Regulated Chartered Financial Planners

From April 2027, a UK SIPP will be included in your estate upon death and become liable for Inheritance Tax (IHT). 

This means your beneficiaries could face a 40% tax bill. Many advisers have overlooked this change, leaving clients exposed to tax liabilities.

If your SIPP isn’t set up correctly, your family could lose a large portion of your savings. A second opinion can help protect both your retirement and legacy.

Are your investments on track to meet your financial goals?

Are your investments structured to benefit you—or your adviser?

Are you overpaying for advice and fund management?

Easily Identify Warning Signs

🚩 Your investments are underperforming compared to index funds like the FTSE 100.

💬 Advisor Might Say: "Markets are going through a rough patch—you need patience..."

🚩 You have no strategy to protect your SIPP from UK Inheritance Tax in 2027.

💬 Advisor Might Say: "This won’t affect you—your pension is already tax-efficient..."

🚩 You're in a high-commission, company-branded fund or exclusive products.

💬 Advisor Might Say: "This fund is only available to select clients like you..."

🚩 Your adviser never provided a clear breakdown of fees and charges.

💬 Advisor Might Say: "All fees are included—there’s nothing extra to worry about..."

🚩 You were advised to invest in products such as property bonds, private equity, or art.

🚩 Your adviser is not qualified or holds certificates equivalent to an O-Level or BTEC.

If any of these red flags apply to you, it’s time for a second opinion. Many investors assume poor performance is due to market conditions, but high fees and hidden commissions often drag down pensions. Your SIPP could be costing you thousands.

Before the Review: John, an expat in Dubai, was cold-called by an offshore adviser who convinced him to consolidate multiple UK pensions into a SIPP. The adviser promised "fantastic returns" via "greater control," but in reality, John paid nearly 10% in year one, plus an ongoing 3.65% annual charge—without seeing any returns due to the high fees.

✅ The Outcome: After our second opinion, John switched to a cheaper trustee, saving £450 per year. More importantly, he was helped to move from high-cost, commission-heavy funds to low-cost exchange-traded funds (ETFs), reducing his overall funds fees to just 0.35% per year—a 90.41% reduction in costs. Over 10 years, this change alone will save him more than £40,000 in unnecessary charges.

Before the Review: Sarah, a UK national living in Hong Kong, was advised to invest her entire SIPP into high-yield property bonds, marketed as "safe and stable." Two years later, the bond collapsed, leaving her unable to access her pension. She was told nothing could be done and feared she had lost everything.

✅ The Outcome: We helped Sarah file a claim with the UK Financial Ombudsman. After a thorough investigation, she was able to recover a significant portion of her lost funds—money she was previously told was "gone forever."

A free review could uncover costly mistakes—before it’s too late.

Not All Advice Is Created Equal

Research shows that over 60% of offshore pension transfers have involved excessive fees or unsuitable products.

In 2022, the UK Financial Ombudsman upheld over 75% of cases involving mis-sold pensions.

Some firms earn between 10-15% in upfront commissions without disclosure, selling products in their own interest.

Based on 857 verified client reviews

Take the first step toward reviewing your SIPP and making sure it’s aligned with your goals:

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We do not provide financial services. Any advice received will be from a regulated and qualified financial professional.