What it is, and what it isn't.
A QNUPS is a non-UK pension scheme that, under specific conditions, allows assets contributed to it to fall outside the UK inheritance tax estate.
It is also a vehicle that demands real care: it must be a genuine pension, used for genuine retirement, with appropriate contributions. We assess suitability carefully.
Why our clients use it.
The four things our clients most often tell us they value, drawn from a decade of conversations about this part of our work.
Outside UK IHT
Assets correctly held in a QNUPS sit outside the UK inheritance tax estate.
No UK contribution limits
Contributions are not limited by the UK annual allowance, allowing larger funding where appropriate.
Asset flexibility
Can hold a wide range of assets including residential property in some jurisdictions.
Succession planning
Remaining funds can pass to beneficiaries with greater flexibility than a UK scheme.
A simple, four-step engagement.
From the first call to ongoing service: what to expect, and when.
Suitability
A detailed assessment of whether a QNUPS genuinely fits your circumstances.
Structuring
Choice of jurisdiction and trustee, documented contribution rationale.
Funding
Contributions made and recorded, with a clear pension purpose.
Administration
Annual reporting and trustee liaison handled by us on your behalf.
The questions we actually get asked.
If yours isn't covered, we're an email or a phone call away; see Contact below.
Start the conversation.
We offer an initial consultation without fee or obligation. It is a chance to discuss your circumstances and determine if our approach fits your needs.