Pensions for expats often involve cross-border complexities, but our content provides low-fee, transparent strategies for transfers, QROPS, and optimisation in light of UK tax changes. Drawing from ONS data on emigration, we help secure your retirement. We hope you find these useful for pension planning, and seeking a second opinion ensures your setup is as efficient as possible.
Question and Answer U.K expat moving to New Zealand in regards to U.K. pensions I am in the process of sorting out getting some UK Pension money back to NZ (not much, just a few thousand pounds). I've been going through a company to organize the transfer and have now...
Pension freedoms give savers six options for taking their retirement cash such as taking 100% out, annuity as well as other options. The rules fundamentally changed the way you could cash in from your pension. To make the best of pension freedoms, you need to...
What is the lifetime pension allowance (LTA)? If your pension(s) fund has reached or is projected to exceed the lifetime allowance and you don't have any protection and you wish to retire or drawdown you’re 75, whichever comes first, you may face charges on your...
When pension benefits are built up in the UK, HMRC allows you to take a PCLS (Personal Commencement Lump Sum) when you reach retirement. The current pension access age in the UK is 55. This blog is perfect for those expats who have a UK pension, but are in the US and...
Most offshore advisory companies structure their fees in a way using the same third parties to hold the pensions. Most of these can be costly and potentially have hidden fees. This adds up to create multiple layers of fees that continuously erode your pension fund....
1) You could forget about the account Hard as it may be to believe, some people end up forgetting about their 401(k) account(s) entirely if they leave them with the companies they have left. This can end up happening if you change jobs multiple times over the course...
The UK pension lifetime allowance (LTA), currently set at £1,073,100, is a limit on how much pension benefits you can build up before being subject to the lifetime allowance charge. The allowance has varied over the years, but has generally been decreasing as the...
U.S qualified pensions are exempt from U.S taxable income. Personnel, who are receiving foreign pensions must pay taxes on the funds every fiscal year. It does depend on where you are residing and the pension scheme that you are in. This article will go over...
Are you a U.K. expat that is now living abroad? In this article, I want to go over how your U.K. pensions, both state and private will be affected by being an expat. I will also cover your options when you leave the U.K. for your pensions. Why do people transfer their...
Many have transferred U.K. pensions offshore. For expats who have QROPs, if it has been left outside the U.K. for a set period of time you can get out of HMRC and U.K. based pension schemes and lower tax and increase flexibility. These at the base seems attractive as...
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