Pension Finder

Please use the Pension Finder tool to find the most suitable Aurora Pension for you, or your client(s).

Concept specialises in the design and provision of domestic and international pension schemes for both individual (personal) and group (corporate) applicants.

Within Concept’s Aurora Pensions’ range there are a number of different types of pension arrangement, specifically designed to suit the specific needs and requirements of different types of client and each with differing scheme features and benefits.

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Q1. Are you an Independent Financial Adviser ("IFA")?

 

Q2. Are you looking for a Pension Solution for an individual (personal) or group client (corporate)?

Based on the information you have provided, an appropriate pension solution for your client, would be a group pension plan.

Schemes can potentially be white labeled with the relevant sponsoring company information and/or branding if required.

Aurora Group Pension Plan

Concept is able to provide tailored retirement benefits solutions to meet various group or company objectives.

As this usually requires a bespoke solution, the scheme will be arranged to best meet the specific circumstances and requirements of the client.

For further information on our Aurora Group Pension Plans please follow the link, or contact a member of the sales team on +44 (0) 1481 723550.

Q3. Is the pension for a Guernsey resident?

 

Q4. Would you like to transfer an existing UK registered pension?

 

Based on the information you have provided, an appropriate pension solution for your client, would be an approved Retirement Annuity Scheme that is also listed by HMRC as a QROPS, and as such, can accept recognised transfers from UK registered pension schemes.

RETIREMENT ANNUITY SCHEME WITH QROPS STATUS

Concept has various suitable Retirement Annuity Schemes it can offer, from cost effective multi-member schemes to more bespoke individual schemes.

For further information on our Retirement Annuity Schemes please follow the link, or contact a member of the sales team on +44 (0) 1481 723550.

Q4. Would you like to transfer an existing UK registered pension?

 

Q5. Is there a requirement for an approved pension which is exempted from UK Inheritance Tax ("IHT")?

 

Based on the information you have provided, an appropriate pension solution for your client would be the Aurora Europa Qualifying Recognised Overseas Pension Scheme ("QROPS").

Aurora Europa QROPS

There is a choice of schemes depending on your client’s requirements:

- Aurora Europa Pensions Trust: the scheme offers significant retirement and succession planning opportunities for individuals who have accrued UK pension benefits.

- Aurora Europa Lite Pensions Trust: the scheme offers significant retirement and succession planning opportunities for individuals who have accrued UK pension benefits. The scheme is aimed at individuals with pension transfers of between £25,000 and £100,000.

For further information on our Aurora Europa QROPS please follow the link, or contact a member of the sales team on +44 (0) 1481 723550.

Based on the information you have provided, an appropriate pension solution for your client would be the Aurora Libertaï QNUPS, which meets the UK prescribed criteria to be a Qualifying Non UK Pension Scheme (“QNUPS”), and as such, is afforded an exemption from UK Inheritance Tax ("IHT").

Aurora Libertaï QNUPS

There is a choice of schemes depending on your client’s requirements:

- Aurora Libertaï Retirement Benefits Trust: designed to provide a personal pension which is secure, flexible, portable and competitively priced, yet provides the potential for significant planning opportunities.

- Aurora Libertaï Retirement Benefits Contract: designed to provide a personal pension which is secure, flexible, portable and competitively priced, yet provides the potential for significant planning opportunities. The contract scheme provides a non-trust based alternative, which may be attractive for certain circumstances, such as for individual’s resident in a jurisdiction that does not formally recognise or understand trusts.

For further information on our Aurora Libertaï QNUPS please follow the link, or contact a member of the sales team on +44 (0) 1481 723550.

Based on the information you have provided, there are various types of approved and unapproved retirement and/or savings plans that may be an appropriate solution for your client.

Concept is able to provide tailored retirement and savings solutions to meet various personal requirements. As this usually requires a bespoke solution, the scheme will be arranged to best meet your specific circumstances.

For further information on bespoke arrangements please contact a member of the sales team on +44 (0) 1481 723550.