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Will I have enough savings to retire comfortably?

  • Pension Transfers
  • Can I transfer my UK Pension?
  • Regular Savings

Pension Transfers

Most pension schemes can be transferred to international retirement arrangements giving you greater control and security over your money. This can help to enhance pension benefits and reduce taxation on estate duties (dependent on residence).

Your pension is important to you.

We ensure, when assessing a transfer on your behalf, that your pension funds are only moved to jurisdictions that have a real benefit to you and the highest levels of investor protection.


Can I transfer my UK Pension?

This will depend on what type of pension scheme you have. Most schemes are either Defined Benefit (DB) or Defined Contribution (DC). Both of these will allow you to transfer out.

The only exception is public sector schemes such as the NHS or the Police Force whereby you will have an unfunded pension and are not allowed to transfer out.


A SIPP gives you control of how your pension fund grows. Unlike traditional personal pensions, which limit investment choice and potential, a SIPP is ideal for people who wish to diversify their options for greater returns.

What is a SIPP?

A Self-Invested Personal Pension is a type of UK government recognised personal pension scheme, which allows you to have greater flexibility and greater investment choices compared to conventional pensions.

How does a SIPP work?

With a SIPP you can choose to invest in a range of assets depending on your risk appetite and timeframe until retirement. You can also take a managed approach rather than selecting your own funds, where you can appoint an investment manager to take care of your pension fund for you.

What can I invest in?

There is a vast range of investments that you can hold within your SIPP. These include mutual funds, unit trusts, stocks and shares, ETFs, commercial property, government securities, deposit accounts and many more.

Can I qualify for a SIPP?

Most people from the UK (not necessarily residing in the UK) who are under the age of 75 are eligible to have a SIPP.

What are the costs?

SIPP trustee fees are fairly cheap on an annual basis and can be as low as only a few hundred pounds a year. The assets you hold are generally available via platforms or offshore life wrappers, giving you access to a whole range of assets at lower charges than individuals can achieve.



A Qualifying Recognised Overseas Pension Scheme (QROPS) is a personal pension transfer scheme established in a jurisdiction outside of the UK and is recognised by HMRC (Her Majesty’s Revenue and Customs).

How does a QROPS work?

A QROPS gives you more control over you pension fund investments. As a British expat you can transfer your pension to a QROPS tax-free up to £ 1 million.
You can even combine various smaller pensions into one large pension pot.

Do I qualify for a QROPS?

If you have left the UK or are planning to leave then a QROPS may be suitable for you depending on your new country of residence. QROPS are for expats who previously worked in the UK and have earned an income and contributed into a UK Registered Pension Scheme.



A Qualifying Non-UK Pension Scheme (QNUPS) is an overseas pension scheme generally used by non-UK residents in which cash and assets that are not eligible for UK tax relief can be contributed.

QNUPS are exempt from UK inheritance tax and free from UK capital gains tax and there is no lifetime limit on contributions.

How does a QNUPS work?

A QNUPS offers greater flexibility in terms of the type of investment you can hold in your fund and you can leave your whole fund free of UK inheritance tax to your family.

Benefits can be taken from age 50 subject to the pension legislation where the scheme is administered. However if you are a UK resident the earliest age is 55.

Up to 30% is available as tax-free cash. In most jurisdictions however the maximum amount is 25%.

Regular Savings

When it comes to saving the earlier you start the better.

Whether you are buying a house, saving for your children’s school or university fees, planning for retirement or saving for that dream yacht you promised yourself it is important that you choose the right type of savings plan.

Tax efficient growth, wide investment choice and plan flexibility are key elements to look for when choosing a savings plan.

We can help you choose, design and implement an investment plan tailored to your goals and needs.

Get In Touch

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08006990464 | +448006990464