Insights
Plain-English articles on UK pensions, cross-border tax, retirement and wealth planning — written for Swiss nationals and British & European expats by a CISI Chartered adviser.
Cross-border pension and wealth planning, explained honestly
The expat financial market is noisy, and a lot of what's written about UK pensions abroad, QROPS, SIPPs and double taxation is out of date or sales-led. These articles cover the questions clients actually ask — without jargon, without pressure, and grounded in the current rules. If something here prompts a question about your own situation, you can book a free, no-obligation call.
UK pensions abroad
What Happens to Your UK Pension When You Move to Switzerland (or Europe)?
How your UK pension works once you've moved abroad — access, tax, the UK–Switzerland treaty and your real options.
Read articleUK State Pension for Expats in Switzerland: Uprating, Claims & Tax
How to build, claim and tax your UK State Pension while living in Switzerland or Europe.
Read articlePension transfers
QROPS vs SIPP: Which Is Right for British Expats in Europe?
An honest comparison of QROPS and SIPP for British expats in Europe — after the 2024 rule change that reshaped the choice.
Read articleShould You Transfer a Defined Benefit Pension Abroad? A Chartered Adviser's Guide
A Chartered adviser's honest view on transferring a defined benefit (final salary) pension as an expat — when it can make sense, and when it shouldn't.
Read articleTax & retirement
Retirement Planning for Expats: How to Avoid Double Taxation Across Borders
How double-taxation treaties protect your retirement income — and the order you need to use them in to keep more of what you've earned.
Read articleUK Inheritance Tax for Expats: What Stays, What Goes
Why domicile matters more than residence, and how UK inheritance tax can follow British expats long after they leave.
Read articleHow to Claim an NT Tax Code from HMRC as an Expat
A step-by-step guide to getting an NT tax code from HMRC so your UK pension is taxed in your country of residence, not the UK.
Read articleAdvice where you live
Country-specific pages covering how UK pensions, tax and retirement income work in the places our clients most often live.
UK Pension Advice for Expats in Switzerland
How your UK pension works while you live in Switzerland — access, tax, providers and pillar 2/3a alongside it.
UK Pension Transfer Advice for Expats in Portugal
Keep it or move it? UK pension options, tax treatment and the traps for expats living in Portugal.
UK Pension Advice for Expats in Spain
UK pensions, Spanish tax reporting and euro income — what expats in Spain need to get right.
UK Pension Advice for Expats in France
Lump sums, social charges and where income is taxed — UK pension planning for expats in France.
Swiss Pillar 2 and Pillar 3a Planning for Expats
Buy-ins, vested benefit accounts and what happens if you leave Switzerland — pillar 2 and 3a explained.
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