Calling UK Public Sector Pension Scheme Members..,

CLICK to find out what your pension scheme is not telling you!

CLICK HERE to claim a FREE pension assessment report NOW

Unfortunately, pension promises for providing current income levels in retirement are unsustainable, mainly due to the ballooning liabilities of these unfunded schemes.

Government reforms to address this has created many new changes to the schemes, resulting in approximately 4 million public sector workers will see huge reductions in their pensions, along with raising the state retirement age for access.

BONUS:
Register for an in-depth overview now, and I’ll also send you the top actionable compliant strategies which many individual members are using to secure their pensions.

Claim your FREE comprehensive pension assessment valuation report HERE

UK Debates Money Creation £ !!

For the first time in 170 years, the British Parliament is going to debate how money is created.

The debate will be broadcast live on Thursday, November 20th starting between 12.30 & 1.00PM GMT, or 07.30 EST on the Parliament TV Channel;  Link to the UK Parliament Channel

From Bill Still, director, narrator, and producer of the documentary films The Money Masters and The Secret of Oz, both of which critique the system of monetary control by the U.S. Federal Reserve System.

Transfer your UK or Ireland’s Pension Plan into Qualifying Recognised Overseas Pension Schemes

If you have a pension in UK or Ireland, and now either reside in another country, or plan to, you can transfer your pension into a QROPS, short for Qualifying Recognised Overseas Pension Schemes – and access a host of benefits.

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Click image for FREE Pensions Transfer Guide

QROPS offer some significant advantages no other type of pension scheme can.

QROPS Benefits
30% Lump Sum Available
Flexible income drawdown rules
No obligation to ever buy an annuity
Avoid high tax on pension income
Consolidate pensions into one easy to manage fund
Greater investment flexibility
Currency of your choice
Retirement age of 50
Transparent charges
Avoid further changes to UK tax and pensions legislation

There are now over three thousand QROPS available, and a myriad of different pension structures on offer.

Finding the best solution for your needs can be frustrating & time consuming, which is where I can help:

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Click image for FREE Pensions Transfer Guide

Email: adrian.rowles@devere-group.com for a FREE Pension Scheme Transfer Guide and an update on the safest tax efficient jurisdictions offering high yielding income.

New powers to take cash from your bank accounts!

Telegraph Link: Tax Man Can Raid Your Bank Account

The tax authorities admitted this week that about 17,000 people a year would be targeted under the new measures, set out in the Budget and designed for use against people who owe them money….

David Cameron: Taxes will rise unless we can raid bank accounts

Taxes will have to rise unless officials are given new powers to raid people's bank accounts, David Cameron has said

Taxes will have to rise unless officials are given new powers to raid people’s bank accounts, David Cameron has said

How much interest are you rewarded for the risk of confiscation by keeping your money in the bank?

Government’s answer, raise taxes !?

mmmm, Maybe that will stop the capital flight to safe offshore tax friendly jurisdictions with potential higher savings & investment returns.

The Huge 55% Tax charge effective April 6th !

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The NEW Tax liability increases 41 days from now on UK pension schemes that breach the reduced LTA threshold !?

This means that over half of retirement savings could be taken away from UK held pensions because of the new Tax threshold change on April 6th, 2014.

This massive Tax charge is decided by a calculation that tests it’s value against the LTA (Life Time Allowance) to do this the income needs to be capitalised. This is achieved by multiplying the income by 20 & adding any additional PCLS (Pension Commencement Lump Sums)

DB pensions (Final Salary Scheme) exceeding £62,500 are more likely to breach the new LTA threshold!
Even more people may be caught out if the LTA threshold continues to fall even lower before retirement (Death in service is also calculated as part of LTA at 3-4 times your salary)

Do nothing may result in higher losses to your hard earned retirement money!  Or find out NOW if you qualify to prevent the increased tax liability effective in 41 days & counting down.

That’s of course is if your pension fund is still around at retirement, as 97% of all UK pensions are underfunded with a widening deficit!

Some of the biggest companies in the UK have pension liabilities so large that even if the entire company was sold, it still could not honour even half their pension payments to its future retires! Did you pay into this company pension scheme & waiting for promised retirement payments? When did you last review your pension position & rules?

What are the government & companies response?

Some companies have attempted one off contributions to lower the deficit, but with pension fund investment returns lower than inflation & expenses, these efforts are short lived.
All final salary schemes are now closed to new employees, which along with lower employment opportunities reduces the number of contributors to support the increasing number of retires.
Raise retirement age!
Raise member contributions!
Raise individual pension tax liabilities!
Raise the cost of living thru inflationary monetary policies by competitive currency debasement!
Reduce pension funds investment returns thru investment restrictions & by keeping interest rates at artificially low levels in favour of debtors!

Sounds like a plan, but for who?

Future promises are already being broken on your savings that were paid into pension schemes! some people don’t have to accept this, there are preventative actions. Have you found out your position?

Get advised now! or pay the increasing costs later.

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Bank to Depositors : It’s not your money !

Podcast from mcalvany weekly commentary.

Lib Dem wealth tax leak: New levy on £50k earners proposed

New additional TAX coming for incomes over £50,000!
Job promotions may reduce net income if salary & bonus exceed new potential thresholds. Also consider future taxable pension & investment income.
Hope is not an effective strategy, wealth planning in a tax friendly strategy is.

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‘We are looking at how the richest 10% of people, those earning over £50,000, could make a further contribution.

The vast majority of people in the country would consider £50,000 a very large salary: these are not the middle income earners.’

Read More; Revealed: Secret Lib Dem plan to increase tax for millions on over £50,000 hidden in email to ministers

Lib Dem wealth tax leak: new levy on £50k earners proposed | News | The Week UK.