The expertise of the MC Trustees SIPP team enables it to handle complex transactions such as multi-party property purchase, in specie transfers and diverse investment requirements. The company prides itself on its personal approach to clients and professional advisors and its commitment to excellence.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
MW Pensions SIPP
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MW Pensions Ltd is regulated by the Financial Services Authority for the provision of SIPPs. MW SIPP Trustees Ltd do not conduct regulated activity and are not regulated
MW Pensions Ltd was formed in 2003 by senior pension professionals – consultants, actuaries and trustees.
We believe that high quality advice and professional service standards together with a competitive and transparent fee structure are what advisers and their clients want - but very rarely get. Our underlying principles are CHOICE for clients and Advisers alike, QUALITY AND SERVICE, for us Treating Customers Fairly is not an FSA initiative, it is our normal business practice, and TRANSPARENCY of fees and charges with no small print. See our leaflet by clicking on the link below.
We are completely independent and have no affiliations with insurance companies or financial institutions. We do not give financial advice; we leave that to the experts. Our fees are fixed, with no small print. We neither take nor give commissions, and we don’t have transaction charges – our fees include everything a client needs on a regular basis. We don’t keep our fees artificially low by offering low interest rates on cash balances – we pass everything on to the client. We are definitely not a call centre. Our Proposition includes:
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A choice of SIPPS – Acorn Starter SIPP and a FULL SIPP Option
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A choice of high interest banking options
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Protected Rights, both transfers and contributions
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A choice of investments – anything allowed by HMRC including overseas and residential property, unquoted shares
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A choice of retirement options – drawdown, phased drawdown ASP (open to over 75s)
The MW ACORN SIPP is a "starter" SIPP for people who want to build up a fund over time from a relatively low base. It is suitable for funds of up to £60,000 (click on links below to access the application paperwork in downloadable form)
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
MYSIPP
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MYSIPP is a Self Invested Personal Pension (SIPP) that gives you flexibility and control over your investments as you plan for your retirement. It offers full self-investment of protected and non-protected rights and allows investment in any HMRC allowable investment including individual and syndicated property purchase, shares and ETFs.
MYSIPP provides a robust framework for you to manage your money the way you choose, whilst ensuring you self invest with the comfort of complying with the latest pension legislation.
MYSIPP's online functionality offers instant, secure up-to-date valuations of investments and a simple, single annual management charge means a fully transparent charging structure.
Flexible contribution options, wider investment choice and a full range of retirement options make MYSIPP the popular choice for professional advisers and private investors.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
Organon SIPP
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Great care needs to be taken when choosing a SIPP provider. Not all SIPPs offer the same features, with different providers producing different variations to suit their particular business model. This model may or may not suit your client’s needs.
Many larger providers seek to simplify their self-invested service by precluding investments in some of the more complicated or esoteric asset classes, such as commercial property, unlisted shares or certain “structured” products. Such companies use their economies of scale to produce systems and procedures aimed at efficiently processing high volume standardised transactions. This is fine for advisers with clients simply seeking access to a large and diverse collection of funds available on the various “platforms” but if the client is likely to require a more diverse range of non-standard investments, providers offering a more “bespoke” product are more appropriate.
The Organon SIPP has been specifically designed as a low-cost bespoke SIPP allowing the full range of permitted investments under current legislation and several other features not offered by most other, even bespoke providers. At the same time we have removed many of the additional fees and conditions imposed by most bespoke providers to deliver an extremely flexible and cost effective pensions vehicle.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
Pointon York SIPP Solutions
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At Pointon York you can be assured of high quality service that delivers the right solutions for your clients. Below are some of the reasons why you and your clients are in good hands.
