Retirement Planning
Retirement planning for people whose pensions, employers and tax residence are spread across several countries.
Retirement is harder to plan when you've paid into pensions in three countries, state pensions build up under different rules, and you don't yet know which country you'll live in when you start drawing. We map everything you're entitled to — workplace pensions, personal pensions, state pensions, company shares and investments — into one projected income.
We model it in the currency you'll actually spend, and stress-test the things that break retirement plans for people who move between countries: exchange rates shifting, changing tax residence in the middle of retirement, healthcare costs outside your home system, and living longer than the plan assumed.
Where we recommend moving, combining or re-wrapping pensions, the reasons are written down first, and it's only done through properly regulated advisers in the country concerned.
What we do for you
- All your pensions mapped out
- How and when to draw income, modelled
- Stress-tested for living longer and currency swings
Who usually uses this
- Expats with pensions in more than one country
- People nearing retirement who haven't decided where they'll live
- Business owners whose retirement depends on selling their company
- People moving back home and bringing their pensions and investments with them
One team, step by step, from the first call to handing it over.
Every pension, policy and state entitlement traced, valued and written down, including transfer values and guarantees.
Your retirement income projected in the currency you'll spend, under several scenarios for where you live and how markets go.
Any shortfall worked out; options for paying in more, combining or moving pensions compared, with the tax.
Agreed actions carried out through regulated advisers and reviewed every year against the plan.
What you receive.
Every engagement closes with a specialist-reviewed handover pack — retained on file for thirty years.
- A full list of your pensions and entitlements
- Retirement income projected across currencies
- Stress tests for living longer, exchange rates and markets
- Written options, with the tax depending on where you live
- A yearly review against the plan
The countries we most often use for this service.
Questions we hear on every intake call.
- When should I start planning?
- Ten years out is ideal, because decisions about paying in and how things are held still make a big difference. Within five years, the focus moves to the order you draw income and where you'll be tax resident when you do.
- Does the country I retire in matter?
- A lot. It decides how your pension income is taxed, whether lump sums are recognised, which tax treaty applies and what healthcare you'll have to pay for privately.
- Can I keep paying into a UK pension from abroad?
- Usually only a limited amount and for a limited number of years after leaving. It depends on your UK earnings and when you left, and we set it out in the report.
- Do you advise on the pension itself?
- We do the analysis and coordinate with a regulated adviser in the country concerned, who gives the formal regulated advice.
Start with a twenty-minute call. Come away with a written plan and price.
Every engagement begins with our advisory team and is assigned to the relevant specialists. Fees are quoted in writing before any work begins. No hourly billing.
More on wealth & related work
Personalised Wealth Strategies
One joined-up plan across every country you hold assets in — your goals first, products last, reviewed as your life changes.
Asset & Portfolio Management
Investment portfolios run by independent managers, either for you or with your sign-off — in several currencies, with all costs and any adviser payments disclosed.
UK Pension Transfers (SIPP / QROPS)
For people living outside the UK: should your UK pension stay where it is, move to a SIPP, or transfer to a QROPS (an overseas pension scheme)? We write down the trade-offs.
Every engagement begins with a twenty-minute advisory call. The fee is in writing before any work begins. No hourly billing.