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Within this website we offer access to mainstream life and investment products as well as savings plans on a regular and lump sum basis, and all at discounted costs. These massive savings are available because we offer our service through the internet at low cost and because our business model is not based around high commissions like most salesmen. We offer an execution only service which is the way of obtaining the biggest cost savings and discounted costs, We also offer through business partners access to high quality advice from qualified experts in several regions of the world including from the UK (but not to the UK), United Arab Emirates, Moscow, Hong Kong, France, Singapore, Qatar, Azerbaijan, Uruguay, Argentina, Guyana, Bahrain, Poland, Mexico, Panama, Brazil, Puerto Rico, Kazakhstan, Switzerland, Paraguay, Thailand, Spain, Saudi Arabia, Canada, Netherlands Malaysia and Peru. Even where we offer advice this will still result in products being selected and recommended at discounts and massive savings from what is available from so called big IFA worldwide firms. We understand that there is an issue of trust and so we do not ask for any money, savings or investments to be made in our name or to us. In fact we recommend that you send your investments, savings and money directly to the product providers like Royal Skandia, Generali, Hansard, Friends Provident, IOMA, Royal London 360. We can provide a brochure which outlines the background and reasons for considering a QROPS / QNUPS, the difference between them and how they can be utilised. We can provide comparative illustrations and tables within this website and in dedicated ways, all showing our unique positioning of offering products at discounted rates execution only or from advice. We pride ourselves not just on being cheaper than salesman, but also the access to the highest quality advice allows us to offer a service which is matched by few. We can offer advice on lump sum, regular premium, savings plans, pensions, investments and funds all offshore (outside the UK and the US) to expats all over the world from our base in the UK. Alternatively we have a salesforce from connected parties who have agreed and signed up to our “product promise”. Our “product promise” is that we will always seek to do what is right for you the client, and reduce commissions and costs and therefore eliminate where possible surrender penalties and provide flexible access to savings and investments.

We can provide a brochure which outlines the background and reasons for considering a QROPS / QNUPS, the difference between them and how they can be utilised.In April 2006 UK pension legalisation changed significantly as a result of the 2003 European Union directive on free movement of capital.  This change allows the transfer of UK based pension schemes into an arrangement called a Qualifying Recognised Overseas Pension Scheme (QROPS)  You should only use QROPS providers that are authorised by HMRC and can evidence continued compliance with the QROPS rules set out in pension legislation.   Qualifying Recognised Overseas Pension Schemes (QROPS)  We will seek to offer cost effective overseas pension solutions to private or commercial clients wherever they are in the world  There are many QROPS options available to our clients to meet their own specific requirements. EME can tailor the overseas pension solution using independent QROPS providers based in several locations such as the Channel Islands, Malta and New Zealand.  All the EME QROPS schemes we advise on are registered with HMRC in the United Kingdom. Our QROPS service liaises with the pension trustees, pension custodians and your UK based pension administrators to collate all the relevant administration and paperwork for each pension transfer to ensure the transfer is processed as smoothly as possible.  Qualifying Non-UK Pension Schemes (QNUPS)  In February 2010, a new HMRC statutory instrument came into force This creates significant opportunities for British expatriates to save local taxes in the country in which they are tax resident as well as UK inheritance tax (IHT).The UK legislation created a new type of trust known as Qualifying Non-UK Pension Schemes (QNUPS) - which should not be confused with Qualifying Recognised Overseas Pension Schemes (QROPS). The purpose was to correct an error in the 2004 Finance Act to ensure any transfer to a QROPS would not become liable to UK IHT.  QNUPS allow retired expatriates to continue to put money into a pension scheme:   There is no maximum age at which you can invest in a QNUPS. The member does not need to have any earned income from employment in order to make a contribution. There is no maximum contribution that can be made into a QNUPS.  The rules are sufficiently flexible to allow persons over 85 years of age who have been retired for 25 years to put large investments into a QNUPS and immediately create significant tax advantages for themselves.  The benefits of QNUPS for retired British expatriates A QNUPS is a pension scheme trust and as such you are entitled to take a cash lump sum and income during your lifetime. The remainder of your fund being available to pass on to your spouse or heirs on your death free from all UK taxes.  QNUPS and UK Inheritance Tax A QNUPS will avoid UK inheritance tax even if the pension member is UK domiciled. There is no need to wait seven years to avoid the tax or have to give the assets away, so the member and their spouse/partner can continue to benefit from the assets.  QROPS and QNUPS If the member already has a QROPS, then effectively they have a QNUPS. The only difference is that a QNUPS may invest in property or indeed other non-regulated investments (e.g. fine wine and antiques). If a QROPS is investment regulated (normally advisable) then the member may not invest in such non-regulated investments. This is due to the 2004 UK Finance Act which raises a 70% tax charge on any property investment made with UK pension transfer monies.  Thus an investment regulated QROPS (a taxable Asset Transfer Fund - TATF) will have serious implications on transfer to a QNUPS and care needs to taken if considered.