Our Heritage
Our Product Solutions
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Pointon York offers a full range of products to suit all of your clients’ needs
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e-SIPP - low-cost, online and delivered with industry leading partners, OBSR and Praemium
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Single Investment SIPP - one asset and no panel restrictions
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Full SIPP - access to a full range of HMRC allowable investments
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Family Trust - sophisticated financial planning with great flexibility
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Corporate SIPP - flexible, online, tiered approach to suit employees at all levels
Our Expertise
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Commercial property; partnerships, joint ownership and syndicates
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Alternative investments; overseas property, bonds, gold, loan notes, unquoted shares and many more
Our Dedicated Relationship Managers
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Our relationship managers provide you with 15 years’ industry experience
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One dedicated point of contact
Our Technical Specialists
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Our specialists have an average of 25 years’ industry experience
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Our highly-skilled processing teams are run by experienced section heads and provide expert knowledge in their specialised areas
Our Technology
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Bespoke in house administration system, designed to provide optimum efficiencies
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24/7 online access to client and fund information
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Online application forms
Our Transparency and Flexibility
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Clear and detailed charging structure
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Transparent service levels
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Flexible, bespoke service approach
Our Risk Management Approach
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Thorough due diligence process
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Robust systems, procedures and controls
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Dedicated compliance team
Hot Links
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Homepage
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Pointon York e-SIPP
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Pointon York e-SIPP Fee Schedule
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Pointon York Single Investment SIPP
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Pointon York Single Investment SIPP Fee Schedule
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Pointon York Individual SIPP Key Features
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The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
Sanlam OneSIPP
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The OneSIPP. The SIPP redefined
What do your clients want from a SIPP? The ability to invest in a wide choice of investment options in one pension scheme for greater control and potentially greater returns?
The Sanlam OneSIPP is the product that allows them to do this: they can invest both Protected Rights and Non-Protected Rights in one self-invested pension scheme, and use these funds for income withdrawal. And we have the experience to match this offering. They even have the option of becoming a co-trustee of their OneSIPP.
The OneSIPP also gives a wide ranging choice over where their money can be invested, so they can diversify their pension investment for maximum potential growth. Investment options include commercial property, our Pinnacle Range of funds, our Accel funds, other IFA selected funds from our select range and other assets including listed and unlisted shares, and collectives. Clients can monitor and change their investments themself, appoint a Discretionary Investment Manager to manage them, or use a third party platform provider.
The Sanlam OneSIPP has been awarded the 5 star rating by Defaqto in 2009, 2010 and 2011.
In terms of support we believe in a human approach to service. We do not have a call centre and you will not be greeted by a push-button menu. Rather, we aim to provide a high level of personal service, from knowledgeable, helpful staff, dedicated to providing the best level of service.
(Select the red button to download)
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
Sippcentre (for IFAs only)
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Sippcentre was launched in October 2002 and is part of the A J Bell Group. It provides advisers with a cutting edge solution and groundbreaking focus on low charges that has widened the audience for SIPPs for the first time.
The Group has won numerous awards over the years, the most recent one being "best SIPP provider", at the Professional Adviser Awards 2008.
We strive to provide the best overall SIPP package available to advisers with low cost delivery and a quality service.
Amongst the recently improved features are:
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Ability to hold Protected Rights
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Links to the UK’s Leading Discretionary Fund Managers
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Access to 3rd Party Deposit Accounts
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Trustee Investment Plans
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Commercial Property
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A choice of leading fund supermarkets
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Online Transactional and Reporting Functionality
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Cash management indicator for those in USP/ASP
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Tracking of pending pension transfers
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Comprehensive Illustration Tools
The service is exclusively available through authorised financial advisers, with over 7,000 firms already pre-registered. Registration is free and easy to complete online with your FSA number the only pre-requisite.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
Suffolk Life SIPP
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Suffolk Life is a SIPP provider with a proven reputation for service excellence. Wholly owned by Legal & General, they administer over 14,000 plans with AUA in excess of £4 billion making them one of the top 10 SIPP providers in the UK.
The company provides several SIPPs, SmartSIPP being the most recent. It meets the needs of advisers and their clients who want to get the most out of the platforms they work with, but who also want to ensure that the pension is provided by a quality administrator with a proven track record. Whilst independent of the platform partners, SmartSIPP offers a high level of integration and enables the adviser to use a single SIPP provider with the flexibility to access multiple platforms for different clients.
SmartSIPP also offers execution-only stock broking, and advisers may also invest in non-platform investments direct via Suffolk Life. As with all pensions offered by Suffolk Life, both capped and flexible drawdown are available.
