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UK Expat pension transfer and retirement review 2019

Compiled by UK pension experts specifically to help expats, our FREE Guide explains how recent global developments and legislation changes will affect you and your retirement plans.

Our FREE Update explains how recent global developments affect you as well as how benefits of a pension transfer can include :

  • A higher tax free lump sum
  • Your pension free from UK Taxes
  • More of your wealth is passed to your loved ones
  • A flexible retirement plan that you can access as and when you need to

Uncertain times

Since the biggest change to the UK pensions industry in 2015 which introduced greater investment freedom for those with private pensions, expats have had to deal with the uncertainty of Brexit, fluctuating exchange rates, and the collapse of pension funds such as Carillion, BHS and British Steel.

We have also seen the Cash Equivalent Transfer Values of Final Salary pensions hit all-time highs, and watched them fall after the recent interest rate increase.

Moving forward, there is uncertainty about further raids on pension schemes and concerns over businesses guaranteeing their pension funds.

Living overseas, you would be forgiven for not knowing the impact all this has had on your pensions and ultimately your retirement plans.

However, understanding is the key to planning for the future. 

Choosing the right option for your pension funds is now more vital, than ever.

Understand how to use your expat status to your advantage, how to increase your pension and grow your nest egg.

Claim your FREE guide now and discover:

  • What the QROPS bombshell means for you
  • Why you could still be deemed a UK domicile, even after living abroad for some years
  • What the LTA (Lifetime Allowance) is, and why you must protect against it
  • The tax increase on your UK property
  • The benefits of investing in a tax efficient ‘wrapper’

Studies show 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*

You should always consider speaking to a financial adviser regardless of the size of your pension pot. However, if you have a defined benefit pension that is worth more than £30,000 and you want to transfer it to a defined contribution pension scheme, you are required by law to obtain professional advice.

10.6bn transferred out of schemes

Figures from the Office for National Statistics show a record £10.6bn was transferred out of certain schemes in the first quarter of 2018. Whether this is the right decision for you is hard to say without having a clearer understanding of your present situation and your future investment goals.

Choosing the right adviser...

GWM is one of the few planning companies to have an in-house Investment Committee comprising both internal and external specialists. All overseen by our own in-house Chartered Financial Analyst. All UK pension advice is supported by G60 qualified, UK Chartered Financial Planners ensuring you have access to the very best possible advice on your UK pensions.

At GWM we know how unhelpful generic advice can be, especially when it comes to your plans for the future. That’s why, as part of our award-winning service we offer a comprehensive pension and retirement review. To start the process, simply download your free E-Book to read expert and qualified advice about what options are available to you.

Get the facts from the expat experts, download your FREE
Pension and Retirement Review 2019 e-guide NOW


GWM USA LLC, 1450 Brickell Avenue, Suite 2180, Miami, 33131 FL


GWM USA LLC is part of GWM 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).

SEC number : 801-110724 : CRD number is 288833. Registration with the SEC does not imply a certain level of experience or education and does not mean the SEC approves or endorses BGAN.

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