we are the largest independent transfer specialist
We’re the experts in UK pension transfers
We are at the forefront of the QROPS industry and New Zealand QROPS pension transfers. We have been transferring UK pensions to New Zealand for over 16 years having conducted thousands of pension transfers worth hundreds of millions of dollars.
We have watched the evolution of international pension mobility through cross border pension treaties, the development of the QROPS regime in the United Kingdom, the introduction of KiwiSaver, and a raft of tax changes for superannuation around the world. At all times we have provided feedback on changes and been instrumental in helping our clients maximise their pension assets.
We have worked with thousands of British expats or people that have lived and worked in the UK and accrued pensions to help them decide whether a transfer is a good option for them, and then if it is help them transfer their pensions to New Zealand. We have equally provided advice to people to leave their pension in the United Kingdom, such as where they could not afford the tax bill on a pension transfer, or their UK pension had valuable benefits that would be given up on transfer, or they intended to return to the UK.
What we do
At Charter Square, we understand that each client is unique and everyone has a different set of personal circumstances.
It’s crucial to get decisions about UK pensions right and these decisions can only be reached by taking a strategic view of what’s an important financial asset that you’ve worked hard to accumulate.
We do this by tackling these key factors:
- Gathering all the necessary information from UK pensions schemes
- A full review your UK pension plan and entitlements
- Understanding the financial impact and benefits of a pension transfer
- Recommending a suitable receiving NZ QROP scheme that matches you and your future requirements
- Assist with investment recommendations for you
- Facilitate the pension transfer
New Zealand Team
Charter Squares specialist pensions team are based in Wellington, Auckland and Queenstown New Zealand and are focused on consulting with our clients and ensuring they are fully informed before making any decisions about their UK pensions.
United Kingdom Team
Our admin team are in Manchester, UK and dedicated to chasing UK pension providers for forms, updates and transfer payments. They have contacts in over 2,000 UK pension schemes. With their depth of experience they know the questions to ask to get fast results from UK pension providers.
We’re fully independent
We are not tied to one NZ QROPS for doing our transfers. This is important as it allows us to cover the market. However, because of the volume of transfers that we conduct we can get better deals for our clients when it comes to negotiating with the New Zealand superannuation schemes. The benefits of using QROPS New Zealand can include waiver of entry and exit fees, purchasing power discounts on fund management fees, and the knowledge that you get after transfer service including regular updates on issues effecting you and your previously transferred funds.
We have transferred to over ten different QROPS in New Zealand including, PIE schemes, zero-rate PIE schemes and wrap platform schemes. We are completely adept navigating the waters of QROPS and ensuring that you end up with the best outcome.
Charter Square is a registered New Zealand financial services provider. Charter Square is extremely diligent in ensuring that both it and UK and NZ pension providers are fully compliant, thereby minimising unnecessary exposure for it’s clients. This diligence is supported by Charter Square Services registration as a financial services provider – registration number FSP118265
Charter Square Services belongs to the Financial Disputes Resolution programme that provides peace of mind protection to it’s clients
Our key people
Simon Swallow (M.Com)
Director – Head of Wellington Office
I started Charter Square in 2000 in London and never looked back. I believe everyone should make decisions based on all the available information, that’s why I work tirelessly to understand the QROPS market in New Zealand and the legislation surrounding it. I turn that knowledge into actionable strategies for our clients, no matter how big or small their pension transfer. I understand it’s your financial future and you want to make the most of it, everything that I do for you adheres to that principle. I have gone to bat for fairness in pension transfers with the NZ government, the IRD and FMA and am regularly consulted as ‘the expert’ in pension transfers by the press. When you work with me you’ll really discover the world of possibilities for your UK pension.
Contact me directly
p: +64 4 212 4970
Head of Auckland Office
I joined Charter Square in 2013. I have a real passion for delivering the very best service to my clients. I’m a firm believer in no nonsense, clear and regular communications as the best way to build trust with my clients while I work with them. As a transactional business we operate within some very prescriptive regulatory frameworks I believe its crucial I get the message right first time. Working with me on your pension transfer you’ll know you have the best alongside you for this interesting and ultimately financially rewarding journey and I very much look forward to working with you to help you discover how having your UK pension in NZ can benefit you.
Contact me directly
p: +64 9 378 1666
m: +64 21 663109
Head of Operations – Manchester
I started working with Charter Square in 2014. I believe that UK pension companies have an obligation to provide all the information necessary for members to accurately assess their situation and whether a transfer is right for them or not. I have the tenacity to chase UK pension providers for all the relevant information so we can properly form you about your options. I am adept at navigating the maze that the UK pension providers often create and having worked with many of them for so long have established relationships that help get fast results.
Contact me directly
p: +44 845 544 3101