No product pitch. No obligation. Just a clearer way to review your pension position as an expat.
Is Your UK Pension Still Working for You Abroad?
Download the free UK Expat Pension Scorecard and check the key areas every British expat should review before making decisions about old workplace pensions, SIPPs, defined contribution pots, or legacy schemes.
"I can honestly say working with Josh has been a financial game-changer. He helped me transfer my pension out of a tax-inefficient scheme into an International SIPP - something no previous adviser had even mentioned. The result? A projected tax saving of over £100,000. Josh’s advice was clear, considered, and 100% tailored to my goals. If you're an expat and not sure whether your pensions are working for you, speak to Josh. It could be the most valuable call you make this year."
Who this is for
This scorecard is designed for British expats who:
- live in the UAE, Saudi Arabia, Qatar, Bahrain, Oman, Kuwait, or elsewhere abroad
- have one or more old UK workplace pensions
- are unsure whether their pension is still suitable
- have not reviewed their pension properly since leaving the UK
- are approaching retirement or want to plan ahead
- want clarity before making decisions about transferring, consolidating, drawing down, or leaving pensions where they are
It is particularly useful if your combined pension and investment assets are £200,000 or more.
What this is not:
- This is not a recommendation to transfer your pension.
- It is not a product comparison.
- It is not a generic pension brochure.
- It is not a substitute for regulated financial advice.
- It is a practical first step to help you understand what questions to ask, what information to gather, and whether your pension deserves a proper review.
- This section is very important for credibility.
Most expats do not have a pension problem. They have a pension blind spot.
Many British expats leave the UK, build a life abroad, change jobs, accumulate savings, invest in different countries, and only occasionally think about their old UK pension.
The issue is not always that the pension is bad.
The issue is that it may no longer be reviewed in the context of:
- where you live now
- where you may retire
- when you want access
- what income you need
- how your pension is invested
- whether charges are still competitive
- how withdrawals may be taxed
- what happens to the pension if you die
- whether it still fits alongside your wider assets
What the Pension Scorecard helps you check:
1. Pension type
Understand whether you have a defined contribution pension, defined benefit pension, SIPP, hybrid scheme, or legacy workplace plan.
2. Charges and structure
Check whether the pension still offers reasonable value, flexibility, and transparency.
3. Investment suitability
Review whether the pension is invested appropriately for your age, retirement timeline, risk level, and income needs.
4. Retirement access
Consider when and how you may be able to access the pension, and whether it supports your future retirement plan.
5. Tax and residency considerations
Identify the planning points that may matter when living abroad, retiring overseas, or returning to the UK.
6. Death benefits and family planning
Check whether nominations, beneficiary options, and estate planning considerations are up to date.