{"id":13873,"date":"2024-07-31T20:04:39","date_gmt":"2024-07-31T18:04:39","guid":{"rendered":"https:\/\/pattersonmills.ch\/?page_id=13873"},"modified":"2025-02-06T20:24:41","modified_gmt":"2025-02-06T19:24:41","slug":"lawsons-network-uk-pension-transfer-service","status":"publish","type":"page","link":"https:\/\/pattersonmills.ch\/fr\/lawsons-network-uk-pension-transfer-service\/","title":{"rendered":"Lawsons Network UK Pension Transfer Service"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"13873\" class=\"elementor elementor-13873\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4908407 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"4908407\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f4b4560\" data-id=\"f4b4560\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dd588b8 elementor-widget elementor-widget-image\" data-id=\"dd588b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/pattersonmills.ch\/wp-content\/uploads\/2024\/08\/lawsons-network-copy.jpg\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bd8b3db elementor-section-full_width elementor-section-height-min-height elementor-section-items-stretch elementor-hidden-mobile elementor-section-height-default\" data-id=\"bd8b3db\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f625527 elementor-invisible\" data-id=\"f625527\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2300c71 elementor-widget elementor-widget-spacer\" data-id=\"2300c71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-36aad41\" data-id=\"36aad41\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cff4d26 animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"cff4d26\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0.5}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Alongside existing network Member, Patterson Mills S\u00e0rl, Lawsons Network provides our global network of Members a UK pension transfer service, fully licensed and regulated in the UK.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f6ed715 elementor-section-full_width elementor-hidden-desktop elementor-hidden-tablet elementor-section-height-default elementor-section-height-default\" data-id=\"f6ed715\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-970f095\" data-id=\"970f095\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e73d8ba elementor-widget elementor-widget-image\" data-id=\"e73d8ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/pattersonmills.ch\/wp-content\/uploads\/2023\/11\/AdobeStock_390070112-scaled.jpeg\" class=\"attachment-full size-full wp-image-11323\" alt=\"UK Pensions\" srcset=\"https:\/\/pattersonmills.ch\/wp-content\/uploads\/2023\/11\/AdobeStock_390070112-scaled.jpeg 2560w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2023\/11\/AdobeStock_390070112-300x200.jpeg 300w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2023\/11\/AdobeStock_390070112-1024x683.jpeg 1024w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2023\/11\/AdobeStock_390070112-768x512.jpeg 768w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2023\/11\/AdobeStock_390070112-1536x1024.jpeg 1536w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2023\/11\/AdobeStock_390070112-2048x1365.jpeg 2048w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2023\/11\/AdobeStock_390070112-18x12.jpeg 18w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2023\/11\/AdobeStock_390070112-1200x800.jpeg 1200w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2023\/11\/AdobeStock_390070112-1980x1320.jpeg 1980w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c5c6bca elementor-section-full_width elementor-hidden-desktop elementor-hidden-tablet elementor-section-height-default elementor-section-height-default\" data-id=\"c5c6bca\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-95806ea\" data-id=\"95806ea\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-af68b85 animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"af68b85\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0.5}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Alongside existing network Member, Patterson Mills S\u00e0rl, Lawsons Network provides our global network of Members a UK pension transfer service, fully licensed and regulated in the UK.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5ec5f65 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"5ec5f65\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ec821af\" data-id=\"ec821af\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8a8415e animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8a8415e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comment \u00e7a marche<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0dfc2ad animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"0dfc2ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0.5}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This service offers a full advice suitability report, with UK regulated advice and UK IFA sign-off where needed.<\/p><p>Due to Patterson Mills\u2019 close links with the UK, it has a wealth of experience with the ins-and-outs of all pension transfer types. Indeed, Managing Director, Edward Mills, has over 38-years of experience in this sector.<\/p><p>This means that our Lawsons Network UK Pension Transfer Service is ideally positioned to assist you and your clients in bringing their UK pension fund money into your potential AUM universe, whether it\u2019s using an International SIPP, QROPS, or other International Pension Plan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-00637ac elementor-hidden-mobile elementor-invisible\" data-id=\"00637ac\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-88261d7 elementor-widget elementor-widget-spacer\" data-id=\"88261d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-999432b elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"999432b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1ba8281\" data-id=\"1ba8281\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bce8187 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"bce8187\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Transfer types covered<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81eada4 animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"81eada4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0.5}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Defined Contribution (DC) Transfers<\/strong><\/p>\n<p>These can be a Personal Pension, Section 32 buy-out Plan, or an Occupational Money Purchase Scheme. Where there are safeguarded benefits, the UK pension scheme trustees will require a UK IFA advice sign-off. These benefits can be any of the following:<\/p>\n<ul>\n<li>Guaranteed Minimum Pensions (GMPs)<\/li>\n<li>Section 9.2 (b) &#8211; Reference Scheme Tests<\/li>\n<li>Drawdown contract with inherent guarantees (\u201c3<sup>rd<\/sup> way pensions\u201d)<\/li>\n<li>Guaranteed Annuities<\/li>\n<li>Tax-free cash protections \u2013 not technically \u2018safeguarded\u2019 though important.