Thinking About Transferring Your UK Pension?

Download your free guide and get clear, objective information on how UK pension transfers work, and whether they’re right for you.

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Get in touch to explore your pension transfer options and how to access your retirement income tax-efficiently.

If you’ve built up pension savings in the UK and now live abroad, or plan to, understanding your options is crucial. The rules are complex, and changes in recent Budgets have added new tax considerations and reporting requirements.

This free guide walks you through:

• When a pension transfer may (and may not) be appropriate

• How UK pensions are taxed when you’re overseas

• The latest updates on transfer charges, exemptions and QROPS

• Alternatives such as UK-based SIPPs and keeping your retirement in its current scheme

Before you make any irreversible decisions, get the facts and understand the potential impact on your retirement income and your family.

Why Consider a Pension Transfer?

Transferring your UK pension can give you:

What's Inside the Guide?

• Whether transferring your UK pension is still beneficial in 2026
• QROPS vs UK SIPPs vs leaving your pension where it is
• How UK pensions are taxed when you live overseas
• How currency movements and fees can affect your retirement income
• What’s changed since 2024: the 25% Overseas Transfer Charge explained
• Estate planning and beneficiary considerations for expats
• Common mistakes people make and how to avoid them with proper advice

This guide is ideal if you are:
☑️ A UK national living abroad or planning a move
☑️ Unsure whether to keep, transfer or restructure your pension
☑️ Worried about tax, currency risk or losing valuable benefits
☑️ Seeking a clear, trusted overview before making a big decision

Whether you’re close to retirement or just starting to explore your options, this guide will help you understand the full picture.

Don’t Let Rule Changes Catch You Out

Over the last few years, the UK government has tightened the rules on overseas pension transfers, including a 25% tax charge on many transfers to schemes outside the UK. Unless specific exemption conditions are met, moving your pension could trigger a significant and irreversible tax bill.

This guide explains what those rules mean in practice, when the 25% charge can apply, when it may not, and why many people are now considering UK-based options such as SIPPs instead of transferring abroad.

Want Personalised Advice from a Firm That Puts People First?

Paul Humphreys Wealth Management helps clients structure their pensions and wider assets in a way that supports their long-term goals. Our approach is calm, patient and straightforward: technically accurate planning, explained in plain English, and always built around your circumstances.

The firm is led by Paul Humphreys, an experienced adviser who has been helping people protect and organise their wealth since 1995. Paul has held several senior roles across the financial and estate-planning sectors.

He supports clients with:

• UK pension structure and retirement planning considerations
• Estate and tax planning to protect family wealth
• Trusts, trustee investments and wealth preservation
• Wills, probate and will administration
• Lasting Powers of Attorney and long-term planning for incapacity
  

Ready to Talk to Someone who Sees the Person Behind the Pension?

We don’t build plans around products. We build them around people, their families, their assets, and the reality of living and retiring across borders.

But transfers also come with risks and tax implications and making the wrong decision could reduce your retirement income.