UK and offshore pension planning

At Pembroke Consulting, we take time to understand what retirement means for you.

UK and offshore pension planning

At Pembroke Consulting, we take time to understand what retirement means for you.

Whether you have just started work, or are counting the days to retirement, pensions are one of the most important aspects of a financial plan. The earlier you start planning, the easier it will be to create the retirement lifestyle you want.

With life expectancy increasing, retirement now represents a far greater proportion of our lives than previously expected. We must accumulate more when we are earning to meet the extra costs of a longer retirement.

We will help you forecast your anticipated expenditure in retirement and put a flexible plan in place to achieve this. When you reach retirement, it is a time to ensure that benefits accumulated over a lifetime are taken back tax- efficiently. Since pension freedoms were introduced in April 2015, individuals no longer have to buy an annuity with their pension pot, but can take benefits in a variety of ways. This includes the option to keep the pension invested in retirement and/or withdraw cash as required.

We offer comprehensive, solution-orientated off shore pension advice for UK and non UK residents as well as individuals who are about to leave the UK. We utilise a number of proprietary pension schemes established under the laws of Guernsey, Malta and Gibraltar to meet these needs. We also offer advice in respect of other, non-proprietary, schemes where trustee and/or administration services are required.

We will look at all of these factors and additional areas such as inheritance tax planning to implement a retirement plan for you.

The Financial Conduct Authority does not regulate some aspects of buy to let mortgages
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
The value of your investment can go down as well as up and you may not get back the full amount invested.
Changes in the exchange rate may increase the sterling equivalent of your debt.
Accessing pension benefits early may impact on levels of retirement income and your entitlement to certain means tested benefits.
Accessing pension benefits is not suitable for everyone. You should seek advice to understand your options at retirement.

 

 

For you

Pembroke Consulting offers advice to clients on a wide range of financial services including the following:

For You

At Pembroke Consulting, we provide comprehensive financial planning services for private clients, whether you are saving for your first property or taking drawdown from your retirement funds.

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For Your Business

Our work at Pembroke Consulting brings us into contact with companies of all sizes across the UK. Our experienced team are able to offer complete advice to corporate clients, including their staff, from start-up to sale.

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For Tax Planning

Pembroke Consulting work closely with a team of Trustees, Chartered Tax Advisers and Chartered Accountants with broad industry experience and a proven track record in dealing with complex taxation.

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