Illustrations and projections are available online at www.smartsipp.co.uk where it is also possible to apply online.
The key features of SmartSIPP are:
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Multi-platform integration
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Execution-only stock broking
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Online applications and illustrations
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Flexible and capped drawdown
If even greater investment choice is required, then clients can easily upgrade to Suffolk Life’s 5 star Defaqto-rated MasterSIPP. The MasterSIPP offers an even wider choice of platform choice along with access to commercial property investment and over 150 discretionary investment firms.
Additional information on MasterSIPP and other Suffolk Life pensions can be found at www.suffolklife.co.uk.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
The LIfetime SIPP
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The Lifetime SIPP is a highly cost-effective and flexible self invested personal pension offering a range of investment types, including
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The Cash-OnlyLifetime SIPP– invests in cash deposits only. No set-up or annual management fees, just 1% charged on each contribution made (minimum £5);
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The Cash-PlusLifetime SIPP– can be invested in a range of equity-based assets where there is only one investment manager reporting data to us. No set-up fee, annual management fee £300+VAT; and
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The CompleteLifetime SIPP– can be invested in the full spectrum of permitted assets. Set-up fee £250+VAT(reduced by 1/3rd when one or more plans established simultaneously with the same contact details), annual management fee £500+VAT.
Specialist support and advice is available for commercial property purchase and in respect of other technical issues.
We offer a highly personal service to business partners and their clients. We do not give any form of investment advice. We are able to provide the full range of SIPP administration, including payment of post-retirement income.
The Lifetime SIPP Company Ltd has experience of managing member directed pensions ranging over 30 years. All administration is undertaken by the highly respected Hartley SAS Ltd, with which The Lifetime SIPP Company Ltd has a service agreement.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
TM SIPP Services Elite Retirement Account
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Operated by TM SIPP Services, the Elite Retirement Account is a bespoke SIPP capable of investment into all assets permitted by HM Revenue & Customs. This includes direct investment into commercial property, an area in which TM SIPP Services specialises.
Most of our business is introduced to us by independent financial advisers, accountants, solicitors, and other professional advisers, who utilise our technical input as well as administration and co-trustee services.
Each SIPP will have a designated consultant and administrator, enabling TM SIPP Services to contradict the departmentalised and faceless approach to administration increasingly adopted by many of our competitors. We have invested and continue to invest in IT and systems for both TM SIPP Services and our sister company, Talbot & Muir Limited, which supplies similar services to SSAS clients.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
InvestAcc SSAS Ltd
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Further information regarding InvestAcc SASS will follow shortly.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
Organon SSAS
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Great care needs to be taken when choosing a SSAS provider. Not all SSASs offer the same features, with different providers producing different variations to suit their particular business model. This model may or may not suit your client’s needs.
A SSAS is a Registered Pension Scheme, the members of which are usually owners, directors or key employees of a sponsoring employer. Whilst subject to the same rules relating to contributions and benefits as conventional insured arrangements, the SSAS affords much greater flexibility and control over the investment of the scheme’s assets.
The list of approved investments is extremely long and in addition to standard investments, such as Unit Trusts or Insurance Company Funds, includes the following:
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Commercial property
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Commercial loans, including to the sponsoring company
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Stocks and shares, including the sponsoring company’s
Through such investments, the SSAS offers the opportunity for pension fund assets to be used for the benefit of the sponsoring company. For example, the pension fund may purchase a commercial property, which it may then lease back to the company. The pension fund will receive any rent free of tax and has no capital gains liability on any subsequent sale of the property. The company has a secure tenancy and does not need to access funds to source the purchase of premises.
A further advantage of a SSAS is that it permits pensions to be paid from the scheme without the need to purchase an annuity, thus allowing continued control and flexibility of investments.
