Luke’s background in financial services stemmed from a successful period working in the City of London for a derivatives trading house. His aptitude for business development was quickly recognized and led to him relocating to Spain to take up a role with SJB Global.
Working closely alongside Jake Barber, Luke has driven the growth of the firm by carefully aligning the needs of clients with the expertise of the advisers. Whilst managing his clients across Europe and offering world-class advice, Luke is open to conversations with new clients around helping them achieve their own goals and objectives.
Tel +44 20 3807 8315
Tel +349511 20 111
The majority of Defined Contribution pensions will be unit-linked. This means the value of your pension will fluctuate with the value of the funds you are invested into. The question you should ask yourself is what are you invested into?
Many final salary pensions schemes have been closed to new members or even all members over recent years due to huge deficits that are causing financial issues and even bankruptcies for large firms. Final Salary Schemes offer a guaranteed income for life, based on a proportion of your final salary for the period worked, although other considerations are taken into account.
Defined contribution pensions can have many different names, types, investment options, retirement options, exit penalties and guarantees. Schemes can often be complex, with very little help from the scheme itself to help the member understand what options they have.
These are a type of pension where contributions are invested in a with-profits fund. Each year bonuses will be added to the investment which is guaranteed, but these levels have been trickling down since their popularity back in the 90s.
Until relatively recently, pension funds invested primarily in stocks and bonds. Today, they frequently invest in a variety of funds, including private equity, real estate, infrastructure, and so on. We will look at the different investment types you may have in a pension.
These types of pensions have largely been left behind after personal pensions were introduced in 2006, yet there are a handful of people who still have these schemes. In short, this scheme is a contract between a member and a pension provider which was set up when they transferred an old pension into this scheme. They were developed to help people transfer built-up pensions into a new vehicle rather than leaving them frozen when they terminated employment.
An annuity provides you with a guaranteed income for the rest of your life. You hand over your pension as a lump sum to an insurance company, and they calculate your annuity based on age, gender, the size of your pension, where you live, the state of your health and then provide you with an income for life accordingly.
The objective an ethical pension fund is to deliver positive returns while prioritising environmental, social and governance considerations. It will only invest in companies that meet a strict set of criteria, avoiding those whose products or business practices fail to meet the required standards, such as arms dealing, tobacco, disregard for human rights, and companies that harm the environment.
These were designed by small companies as a way of having a company pension scheme. One of the advantages of SASS is that the pension can be used to help the business get loans or buy a commercial property which the company could then leaseback. They also allow directors to contribute 70% of their salary towards the pension each year. Each member is usually the trustee of the pension plan.
A personal pension is a type of defined contribution pension. You choose the provider and make arrangements for your contributions to be paid. If you haven’t got a workplace pension, getting a personal pension could be a good way of saving for retirement.
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Larisa graduated from the University of Konrad Lorenz with a bachelor’s degree in International Business Management. She also holds a master’s from the prestigious EAE Business School in Barcelona, specializing in International Marketing. She started her career working as a relationship manager for Davivienda before doing an Internship in India doing market research for exports of Indian goods to Latin America. She furthered her professional status working as a Marketing Manager for Sanofi, one of France´s largest pharmaceutical firms and has been working for SJB Global since the summer of 2018 with a role as a Business Development Manager whilst also helping with admin support for the team.
Tel +34 951120111
Francesca spent her early career in the retail industry. She decided to obtain qualifications that were not compulsory in her role and this led to her being promoted very early to a management position. The years following were spent gaining experience in both managing staff and her own time. Francesca was interested in working abroad and looking for a role that would be both challenging and rewarding and SJB Global stood out. After joining SJB Global, she has very quickly become integral to the administration of the business.
After concluding his Bachelor of Science degree in Banking and Finance, Robert started his financial career for a large international advisory firm in Barcelona, working directly under the Area Manager for Europe. Over the next 2 years, Robert gained extensive knowledge of international financial markets while also gaining his Level 3 IAD (Investment Advice Diploma) which demonstrates he has a willingness to learn in-depth knowledge of financial planning.
Robert was given the opportunity to move across to SJB, where he has been able to contact prospects on a global scale and not just in Europe, further diversifying the type of people he speaks to and his knowledge of different jurisdictions. Robert is also currently on his way to obtaining his Series 65 exam and level 4 IAD.
Tel: +44 7584319074
Danny Agg is a specialist International Financial Adviser. Prior to joining SJB Danny has worked for large international financial service firms across Europe and the Middle East. Danny has developed extensive knowledge and expertise in UK pension analysis, pension transfers, and frozen pension release (QROPS, SIPPS). He also has expertise in the global markets and can advise on lump sum investments, mutual funds, commodities, ETFs, derivatives, and international retirement planning. Danny can also provide guidance on inheritance tax and trust planning for British nationals globally.
