Products & Services

Overseas Pension Transfers

Have you worked in the UK for a while and are now living abroad and do you have a retirement plan or pension with a former employer? Then you might want to look at the option of moving your pension to another country as there might be benefits to moving your pension pot overseas to another registered UK pension scheme.

You might also be thinking…

What are my investment options?
What fees am I currently paying – not only the administration charges but also the fund costs? Are their hidden commissions paid to the adviser?

We’ll advise if an overseas pension transfer is right for you by getting an overview of your current personal circumstances and pension arrangements and walk you through a full analysis of your future entitlements without obligation. Then we give you a formal recommendation and advice on your options.

Overseas Pension Schemes

Recognised Overseas Pension Scheme (ROPS or QROPS) is an overseas pension scheme that meets requirements set by the United Kingdom Her Majesty’s Revenue & Customs (HMRC). ROPS (formally known as QROPS), were established in April 2006 as a result of the EU freedom of capital movement.

SIPP

A Self-Invested Personal Pension (SIPP) is a UK Registered Pension Scheme. Administered in accordance with Her Majesty’s Revenue and Customs (HMRC). The international plan allows you to invest more effectively and in a tax effective manner offering flexible fund access, investment flexibility and currency options:

Defined Benefit Pensions

Defined Benefit (Final Salary) pension analysis requires an independent defined benefit analysis report from a UK based investment adviser that is FCA registered. This requirement was established in 2015 to protect investors as part of the Pension Freedoms legislation.

We use an independent third party to conduct this analysis. This company will charge a separate fee for this report.

A third party fee does not apply to defined contribution plans since this additional analysis is required only for defined benefit pensions.

Which UK pensions can be transferred?

Only personal pensions can be transferred overseas:

Defined contribution pensions – YES
Defined benefit ( Final Salary) pensions -YES

These pension types cannot:

State Pensions – NO
Government Pensions – NO

ETF investing

Our portfolios are made using ETFs to minimise volatility and grow your portfolio.

Model Portfolios

With our model portfolios you get a disciplined, diversified and continually managed investment approach with tailored assets, balanced to help meet your investing goals.