Our prices

Our prices are completely transparent:

• Our initial investigation is completely free.
• There are no upfront costs.
• There are no hidden charges or commissions.
• "No win, no fee" 100% money-back guarantee

We believe we should only be paid where we create value for you. That's why we have a "no win, no fee" 100% money-back guarantee. If we don't save you enough tax to at least cover the cost of our service (and we're confident we will), you won't have to pay us a penny.

We also go the extra mile, to provide extra added value services free of charge if you undertake our service.

This is one of the strengths of Prism Xpat – and one way in which we differ from other New Zealand-based companies.  By having a financial planning presence at both ends, we can provide truly global cross border advice. This means you get real value, with your best financial interests in mind.

Start the process – no cost, no obligation

 

Stage one: initial investigations

To start the process, simply download the attached form, complete and return as indicated. We will undertake the initial investigations for you completely free of charge - at absolutely no cost to you - and provide you with a report on whether your UK pension is likely to incur any penalties if transferred, and your options to increase its overall value. It also considers the timing of any transfer and likelihood of success. Again, this service is completely free!

Start the process – no cost, no obligation

Stage two: global pension advice

After we've completed the initial investigations, you have the option to undertake this step.

We'll create a tailored global pension strategy for you, looking at your options in both the UK and New Zealand. This includes sign off and a recommendation on how to act. Whilst in many cases a transfer to New Zealand is worthwhile, we have found that for many of our clients we can create extra value centred on knowing the UK and New Zealand systems, how to value defined benefit/final salary schemes, and visa rules for new emigrants. In many cases, these strategies will create higher value for you, prior to any pension transfer taking place.

• If you undertake this step, the cost is fully refundable against the implementation stage. As such you have nothing to lose by doing it – and everything to gain
• Our advice report includes a recommendation and sign off. Regulated advice on UK pensions can only be provided from the UK side. This means that you are protected by the UK Financial Services Authority regulations, and Prism Xpat works to uphold these.
• The cost for this step is 1%* of your fund value, which comes with our 100% money-back guarantee if we cannot show you how the tax savings we have generated for you more than offsets the 1%.
• This ensures we are being paid for providing you with the best advice

* Note: For very large or very small fund balances this % may alter. We will inform you upfront if such is the case.

Start the process – no cost, no obligation

Stage three: implementation

This step involves all the work undertaken by our in-house teams based in the UK and in New Zealand, including:

• restructuring your funds (where required) at the UK side to generate extra benefits compared to a transfer alone
• teleconferences with you at both ends
• completing all paperwork
• all fund set up costs
• meeting with the UK/New Zealand adviser
• answering any pension related questions along the way
• handling your state pension queries
• investment of your funds in line with your required asset allocation.

This step is charged as a 3.5% entry fee (not commission) of your fund balance (including GST) where the fund is to be transferred to New Zealand. The fee will be split between the UK and New Zealand.

This can be undertaken with or without the Global Pension Advice step. However, if you have decided to undertake the Global Pension Advice, then we will also provide you with the following:

• Our "no win, no fee" 100% money-back guarantee. If we can't show you how the tax savings being generated for you more than offset the implementation charge outlined above, you won't pay a penny.
• For no extra charge, on completion of implementation we will also provide you with a free meeting or teleconference to outline how you can further reduce your taxation on any other UK assets you may have.
• This follow up consultation is designed to create extra benefits from using our service – which in many cases which more than offset our full implementation fee – meaning you not only save the full costs of our service, but also have a plan to save further taxation on your other assets going forward

* Note: For very large or very small fund balances this % may alter. We will inform you upfront if such is the case.

Start the process – no cost, no obligation