Each scheme requires a Scheme Administrator, whose role is:
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Registering the pension scheme with HMRC
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Reporting events relating to the scheme to HMRC
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Making regular returns of information to HMRC
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Providing information to scheme members, and others, regarding the Lifetime Allowance, benefits and transfers
Unlike many service providers, who seek to offload the Scheme Administrator role (and any attendant penalties should breaches in legislation occur) to the individual member trustees, Organon can and will fulfil this official role whilst acting as Professional Trustee to the SSAS.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
Premier Pension Services SSAS
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A member of the Jardine Lloyd Thompson Group. Authorised and regulated by the Financial Services Authority. Registered Office: 6 Crutched Friars, London EC3N 2PH. Registered in England No 02240496. VAT No. 244 2321 96
Premier Pension Services offers a full service for IFAs wanting to use SSAS as the retirement planning tool for their clients. Main features and benefits being:
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We provide the role of Professional Trustee
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We provide the role of Scheme Administrator
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Full administration services including scheme accounts and member benefit statements
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Regional consulting and technical support for Member Trustees and the IFA
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Dedicated named administrator providing consistent client IFA point of contact
Contact us to discuss the SSAS options we offer ASCENTRIC users:
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Our eSSAS, where we offer discounted administration fees for those clients restricting assets to a scheme bank account and then trading on the ASCENTRIC platform
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SSAS takeovers where we offer project management including new model rules and an A Day audit - we have waived our setup fee and also pay the IFA an introducer fee of £350
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EPP conversions - resurrect those old plans with A Day Deeds and then use the ASCENTRIC Wrap for scheme portfolio investment
For further details of our SSAS product options please contact the Premier SSAS team below:
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
Rowanmoor Pensions
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At Rowanmoor Pensions we have over 25 years’ experience in the SSAS market and are the UK’s largest independent SSAS provider. We specialise in self-administered schemes and provide unrivalled, first-class support to our clients and introducers by offering innovative retirement and business financial planning solutions and award winning administrative services.
Our range of products include:
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Small Self-Administered Schemes (SSAS)
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Family Pension Trusts
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Defined Benefit SSAS
As well as acting as the independent trustee and scheme Administrator to all of our schemes we provide:
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a personal, portfolio based service
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a specialist team of SSAS technicians
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experienced regional consultants who are on hand to provide guidance and ensure member trustees gain full advantage from their SSAS
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specialist actuarial advice and calculations
In addition, our adviser fee agreement facility streamlines the process of settling adviser fees under a Rowanmoor Pensions SSAS or Family Pension Trust.
Rowanmoor Pensions is dedicated to providing a quality professional service, individually tailored to the meet the specific needs of each and every client.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
Talbot & Muir Ltd SSAS
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We are providers of specialist administration services to Small Self Administered Schemes (SSAS’s) and through TM Trustees Limited, assume the role of Professional Trustee.
Our services are primarily distributed through our network of professional connections, which include Independent Financial Advisers, Accountants and Solicitors, who utilise our technical expertise as well as administration and co-trustee services.
By adopting the same approach as our sister company TM SIPP Services, we ensure that each scheme has a designated consultant and administrator assigned to it. Also that ongoing reviews and investment are made into our IT infrastructure and systems. This means we can be sure that clients are receiving consistently superior levels of service with respect to all aspects of the schemes administration.
Hot Links
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For further information see our website
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The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
Whitehall SSAS
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Formed in 2011, we are a specialist firm providing professional trustee and administration services to self-administered pension schemes.
We deliver a fresh and modern approach, always looking towards the latest innovation to ensure our services keep pace with the modern world.
We offer a wealth of knowledge and experience which enables us to negotiate complicated areas efficiently.
Whilst pension legislation changes frequently, the principle of accessing tax incentives for long term retirement saving has existed for many years and is set to continue. As people live longer and can be retired for up to 30 years, sensible and creative retirement planning will become increasingly important.
Wholly independent and without ties to any insurance company, financial adviser or fund management group, we focus our efforts on the administration of pension schemes and do not give financial advice. We believe that in an area as complex as pensions it is important to specialise and our specialist proposition gives clients a small company intimacy whilst operating the back-office in a streamlined and efficient way.
This combination forms the basis of the Whitehall philosophy which aims to modernise the SSAS product whilst enabling a high level of relationship management.
