The complete guide to UK final salary pensions

UK Private Pension Transfer, UK Final Salary Pension


If you worked in the UK for 10 years or more and hold a Defined Benefit or ‘Final Salary’ pension with an estimated income in excess of £10,000 a year or a total value of over £300,000, it is vital you gather as much information as possible about its performance and understand your Options as a US resident.


A number of factors could make this the best time to transfer your pension into another scheme.


Download your complete guide to UK final salary pensions NOW to FIND OUT:

  • Why cash equivalent transfer values (CETV) are so high
  • How to gain control over how and when you access your pension
  • The purpose of the Pension Protection Fund (PPF)
  • How you could pass on more of your wealth to your family
  • What the QROPS bombshell means for you
  • What is meant by a Self-Invested Private Pension (SIPP)
  • If you could be better staying in your DB Pension scheme?

At GWM USA we know that making a decision on which solution is right for you can be daunting, which is why the guide will also help you answer the questions most British internationals are asking.

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  • How living in the US affects your scheme.
  • What is the difference between a SIPP and QROPS
  • Take a bigger tax-free lump sum upon retirement
  • Consolidate their old UK pensions into one place
  • Draw income through retirement to suit their needs
  • Avoid pension tax allowance charges
  • Improve their tax efficiency

Download your UK Company Pension Update e-guide now to ensure you are making the most of your international status

There are a number of reasons why transferring your pension to a different pension scheme may provide you with greater control over your future.

Record High Transfer Values

Final Salary Transfer Values are currently at the highest level we have seen.  With continued global uncertainty, it’s hard to know how long this will last.

Investing Freedom

Rather than your money being held in a scheme created to serve the masses, transferring allows you to build a new plan tailored to your personal requirements.

Drawdown Flexibility

Many international workers don't want to be told when they need to start drawing an income from their retirement fund.

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Research shows that taking regular advice from a professional financial adviser can result in a 53% increase in retirement income compared to those who sought no financial advice.

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GWM USA LLC is part of the Guardian Wealth Management Group for all Group regulatory details please visit https://gwm-usa-llc.com/about-menu/regulations. GWM USA LLC through its advisors offers investment and financial advisory services through Beacon Global Advisor Network, LLC (BGAN), a registered investment adviser with the Securities and Exchange Commission (SEC).

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