For British expats overseas
Clear guidance on your UK pension, wherever you live.
We help expats review their options for UK pensions, SIPPs and QROPS, and we explain the risks before the benefits.
Request a call back
Tell us where you are and we will arrange a time that suits your time zone.
Who we are
Qualifications
Where we are
How we work
What we help with
Planning for life and retirement abroad
Insurance and protection
Health, life, critical illness and income protection for expat families.
Learn moreSavings and investments
Offshore investments, retirement planning, inheritance tax and school fees.
Learn moreHow a pension review works
Four steps, and you decide at the end
Introductory call
We learn where you live, what you hold and what you want from retirement.
Gather your pensions
We request valuations and scheme details, and look at the tax rules where you live.
Written options and risks
You receive a report setting out your options, the costs and what you could lose.
Your decision
Staying put is a valid outcome. We only act if you choose to proceed.
An honest starting point
Is transferring a UK pension right for you?
For many people it is not. It depends on the type of pension, your other income and where you live.
It may suit you if
- You have other income or assets to rely on in retirement
- You want more say over who inherits your pension
- You want flexibility in how and when you draw income
- You live abroad and want to manage currency risk
It may not suit you if
- Your pension is your main source of retirement income
- You would give up a guaranteed, inflation-linked income
- Your spouse relies on a survivor’s pension
- A transfer charge or fees would outweigh the benefits
Meet your adviser
Gerard Ward
Gerard has over 20 years’ experience in finance and is a member of the Chartered Insurance Institute (CII). He holds CeMAP, AAT and Hong Kong Securities Institute qualifications, and is based in Malaysia, helping UK expats living overseas.
Appointments are confidential and held by phone, video or in person.
About usCommon questions
What is a QROPS?
A QROPS is a qualifying recognised overseas pension scheme: a pension scheme outside the UK that meets HMRC conditions to receive UK pension transfers. Whether it suits you depends heavily on where you live. See our QROPS guide.
Can I access my pension early?
Moving abroad does not change the UK minimum age at which you can normally draw a pension. Taking money earlier than that can bring heavy tax charges, and offers of early access are often a warning sign of a scam.
Do I have to transfer after a review?
No. Staying where you are is a valid outcome, and we only act if you choose to proceed.
Can I keep my UK pension if I move abroad?
Yes. Leaving the UK does not stop you holding a UK pension, and you can usually leave it where it is. Many expats review it because investment choice, charges, currency and tax differ once they live overseas. See our pension review guide.
What is the difference between a SIPP and a QROPS?
A SIPP stays within the UK pension system, while a QROPS moves the money into an overseas scheme. Each has different tax and charge consequences for expats. See our expat SIPP guide.
Do UK expats still pay UK inheritance tax?
UK inheritance tax can still apply to UK assets, and in some cases to worldwide assets, depending on your domicile status and how long you have been away. See our inheritance tax guide.
Can I get a UK mortgage while living abroad?
Yes, several lenders offer mortgages to UK expats, although criteria, deposits and rates differ from the UK high street. See our expat mortgages guide.
Not sure where to start?
Talk it through with us. There is no obligation to proceed.