I would like to take this short moment to thank you for landed on our webpage. You are in very safe hands here with Callaghan Financial Services and your Financial Adviser Near Me search.
Let me tell you a bit about Callaghan Financial Services to give you a little client confidence before I get into how we can help with your Financial Advisor Near Me query.
Let’s start with our main two clients which are UK Expats with UK Pensions and Investments.
UK Expat with a UK Pension – Financial Advisor Near Me
Callaghan Financial Services can help with your UK Pension and we are even successful in unfreezing / locked UK Pensions. We have been assisting UK Expats with all their pension enquiries since 2006.
This is well openly and publicly documented on our Facebook which you can visit by clicking the little social icon on the top right of our page. If you would like us to look into your UK Pension under no obligation and completely free of charge, then let me tell you the process from start to finish.
The first step of the process is a requirement from your UK Scheme called a Letter of Authority or LOA for short which I will be using from now on within this article. This LOA let’s us request the sensitive information associated with your UK Pension together with the necessary documentation to facilitate a transfer should you wish to do so. There’s a lot of different schemes your UK Pension would be best suited within especially if you live abroad and have no intentions on returning to the UK.
Once our LOA has been signed and sent to your UK Scheme we will request that timescale on providing this information. Unfortunately a lot of these UK Providers providing the information is usually a very daunting task to say the least. It will most likely take myself and my colleagues weeks of calling, sending emails & in some cases writing to the UK provider.
If however, they do take a lot longer than advised usually by law it’s up to 30 working days to provide a Cash Equivalent Transfer Value (CETV) We have been successful in the past with filing complaints due to loss of investment and provide our clients with well deserved compensation.
So finally, we have received all the requested documentation and now it’s at the point where one of our G60 qualified advisers is going through your documentation. This process if fairly straight forward but each UK Scheme is different. (Are you glad you’ve come through to gcqrops.com with your Financial Advisor Near Me search?)
Turn around time from point of receiving documentation is usually 24 hours.
We would then request a meeting with yourself to discuss the options we present you and if we can see a better scheme opportunity for you than your current provider we will assist you with the documents to transfer into a Qualified Recognised Overseas Pension Scheme. There are many benefits of a QROPS and every scheme we that we recommend are on HMRC official website.
Benefits include naming a beneficiary on your QROPS. Should you pass away your pension will not go with you.
Tax Efficiency. We are not tax experts but if you live in Spain for instance like we do then your UK pension can prosper from the QROPS Schemes we recommend.
No waiting for valuations or paying for them! Your UK Scheme may charge you for a valuation but we don’t and never will.
24/7 Online Access – View your portfolio from your phone, desktop or tablet wherever you are. You can even download our app that has this feature in place.
Quarterly Investment Reports – Don’t like checking your portfolio every second of the day? No problem, we have you covered with quarterly investment proposals sent straight to your device via email.
If you decide not to transfer then we will close your file and we can always reopen it if you wish to do so in the future. Please note however the first CETV is requested from your UK Scheme free of charge but the second calculation can run into hundreds of pounds. CETV don’t last forever also and usually only have between a 1-3 month window before they expire and the UK Scheme requires you to purchase the new calculation.
Investment – Your Financial Adviser Near Me (Well, near you…)
You’ve probably worked hard for your money, most people do! That’s why you’re here! Financial Advisor Near Me will show you hundreds of webpages but you stuck around to the end.
That’s why at Callaghan Financial Services we provide Risk Assessed Portfolios to match the type of investor you are. You will be presented with a list of 30 questions that you’ll answer and upon completion we will be able to calculate whether you’re a Defensive, Cautious, Balanced, Growth, Adventurous Growth or Speculative investor. If the score shows different than what you was expecting then we can also provide you with a portfolio that suits your intentions.
“No one can guarantee returns but past performances can give you the confidence to invest with Callaghan Financial Services” as said by the Hollywood film actor Mr Eric Roberts.
