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Directory of financial advisors in the Barcelona region of Spain. If you would like to be included in the directory simply email Directory@FinanceSpain.com Investments | Pensions | QROPS | Insurance | Offshore Funds | Inheritance Tax Planning | Mortgages
 As a unique individual, Imperius understand that your investment solution should be just as unique. Their approach is to agree realistic financial objectives and risk profile with you, and then to couple them with their philosophy of diversification and active management. As your financial partner, they work hard to achieve your goals.How Imperius manage your wealth Imperius Asset Management is authorised to manage investments within tax-efficient, whole of life assurance policies, sometimes known as ‘personal portfolio bonds’. Once the bond is established, a range of investments can be placed in the wrapper for the purpose of growing the overall value of the life assurance policy. Features of a personal portfolio bond Personal portfolio bonds are established for medium to long term wealth management, but one of the advantages of this type of bond is in the investor’s ability to surrender it should he or she wish to. The second feature is that the surrender value is directly linked to the value of the underlying funds proposed by our investment specialists and agreed by the investor. An additional, and very important feature of the bond means that the investor can make changes to the underlying funds, and that these ‘switches’ do not trigger a capital gains tax disposal. The benefits of a bond The combination of the three policy features above, means that a personal portfolio bond is an investment tool similar to a unit trust, investment trust, share portfolio or deposit account, but different in that it does not produce income – and this particular feature can give investors a huge tax advantage over other forms of investment. 
Underlying fund choicesUse of a portfolio bond structure within a life assurance policy allows the policyholder access to a very wide spectrum of investment choices, beyond the collective level of a standard assurance policy. The increased number of fund opportunities available, allows for greater diversity and more precise customisation of the personal portfolio bond.
Making good decisions about your future
For some of you, retirement will be a long way off, and for others, it might be too close for comfort! Whatever your situation, now is a good time to review your financial plan and, possibly, to adjust it to create a portfolio that it more likely to meet your needs. As an expatriate, recent UK legislation has been introduced to give you significant advantage over your UK-based peers, but many people remain locked-in to plans and policies that do not make full use of these allowances. Imperius Wealth Management Consultants are trained to know the pension options open to UK expatriates, and are waiting for you to contact them to discuss your individual situation and needs. QROPS: Qualifying Recognised Overseas Pension Scheme If you are thinking about enjoying your retirement outside of the UK, then a government approved overseas pension scheme provides you with an opportunity to maximise your retirement income and avoid the pitfalls of UK tax and regulations. A QROPS gives your greater control of your pension at retirement and provides valuable benefits for your spouse and your children. Some of the benefits: • No annuity purchase required • 100% of fund for surviving spouse and their children • Free from UK Inheritance Tax after five years • More freedom to invest QNUPS: Qualifying Non-UK Pension Scheme QNUPS came about through legislation introduced on the 15th February 2010, and corrected the situation whereby UK pension funds transferred into a QROPS might have been liable to UK IHT charges. A QNUPS needs to satisfy similar conditions as a QROPS and broadly enjoys the same benefits, but with added advantages: • Trustees do not have to report back to HMRC • No limit to contributions, or size of the fund • Income in currency of choice, reducing currency risk • Immediately exempt from UK taxes on death • Broad range of assets can be include  |
 There are many wealth management companies that would like to help you, so why choose Imperius ? We hope that this will become obvious the more you get to know them, but some of the things that are important for you to consider are…
Imperius have developed relationships with expert investment advisors (Novium AG), specialist pensions advisors and market-leading offshore providers to ensure that you get the best advice and products. They have invested in their own organisation so that they can provide a first-class range of services and products for you.
Barcelona Office Gran Via Corte Catalanes 149 08014 Barcelona Spain T: 0034 681 157 169
A QROPS is an offshore pension allowing expats to move their UK pension overseas, and obtain various tax & flexibility benefits. If you would like a breakdown of the featuers and benefits of different QROPS, and which could be appropiate for your needs, simply complete the form below, to be put in contact with a regulated expert. Make an informed decision on your pension plans.
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