Services

- What we have to offer you -

"We provide our clients with bespoke financial solutions to suit their personal needs and objectives"

Wealth Management


Wealth management advice to individuals, trustees and businesses, which is specifically designed around their individual circumstances. We will take the time to get to know you and your requirements, offering sound and trustworthy financial advice that adapts as your needs change over time.

The value of an investment with CI-Associates will be directly linked to the performance of the funds selected.

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Wealth Management
Investment Planning

Investment Planning


Creating and maintaining the right investment strategy plays a vital role in securing your financial future. Whether you are looking to invest for income or growth, we can provide the quality advice, comprehensive investment solutions and ongoing service to help you achieve your financial goals.

We offer a range of carefully constructed, risk-rated portfolios that enables you to spread your investments across a wide range of asset types and countries, and to choose fund managers with different investment styles to create a balanced and diversified investment solution.

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Retirement Planning


Regardless of the life stage you have arrived at, it is important to receive expert and professional advice on your pension plans and requirements.

Whether you need to set up or review existing retirement planning strategies, for you or your employees, CI-Associates has ways to help you make the most of your retirement opportunities.

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Retirement Planning
Banking & Mortgages

Banking & Mortgages


We understand that people have little time to manage their finances as effectively as they would like. That’s why at CI-Associates we take the time to get to know you and your requirements, so that we can find the right solution to make your money work harder for you.

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Advice for Businesses


Running a business today takes a great deal of hard work and commitment. Increasingly, the pressures of running a successful business take priority over the time spent on planning your and your employees’ financial security.

CI-Associate Partners are not only experts in their chosen fields – they also have access to other specialists so that, through one relationship, your business can benefit from expert advice in every area of corporate financial planning.

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Advice for Businesses
Insurance

Insurance


Insuring anything other than human life is referred to as general insurance and covers property such as your home, your business and belongings against fire and theft, or vehicles against accidental damage or theft. Personal liability as a result of any accident can also be insured and this type of insurance is compulsory in some cases.

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Education Planning


Education is a key subject and one that’s often the source of heavy debate. Where do we want our children to be educated? Where are the best schools and teachers? What type of education do we want to be able to provide and, importantly, how much will it cost?

As parents, we want the best education for our children and we want to be able to afford it. Yet, when we take a look at the costs, it can be a bit of a shock.

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Education Planning
Insurance

Qualifying Non-UK Pension Scheme


Significant tax advantages with flexibility.

A Qualifying Non-UK Pension Scheme (QNUPS) has a few tax advantages that can appeal to an investor. The rules of a QNUPS also allow investors to pay contributions into the scheme, or from transfer of a QROPS.

They are ideal for UK citizens who live in the UK or elsewhere and who want to retire, at some point, in the UK.

You can pay into QNUPS with cash, assets and even a residential property. How flexible is that! Your pension fund suddenly becomes a dynamic asset that can be made use of in so many ways.

You can even withdraw a lump sum and still invest. You can’t do that with a QROPS. You can keep paying into the QNUPS and withdraw a regular income after retirement. This means that you can keep on working for as long as you want, or not. There are no employment rules preventing you from contributing to the pension scheme.

Significant benefits:

  • You don’t need to be employed to make contributions.
  • No capital gains tax.
  • No lifetime limits on fund size.
  • No investment restrictions: you can invest, or withdraw, in any currency.
  • Possible exemption from UK inheritance tax.
  • Contributions can be made from any source, not just income.

Additional benefit of local tax efficiencies.

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Recognised Overseas Pension Schemes


Flexible with favourable pension benefits.

Recognised Overseas Pension Schemes (ROPS, formerly known as QROPS) are pensions based in offshore financial centres that offer flexibility and control.

It means your UK pension can be transferred to a recognised HM Revenue Customs (HMRC) jurisdiction offshore, giving benefits often unavailable to UK-based retirement savers.

If you’ve been a non-UK tax resident for at least ten years, the full benefits of the ROPS provisions will be available to you.

What a ROP can do for you:

  • A lump sum of up to 25% can be withdrawn.
  • Easily pass on wealth to any beneficiary.
  • Flexible income draw-down rules.
  • Greater investment flexibility.
  • Avoid currency exchange rate fluctuations.
  • Transparent charges.
  • Consolidate multiple pensions into one easy to manage scheme.
  • No Lifetime Allowance (LTA) charge.
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Education Planning
Insurance

Self-Invested Personal Pensions


More flexibility and greater autonomy.

Self-Invested Personal Pensions (SIPPs) are best suited to investors who want greater control over their wealth and financial assets.

SIPPs are pensions that hold investments until you retire and start to draw a retirement income. They work in a similar way to a standard personal pension but the main difference is that, with a SIPP, you have more flexibility to choose your investments.

SIPPs give you the freedom to choose and manage your own investments.

Significant benefits:

  • 100% Control and wide choice of risk appropriate investments.
  • You can consolidate multiple pension schemes.
  • Flexi Access from age 55 or GAD rates.
  • Pension Commencement Lump Sum (PCLS) a guaranteed 25%.

Approved by Her Majesty’s Revenue and Customs (HMRC).

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OUR TEAM

A group of people who specialize in making your life easier

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- Contact Us -

"You can send us an email or communicate directly with any of our offices”

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  • International
    18, Avenida Louis-Casai
    1209 Ginebra, Suiza
    Tel: +41 22 747 7849
  • Argentina
    Bouchard 599, piso 20
    Buenos Aires, 1106, Argentina
    Tel: (+54 11) 4850 1387
  • Brasil
    Rua Visconde de Inhaúma, 83 – 16º e 17º piso
    Centro, Rio de Janeiro, 20091-007
    Tel: (+55) 21 3799 4127
  • Chile
    Caledonian House
    Golda Meir 79,
    Las Condes, Santiago de Chile
    Tel: (+56 2) 2 2481 7220
  • Colombia
    Carrera 18 No. 86A – 14
    Bogotá, Colombia
    Of: (+57 1) 638 6023
    Tel: (+57 1) 616 3030
  • Peru
    Piso 6, Torre 6, Centro Empresarial Real,
    Victor Andrés Belaúnde 147,
    San Isidro, Lima. Peru
    Tel: (+51) 920 169 656