With a unique approach to charging, clients pay for what they use and our fees reflect the activity of each individual pension scheme. The headline rates are charged on a capped member basis which means our SSAS services are comparable in cost to a similar personal pension arrangement but with added flexibility.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
MC Trustees QROPS
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%20Logo.png "MC Trustees QROPS") |
MC Trustees (Malta) Limited is under the same ownership as MC Trustees, a small group of companies based in the United Kingdom, who have been administering Small Self Administered Schemes (SSAS) since 1986 and Self Invested Personal Pensions (SIPPS) since 1995.
The UK operation looks after approximately 1,500 plans which hold just under £1 billion of client assets. The Malta company was set up to provide a Malta based pension which would be accepted by Her Majesty's Revenue and Customs (HMRC) as a Qualifying Recognised Overseas Pension Scheme (QROPS).
The MCT Malta Private Retirement Scheme is based in Malta, a member of the EU, and has been approved by the Malta Financial Services Authority (MFSA) as well as HMRC. By transferring existing UK pension benefits into the scheme, members are able to legitimately move their pension arrangements from the UK tax regime. This means that, after five years non residence, any tax would be payable in the country of residence and not in the UK and that certain UK charges on pension transactions will not apply.
For more information, visit the MC Trustees (Malta) website.
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.
MW Pensions QROPS
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MW SIPP Administration (IOM) Ltd
An independent SIPP Provider established on the Isle of Man since early 2007 to provide SIPPs to Isle of Man residents. The scheme, MW Self Invested Personal Pension Scheme is authorised on the IOM by the Insurance and Pensions Authority and approved by the Income Tax Division of the Isle of Man Treasury.
The scheme is set up to use all the functionality of the Ascentric website.
The scheme was opened up to non residents of the IOM in 2008 and registered as a QROPS with HMRC, (see below). It has been able to accept Protected Rights since October 2008.
What is QROPS?
It’s an acronym for "Qualifying Registered Overseas Pension Scheme" with HMRC which was introduced in April 2006 and is basically a process for transferring funds from UK pensions to overseas pension funds – in this case IOM.
To achieve QROPS status a scheme must fulfil certain criteria set by HMRC, which our scheme does. The scheme can be seen on the QROPS list on HMRC website.
To see more about QROPS Transfers click here
Who can benefit from QROPS?
There are four groups of individuals who can benefit from QROPS :
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IOM residents with UK pension benefits
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UK expats with UK pension benefits
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UK residents who are planning to leave the UK who have or can plan a UK pension
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Foreign nationals with UK pension benefits
What about UK Expats?
Several hundred thousand people leave the UK each year and many have accrued UK pension benefits, some of them substantial.
Often there can be substantial benefits to be gained by transferring these funds to our scheme – it is at the very least an excellent planning opportunity, but to gain full value for a client, it may be that tax advice may be necessary, covering such topics as Residence and Domicile.
To learn more about this click here
Why the IOM?
It is a Crown Protectorate, but not part of the UK or EU. It is independent with its own parliament and can raise its own taxes.
It is regarded as a well regulated and run jurisdiction by the likes of the OECD and IMF and earlier this year was placed on the ‘white list’ following the G20 Summit. It has a policy of establishing Double Taxation Agreements and Information Sharing Agreements with other governments.
It has a ‘benign’ tax regime with lower rates of income tax and nil rates of CT, CGT and IHT.
The way it deals with pensions is quite different in many ways, as can be seen on the previous link (above)
Some cautious comments
QROPS can be a bit of a minefield with some very dubious products and structures on offer, often at extremely high fee levels. So beware of any scheme which offers 100% fund withdrawal, or offers to falsify an individual’s residency status or plays with the provisions of Trust Law. The best rule of thumb is if it looks too good to be true, it probably is.
If QROPS is handled properly there are significant benefits without resort to dubious structures or trust-busting exercises.
For more information about our MW IOM SIPP and QROPS options please click on this link to our website www.mwpensions.co.im
The Ascentric website hosts information from third party product providers regarding their products and services. This information, and any links from these pages, are provided by the product provider themselves and carry no endorsement by Ascentric. You use such information, and links to other websites, entirely at your own risk. Such information is provided by pages maintained by independent third parties and Ascentric accepts no responsibility for the availability, content or use of the information contained on them.