+44 203 290 6685 info@valiant-wealth.com

UK Pension Advice for Expats

UK-REGULATED ADVICE FOR BRITISH EXPATS WITH UK PENSIONS

We provide UK-regulated, independent advice on UK pensions. We operate the same transparent fee-based model as all good UK-based financial advisors. If you’re living abroad then we can give you the same standard of advice and service you would expect in the UK.

Unfortunately, we are in an industry where the majority of non-UK based advisors who work with British expats do not treat them in the same way. The majority have no UK regulation and charge hefty commissions which leads to clients being shoehorned into unsuitable solutions and poor ongoing service.

Our setup is explained on our about us page with background into our advisory and award-winning network.

BETTER OPTIONS FOR YOUR PENSIONS

The UK pension landscape has changed dramatically in recent years. Laws have been introduced that allow you more freedom and control over your retirement.

Generous transfer values are on offer from final salary schemes and defined contribution schemes can be fully accessed earlier. There are also greater freedoms to consolidate multiple schemes and transfer to either a UK-based SIPP or a non-UK QROPS.

Furthermore, the way pensions are taxed on death compared to other assets might encourage you to view your pension as something to benefit future generations rather than fund your retirement.

We have years of experience dealing with UK and overseas schemes and can help you find the best solution according to your needs.

DEFINED BENEFIT TRANSFERS

Final salary pensions (otherwise known as defined benefits) were once seen as ‘gold-plated’ and the surest way to guarantee yourself a consistent income in retirement.

In recent years thousands of people have decided to transfer their pensions for a generous transfer value and have more control over their own pension.

SIPP

A self-invested personal pension is a great way to achieve a pension and investment that you can control. SIPPs are increasingly popular amongst people who want to consolidate several schemes and improve the overall management of the portfolio.

International SIPPs exist for people who live abroad but want to keep their pension in the UK and regulated by the FCA.

QROPS

Qualified Recognised Overseas Pension Schemes are beneficial for people who want to transfer their pension away from the UK. There are many reasons why this could be the best option for a pension.

The benefits are similar to that of a SIPP but removing it from the UK has the potential to mitigate taxes (subject to where you are resident) and ensure that growth above the lifetime allowance is not subject to additional tax.

UK PENSIONS AND DEFINED BENEFIT TRANSFERS

NEWS AND RESOURCES

WHY CORONAVIRUS COULD BE GOOD FOR YOUR PENSION

One thing I’m telling all my clients at the moment is to read beyond the headlines to fully understand the economic impact of the reaction to Coronavirus. I hope that if you’ve made it this far beyond headline of this article that you’ll read on to find out what I...

The ‘Greta Thunberg Effect’ and The Rise of ESG Investing

By Adam Smith As you have probably heard Greta Thunberg had quite a 2019 which resulted in her being named the 2019 Time person of the year. The level of attention she has brought to the climate crisis is quite astonishing especially considering she was 16 years old...

What Happens to my QROPS if I Move Back to the UK?

If you have left the UK and been advised to transfer your pension to a Qualifying Recognised Overseas Pension Scheme (QROPS) but now intend to return to the UK then you need to consider how this pension will now be treated. While many expats and professionals who have...

HAVE YOU LEFT, OR ARE YOU LEAVING, THE UK WITH £1,000,000 IN PENSIONS?

Many professionals – both British and other nationalities – leave the UK to continue their careers abroad with pension savings which could create an extra tax for them in retirement. As companies...

QROPS CASE STUDY #1 – Mr Green: expat in Italy with a Guernsey QROPS

Background Mr Green approached us early this year concerned about the fact that in the 8 years since transferring four UK pensions to a Guernsey-based QROPS he has achieved zero growth and has...

QROPS CASE STUDY #2 – Mr Rossi, Italian back in Italy after working in UK, Malta QROPS

Background Mr Rossi is an Italian citizen who worked in London for several years before returning home. He was approached by a large international financial advisory based in Milan and strongly...

QROPS CASE STUDY #3 – Mrs White, British expat in Italy, STM Malta QROPS

Mrs White is a professional from the UK. She is in her mid-40s and has been living in Milan for several years. She was approached by a large offshore financial advisory group with offices in Milan....

The ‘Greta Thunberg Effect’ and The Rise of ESG Investing

By Adam Smith As you have probably heard Greta Thunberg had quite a 2019 which resulted in her being named the 2019 Time person of the year. The level of attention she has brought to the climate...

What Happens to my QROPS if I Move Back to the UK?

If you have left the UK and been advised to transfer your pension to a Qualifying Recognised Overseas Pension Scheme (QROPS) but now intend to return to the UK then you need to consider how this...

WHY CORONAVIRUS COULD BE GOOD FOR YOUR PENSION

One thing I’m telling all my clients at the moment is to read beyond the headlines to fully understand the economic impact of the reaction to Coronavirus. I hope that if you’ve made it this far...

Get in touch for a FREE consultation

We firmly believe that your location in the world should not be a barrier to receiving fair, independent and transparent financial advice that you can trust.

We work with clients across the globe and can offer you a FREE initial consultation wherever you are.

It all starts by getting in touch!

Simply complete the contact form and someone will be in touch for an informal chat to discuss how we can help.