<\/li>\n<\/ul>\n<p>The advice suitability report protects you, whilst your Client can feel 100% comfortable that the right UK licensed advice has been sought and provided.&nbsp;<\/p>\n<p>The UK pension provider is satisfied by the UK IFA Advice Certificate being signed by an appropriately regulated UK Advice Firm.<\/p>\n<p><strong>Defined Benefit (DB) Transfers<\/strong><\/p>\n<p>These are more heavily regulated, and Patterson-Mills in the UK has partnered with a close connection that provides qualified DB Transfer Advice. This involves a detailed client journey, starting with initial exploration of the subject with the client, known as \u201cAbridged Advice\u201d. This is followed, if it has resulted in a classification of the DB scheme funds in question as being potentially in client interests to transfer, by the \u201cFull Advice\u201d stage.<\/p>\n<p>The abridged advice is currently offered without charge to the client. There is a small \u00a375 charge to Money Alive, a financial educational company that provides video content necessary to be viewed by the client. This video educational content provides important regulatory verification that the client understands the concepts.<\/p>\n<p>For DB schemes, it is recommended that a minimum Cash Equivalent Transfer Value (CETV) is \u00a3100,000.<\/p>\n<p>Although there are exceptions, generally your client must be aged 55 or over to receive DB transfer advice using this service.&nbsp;<\/p>\n<p>Such exceptions could be where there is serious ill-health, or a transaction need to be started prior to 55 in order to complete efficiently at age 55. Another exception would if the client is deemed a professional investor with extensive fund knowledge and an understanding of risk, reward and loss.&nbsp;<\/p>\n<p>Regardless of exceptions, there is no access to funds, if transferred, prior to age 55. In fact, for those born after 5<sup>th<\/sup> April 1971, it\u2019s age 57.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd4d19c elementor-align-left elementor-invisible elementor-widget elementor-widget-button\" data-id=\"dd4d19c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:1}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/pattersonmills.ch\/fr\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Nous Contacter<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-10ad7b6 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"10ad7b6\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fcaf01d\" data-id=\"fcaf01d\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e10cfc1 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"e10cfc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fees and charges<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa623d6 animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"aa623d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0.5}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Patterson Mills S\u00e0rl charges a fee for its service, payable by your client to Lawsons Network AG.<\/p>\n<p><strong><em>DC transfer service<\/em><\/strong><\/p>\n<p>UK regulatory requirements mean that a suitability of advice letter is required from Patterson-Mills regulated in the UK, along with sign-off (where needed) for the certification of safeguarded benefits.<\/p>\n<p>Our standard fee, charged via Lawsons Network AG, is CHF 2\u2019500.- for the first pension scheme.<\/p>\n<p>Each additional pension scheme provided within the same Transfer Suitability Pack (for example, one client with multiple schemes) is charged at CHF 1&#8217;500.-.<\/p>\n<p><strong><em>DB transfer service<\/em><\/strong><\/p>\n<p>For amounts above \u00a330,000, this is a highly complex advice process and the costs vary with the CETV amount. The key is to ensure that Full Advice fees are avoided unless absolutely necessary. This is done by having highest quality Abridged Advice at the start of the process.&nbsp;<\/p>\n<p>Thus, if full advice is undertaken, the idea is that the outcome of the Abridged Advice would have been that it is \u2018highly likely\u2019 to be deemed appropriate to transfer-out, should the client wish to do so. This would mean that the non-contingent fees to which the client would have agreed, would only be incurred when making a successful transfer-out. Then, the advice fees would come from the pension transfer fund itself, via the new pension or QROPS provider.&nbsp;&nbsp;<\/p>\n<p>Our DB transfer partners are highly qualified and greatly experienced in this specialist sector, transacting DB advice services on a daily basis. In other words, DB advice is all our partners do and so the service has been finely tuned to work and uses the latest digital processing, making it easy to implement in the international marketplace.<\/p>\n<p>Typically, the cost of Full Advice for DB transfers would be in the region of 2% to 5% of the amount, the higher the CETV, the lower the comparable percentage cost overall.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f004ae7 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"f004ae7\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1c3693e\" data-id=\"1c3693e\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30eee1b animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"30eee1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is a pension transfer right for your client?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e94ab58 animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"e94ab58\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0.5}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There are benefits of transferring a UK pension fund to a new pension scheme.\u00a0 This could be to an International SIPP &#8211; to merge funds onto one platform.\u00a0 Alternatively, to an approved QROPS, enabling you to manage the client funds in a properly aligned way, alongside their other investments that you are managing.\u00a0<\/p><p>However, it can be a complex process that requires specialist advice.<\/p><p>With regards to a DB scheme, UK law actually requires you to take advice before surrendering your DB pension if receiving a transfer value (CETV) of more than \u00a330,000.<\/p><p>All transfer advice must come from a Financial Conduct Authority (FCA) authorised firm.