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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SERPS Explained: What Happened to It, and What It Means Abroad
SERPS ran from 1978 to 2002, and the earnings you built up under it did not disappear. This guide explains where it went, how to tell whether you were contracted out, and what it means for expatriates drawing a UK State Pension abroad.
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The NT Tax Code: How to Get Your UK Pension Paid Gross Abroad
A practical guide to the HMRC NT tax code for expats: what it is, who qualifies, how to apply using form DT-Individual, how long it takes, and what a UK pension looks like with and without one.
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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 State Pension: Country List and What It Costs
Whether your UK State Pension rises each April depends on where you live, not where you worked. The GOV.UK country list, the arithmetic over a 20 year retirement, and what still grows while you are abroad.
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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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CF83 and Voluntary National Insurance Abroad: What Changed in 2026
From 6 April 2026 you cannot pay voluntary Class 2 National Insurance for time abroad, and the Class 3 entry test rose from 3 years to 10. This guide covers the current rules, the CF83 application, the 2026/27 figures, and how to work out whether a year would add anything to your pension.
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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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