Danny holds two international qualifications with the Chartered Institute of Securities and Investments (CISI) and has obtained his Series 65 Uniform Investment Adviser Law qualification in order to provide advice to US residents.
Lewis Sell began his career as an equity trader in the heart of London. Starting at ground level, he quickly established himself as a fast learner with a client-centric approach. Soon after, he found himself in a managerial capacity working with large pension funds but decided to transition into the offshore market and relocated to Geneva, Switzerland. This move facilitated a much greater understanding of the needs of international workers and in doing so, allowed him to develop his understanding of the global markets.
Now settled in Spain with SJB Global, Lewis is responsible for understanding client’s needs and building solutions that meet their long-term retirement objectives. He is particularly adept at analyzing existing portfolios in order to reduce running costs and enhance investment performance.
Lewis is a UK qualified adviser holding the level 4 qualification through the Chartered Institute of Securities and Investments.
Matthew Quinn has a vast array of experience in financial advice having worked on the ground in Switzerland and Austria. He decided to move to SJB to advise in a more global capacity and to deal with a more varied and diverse client base. His specialties include pension planning for non-UK residents, whether or not they intend to return to the UK or remain overseas. As a law graduate, he also enjoys charting people’s retirement journeys and assisting through tax and succession planning.
Matthew is qualified to provide advice under the Chartered Institute of Securities and Investments.
After working in the financial services industry post-education, Randal went to university and obtained a degree from the University of Essex in Modern History. He applies the strong analytical and research skills he developed at this time into his role as an international financial adviser, reviewing the objectives of clients and working with them on a strategy for retirement that meets their long term goals. Randal moved overseas to work with non-UK residents and in 2015 and joined the team at SJB in early 2018 after their ethics, vision, and future goals aligned with his own and matched his determination to provide the best service for his clients.
Tel +34 951 127 210
Daniel started his career at Norwich Union in the Life Insurance department and very quickly became interested in one day becoming a Financial Adviser. He progressed through the ranks and became the youngest Relationship Manager at Aviva, which gave him the opportunity to do the examinations required to allow him to give financial advice. As Daniel’s role involved dealing directly with Financial Advisers, this gave him the final push he needed to become a Financial Adviser. After spending a while helping overseas clients with their financial advice needs and gaining experience in the overseas market, Daniel was asked to join SJB Global and he gladly accepted as he could see that due to the people he would be working with and the service that they offered, he could really make a difference.
Tel +34 951823011
Ben Eccles began his career working in the energy sector, combining strong analytical skills with a passion for client engagement. Building on these foundations, Ben embarked on a career in financial services where he quickly progressed to the position of financial adviser through diligent analysis of the global markets and an aptitude for managing an international client bank.
In his current role, he specializes in providing bespoke financial advice to a wide range of clients on topics including UK pensions, lump-sum investments, and tax efficiency.
Ben is qualified to provide financial advice via qualifications held through the Chartered Institute of Securities and Investment.
Tel +34 951127072
Sam Barber is the Principal Director of SJB Global. He began his career as an investment adviser in the heart of London where he quickly progressed to a senior manager, specializing in pension funds. This firm grounding in investments was the perfect platform for Sam to take up a role as an International financial planner. Throughout his career, he has expanded his investment expertise to incorporate retirement planning, tax efficiency, asset allocation, and compliance. Sam is responsible for providing well-structured investment propositions for clients as well as dealing with pension transfers for non-UK residents.
A keen academic, Sam holds a Bachelor of Science in Economics with Econometrics while also being a level 6 qualified financial adviser in private client investment advice and management (PCIAM). Furthermore, through his directorship, Sam is an active and contributing member of the Federation of European Independent Financial Advisers.
Tel +34 951120111
Jake Barber is the Director of SJB and a specialist international financial adviser. Jake has worked for large international financial service firms in London, Dubai, Riyadh, Hamburg, and Spain where he currently resides.
During his career in financial services, he has built extensive knowledge and expertise in pension planning, tax efficiency, and asset allocation. By gaining a deeper understanding of what clients need in today´s ever-changing world, Jake has built long-lasting relationships with a wide array of individuals. As a key figure in driving the growth of the firm, Jake’s modern approach to financial advice has ensured rapid expansion across the globe. He now holds both the level 4 qualification in financial advice in the UK, and also the Series 65 Uniform Investment Adviser Law qualification allowing him to cater to clients in the United States.
Tel +34 951127237