<\/p><p>Lawsons Network, with Patterson Mills, know how to get pension transfers done as seamlessly and efficiently as possible.<\/p><p>Vous avez trois grandes options en mati\u00e8re de prestations de retraite au Royaume-Uni :<\/p><ul><li>Transfer-out to an International Pension Plan, registered with HMRC as a UK pension (e.g. an \u201cInternational SIPP\u201d).<\/li><li>Leave the funds in the UK scheme.<\/li><li>Transfer to a QROPS, or other International Pension Plan, subject to prior residency tests and tax assessments.<\/li><\/ul><p>A qualifying recognised overseas pension scheme (QROPS) must be registered with HMRC and is usually only available from age 55.<\/p><p>An International SIPP remains under UK pension rules.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7038e35 elementor-hidden-mobile elementor-invisible\" data-id=\"7038e35\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2d34136 elementor-widget elementor-widget-spacer\" data-id=\"2d34136\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b0ebe3 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"4b0ebe3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9ec8cb4\" data-id=\"9ec8cb4\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ff4373 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4ff4373\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The benefits of this service<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e601c9 animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"9e601c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0.5}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The key here is that Lawsons Network is providing its members with a cross-border service that complies with UK regulatory rules for UK pensions.<\/p><p>Our international dimension means that the Patterson Mills S\u00e0rl in Switzerland can deal with your client internationally, whilst Patterson-Mills Financial Planning Limited in the UK is able to offer UK compliant advice that satisfies the UK pension providers.<\/p><p>For your clients:<\/p><ol><li>A pension free from future UK taxes and (somewhat ad-hoc) changes in UK laws<\/li><li>Consolidate their schemes under one roof<\/li><li>Provide regulated advice in the relevant jurisdiction<\/li><li>Overcome any complications of being in an underfunded UK defined benefit scheme<\/li><\/ol><p>Although an underfunded DB scheme has the Pension Protection Fund (PPF), it is not as comprehensive as it may at first appear and rarely provides anywhere near 100% protection in asset value terms.<\/p><ol><li>Avoid exchange rate risk<\/li><li>Establish control of investment choice<\/li><li>Freedom from UK rules in the longer-term<\/li><\/ol><p><strong>UK Overseas Transfers <\/strong><\/p><p>These are where a UK pension scheme is transferred to a non-UK pension. The most commonly used is a Qualifying Recognised Overseas Pension Scheme (QROPS). This \u00a0is an HMRC recognised overseas pension scheme which has been registered with HMRC.<\/p><p>This means the pension provider for the QROPS must have provided details and evidence to HMRC that:<\/p><ol><li>The scheme satisfies all the UK HMRC requirements to be a qualifying recognised overseas scheme<\/li><li>The scheme will notify HMRC if the scheme ceases to be a qualifying recognised overseas scheme and supply them with information when making certain payments<\/li><li>The scheme must not have been excluded from being a QROPS. Exclusion may happen if the scheme fails to comply with any of the HMRC requirements<ol><li>If this happens, HMRC must inform the scheme manager within 30-days. There is an option to appeal this decision<\/li><\/ol><\/li><\/ol><p>Bien qu'un r\u00e9gime puisse \u00eatre reconnu comme un QROPS, la l\u00e9gislation fiscale locale peut ne pas autoriser un transfert vers ce r\u00e9gime.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b47ac5e elementor-align-left elementor-invisible elementor-widget elementor-widget-button\" data-id=\"b47ac5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:1}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/pattersonmills.ch\/fr\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Nous Contacter<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-27a2c1f elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"27a2c1f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-63a4022 elementor-hidden-mobile elementor-invisible\" data-id=\"63a4022\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-47d382d elementor-widget elementor-widget-spacer\" data-id=\"47d382d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-1539d95\" data-id=\"1539d95\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2879f45 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"2879f45\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">New rules for overseas transfers <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de5024d animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"de5024d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0.5}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Transferring to a QROPS is subject to the new HMRC Overseas Transfer Rules, which replaced the previous benefit crystallisation events (BCEs) relevant to transfers from the UK to an overseas pension arrangement.<\/p><p>The scrapped Lifetime Allowance, from 6<sup>th<\/sup> April 2024, has been replaced by the Overseas Transfer Allowance (OTA).<\/p><p>The OTA is \u00a31,073,100.\u00a0<\/p><p>Transfers in excess of the OTA are subject to a tax charge by HMRC and so great care is needed from a planning perspective for larger pension funds.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Alongside existing network Member, Patterson Mills S\u00e0rl, Lawsons Network provides our global network of Members a UK pension transfer service, fully licensed and regulated in the UK. Alongside existing network Member, Patterson Mills S\u00e0rl, Lawsons Network provides our global network of Members a UK pension transfer service, fully licensed and regulated in the UK. How [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-13873","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/pages\/13873","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/comments?post=13873"}],"version-history":[{"count":73,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/pages\/13873\/revisions"}],"predecessor-version":[{"id":14651,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/pages\/13873\/revisions\/14651"}],"wp:attachment":[{"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/media?parent=13873"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}