Many people reach retirement age without a clear picture of what pensions they hold, what those pensions are invested in, or how the income will actually be paid — a gap that only gets harder to close the longer it's left.
Why pension planning is different for expats
Living outside the UK adds a layer most pension holders never have to think about: providers based in another time zone, statements addressed to a home you no longer live in, and rules that don't always translate simply across borders. It's also easy to end up with several pensions scattered across different employers and countries over a career, each with its own charges, investment strategy, and terms. Without regular oversight, old workplace pensions are easy to lose track of altogether.
What we help with
- Locating and reviewing pensions from previous UK, Irish, European, or Swiss employers
- Checking what each pension is invested in and how it's performing
- Clarifying how and when benefits will be paid to you in retirement
- Building a realistic view of your total retirement income across all your pensions
Once you have a clear picture of what you hold, we can help you decide whether each pension is still working as hard as it should be — and whether a more specific solution, such as a SIPP or QROPS transfer, is worth exploring further.