Prepare
Pension Planning
For internationally mobile clients, pensions rarely fit neatly within one country. We help you understand the wider picture and make confident decisions about what comes next.
For internationally mobile clients, pensions rarely fit neatly within one country. We help you understand the wider picture and make confident decisions about what comes next.
What does this service involve?
The plan involves persons who may have worked abroad, hold foreign pension rights, plan to retire overseas, have another nationality or become subject to another country's tax or social-security system.
Identify
Identify all domestic and foreign pension rights, contribution histories and state or social-security entitlements.
Consider
Consider tax residence, double-tax treaties and which country may tax contributions, growth or pension benefits.
Check
Check transfer, portability, reporting and product-eligibility rules before any move or restructuring.
Coordinate
Coordinate pension decisions across the relevant countries so one decision does not unintentionally damage another pension or social-security entitlement.
Which best describes you today?
You may be considering this because your circumstances have changed, you're planning ahead, or you simply want greater clarity.
You have pensions scattered across different employers
You have several old workplace pensions and are unsure what they are worth, how they are invested or whether they should stay where they are.
You're unsure whether you're contributing enough
You have a pension in place but don't know whether your current contributions are enough to support the retirement you want.
Your pension has never had a proper plan
You're self-employed or your pension contributions have been inconsistent, and you want to know what you should be doing now.
You've received a pension through inheritance
You've inherited pension benefits and need to understand your options before making a decision.
You're approaching a major change in your working life
You're changing jobs, becoming self-employed or preparing to reduce your working hours, and your pension needs to reflect that change.
What could happen without a plan?
Old pensions stay out of sight
Pensions left with previous employers can become difficult to track, compare and manage, making it harder to know whether they still suit you.
Valuable tax opportunities can be missed
Pension allowances and tax relief can be significant, but opportunities you do not use may not always be available later.
Your retirement income remains uncertain
Without a clear view of your pensions, it is harder to know whether the income they may provide will support the life you want.
You can lose sight of the bigger picture
Looking at each pension separately can make it difficult to understand what your combined savings could actually provide.
Which best describes you today?
You may be considering this because your circumstances have changed, you’re planning ahead, or you simply want greater clarity.
What could happen without a plan?
You have pensions scattered across different employers
You have several old workplace pensions and are unsure what they are worth, how they are invested or whether they should stay where they are.
Old pensions stay out of sight
Pensions left with previous employers can become difficult to track, compare and manage, making it harder to know whether they still suit you.
You're unsure whether you're contributing enough
You have a pension in place but don't know whether your current contributions are enough to support the retirement you want.
Valuable tax opportunities can be missed
Pension allowances and tax relief can be significant, but opportunities you do not use may not always be available later.
Your pension has never had a proper plan
You're self-employed or your pension contributions have been inconsistent, and you want to know what you should be doing now.
Your retirement income remains uncertain
Without a clear view of your pensions, it is harder to know whether the income they may provide will support the life you want.
You've received a pension through inheritance
You've inherited pension benefits and need to understand your options before making a decision.
You can lose sight of the bigger picture
Looking at each pension separately can make it difficult to understand what your combined savings could actually provide.
You're approaching a major change in your working life
You're changing jobs, becoming self-employed or preparing to reduce your working hours, and your pension needs to reflect that change.
