Resources
Retirement & Pensions
UK pensions, QROPS, SIPPs, transfers, and retirement income for people living abroad.
Tools
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Pension Pot Illustrator
Estimate your UK pension pot value at retirement.
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CETV Estimator
Estimate a defined benefit transfer value and its drivers.
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Cashflow Model
Year-by-year income versus expenses projection.
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Pension IHT Exposure Projector
Project how a UK pension's IHT exposure grows to retirement under the April 2027 rules.
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Articles
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Accessing Your UK Pension While Living Abroad
A neutral guide for UK expats on when and how a UK defined contribution pension can be accessed from abroad, covering tax, NT codes, and practical steps.
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Defined Benefit Pension Transfers for UK Expats: What to Know
A factual overview of DB pension transfers for UK expats: what a CETV is, what safeguarded benefits you give up, the regulated-advice requirement, and cross-border considerations including QROPS.
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Frozen UK State Pension: What Expats Need to Know
Whether your UK State Pension increases each year in retirement depends on where you live, not where you worked. This guide explains the frozen pension rules for expats.
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Transferring a UK Pension to Australia: What Expats Need to Know
UK expats in Australia face strict HMRC ROPS rules, an age-55 condition, and Australian tax on the transfer. This guide explains the landscape neutrally.
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UK Pension Options When You Move or Live Abroad
A neutral overview of the four main paths for UK expats with pensions abroad: leaving them, consolidating into a SIPP, transferring to QROPS, or accessing benefits.
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QROPS Advice: How to Choose a Specialist, and Why It Matters
QROPS has a long history of unsuitable, commission-driven advice. Here is what regulated QROPS advice should look like, the questions to ask, and the red flags that should end a conversation.
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QROPS by Country: Where Transfers Are Possible and Why Jurisdiction Matters
QROPS availability is country-specific, and the jurisdiction of the receiving scheme shapes the tax, the charges, and the risk. Here is why the country question comes first, with notes for popular expat destinations.
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QROPS Rules: HMRC Conditions, the Overseas Transfer Charge, and the Five-Year Rule
The rules are where QROPS decisions are won or lost. A plain-English guide to how HMRC recognises a scheme, when the 25% Overseas Transfer Charge applies, and the five-year rule that catches expats who move again.
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QROPS and Tax: UK Charges, Local Tax, and the April 2027 Inheritance Tax Change
QROPS taxation is layered: a possible UK transfer charge, continuing UK reach for a period, tax where you live, and from April 2027 a new inheritance tax dimension. Here is how the layers fit together.
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Voluntary NI Contributions Abroad: UK State Pension Guide
How UK National Insurance gaps, voluntary Class 2 and Class 3 contributions, and your State Pension forecast work when you live abroad, plus the deadlines to check.
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SIPPs Explained for Expats: UK Pensions Abroad
How SIPPs let expats hold and manage UK pension assets abroad: residency, tax relief, access, investment choice, and adviser rules once you leave the UK.
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SIPP vs QROPS for Expats
A decision-focused comparison of SIPP and QROPS for expats: where the two structures differ, the factors that point one way or the other, and two illustrative profiles. Factual only, not advice.
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Pension Tracing for Expats: Find Lost UK Pensions Abroad
Expats often lose track of old UK pension pots after moving jobs or countries. How pension tracing works, how to find lost pensions from overseas, and next steps.
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QROPS for Expats Guide
QROPS transfers can affect UK pension tax, charges, jurisdiction, and advice requirements. Learn the key risks before speaking with a specialist.
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Related services
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