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Retirement Annuity Trust

Our Services: Retirement Annuity Trust

Our Trust team specialise in the set up and ongoing administration of Retirement Annuity Trust Schemes ("RATS"). We currently look after approximately 200 bespoke schemes.

RATS are an alternative to the traditional insurance company based pensions and are trusts that are established under Section 157A of the Income Tax (Guernsey) Law 1975 to provide retirement benefits for the members. To all intents and purposes the Income Tax Authority treats RATS in the same way as personal pension plans.

The key advantages of a RATS:

• they are tax efficient
• provide capital protection
• there are flexible investment options
• there are flexible benefits
• a purchased annuity is not compulsory

We can provide impartial advice on:

• whether a RAT is actually the best solution for you
• Provision of trustees who can assist in establishing the RAT
• contribution levels – maximums that may be made in any given year for income tax efficiency

We are not qualified to provide investment advice but have built longstanding relationships with many Independent Financial Advisors ("IFAs") and investment managers who specialise in providing advice in the Guernsey market.



Please click here for our fee menu for NEW CLIENTS and here for our EXISTING CLIENTS.

Please contact one of our Trust team or our Directors for further information.