Pensions

Heritage Groups’ financial experts have over one hundred and fifty years’ experience in the establishment and administration of occupational, international and personal pension schemes for individuals and organizations in Guernsey and further afield. Our corporate clients include trust companies, partnerships, professional services firms, banks and large limited liability companies.

Innovation and flexibility are fundamental to our approach.

Multi–member Retirement Annuity Trust Scheme — has been developed specifically for Guernsey residents in response to the limited options currently available locally. With its minimal set–up fee and low ongoing charges, this is proving to be an extremely cost effective, flexible and popular option.

Endeavour International Plan — this is aimed at people who have either left or are planning to leave the UK but retain a UK pension plan. Currently these individuals are required to pay income tax on the drawdown of the pension as well as to take benefits from that plan in the form of an Annuity of Alternatively Secured Pension (ASP). In either case, tax will be payable in the UK upon drawdown and, in the case of an ASP, potentially on death. Through this Plan we have a solution.

Additional facilities include:

1. A commission–based consultancy service providing company employees with independent guidance on the most effective use of their accrued benefits
2. Assistance with the selection and structuring of company pension schemes and employee benefit trusts for businesses looking to incentivise their key personnel
3. Advice on moving from Final Salary to Money Purchase schemes due to our extensive involvement in the administration of both types.

To find out more, visit the Endeavour International Pensions website.

Key services

• Corporate pensions
• RATS
• QROPS
• Employee benefit trusts
• Consultancy

Key Contacts

	Contact: Mark Pattimore Position: Director Send Email