Expat Retirement Planning | Ross Naylor

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How to Choose the Right QROPS Adviser

Finding a trustworthy QROPS adviser can be difficult, especially for expats faced with conflicting advice and complex rules. This guide shows you what to look for, the red flags to avoid, and how to choose the right specialist for your overseas pension.

QROPS Explained: How the 5-Year Rule Affects Your Overseas Pension

If you’re navigating the complex world of overseas pensions, you’ve likely come across the term “QROPS.” Standing for Qualifying Recognised Overseas Pension Scheme, QROPS have long been a consideration for expats who want to transfer their UK pension abroad. But there’s one aspect that often causes confusion: the QROPS 5 year rule. Let’s break it down in simple terms.

I’m Unhappy With My QROPS, What Should I do?

If your QROPS isn’t performing or the fees feel too high, you’re not alone. This guide explains the common problems expats face, what you can realistically fix, and when switching to another pension option might be the smarter move.

Evaluating Expat Pension Options: Should I Keep My QROPS or Move to a UK SIPP?

Many expats are questioning whether their QROPS still offers real value. This guide breaks down the pros, risks, fees and 2025 rule changes to help you decide whether to keep your QROPS or switch to a different pension option.

QROPS Advice: How New HMRC Rules Could Impact Your Overseas Pension Transfer

HMRC’s updated rules could significantly affect how expats transfer UK pensions overseas. This guide breaks down what’s changing, how the charges work, who is most affected, and the key checks to complete before considering a QROPS in 2025. Clear, practical guidance for anyone planning an overseas pension transfer.

Are QROPS Still Suitable in 2026?

QROPS have changed significantly in recent years — and many expats are unsure whether they still offer real benefits. This guide explains the latest 2026 rules, tax implications, charges, and when an International SIPP may be a better alternative. Clear, practical advice for UK expats reviewing their pension options.

QROPS Guide for Expats – Understand Your Options (2025/2026 Edition)

Not sure if a QROPS is right for you? This comprehensive guide explains how overseas pension transfers work, when to review your options, and how expats can choose between a QROPS and a UK SIPP for better control and tax efficiency.

Autumn Budget 2025: What British Expats Need to Know

The Autumn Budget 2025 brings major tax and pension changes that affect British expats with UK income, property, or pensions. This guide explains what’s changing, why it matters, and the steps you can take now to stay ahead and protect your wealth.

QROPS Poland: Should British Expats Review or Transfer Their UK Pension?

If you’re a British expat in Poland with a QROPS, a pension review could reveal hidden fees, outdated structures, or better SIPP alternatives. This guide explains when to review, transfer, or stay put — and how to protect your retirement income.

Help, I’ve Just Been Sacked by My Financial Adviser Because I Live Overseas

Being dropped by your UK financial adviser after moving overseas is more common than you think. This guide explains why it happens, the risks to your pension and tax planning, and how to find the right cross-border advice so you can protect your retirement with confidence.

Expat Life and Financial Planning: The Known Knowns, Unknown Unknowns, and the Unexpected

Expat life brings freedom – and financial complexity. This guide explains the “known knowns” and “unknown unknowns” of cross-border money management, helping British expats plan confidently and avoid costly surprises.

AES International Review: My Perspective as a Chartered Financial Planner

Thinking about working with AES International? In this honest review, Chartered Financial Planner Ross Naylor shares his insights from more than 16 years with the firm. He explains how AES operates, what clients can expect, and why its evidence-based, cross-border approach to financial advice has earned such a strong reputation among British expats worldwide.

How AES International Supports Expats with Cross-Border Financial Advice

For more than 16 years, Chartered Financial Planner Ross Naylor has worked with AES International, helping British expats make smarter cross-border financial decisions. In this article, Ross shares his personal experience inside the firm — what makes AES different, how their client-first approach works in practice, and why long-term relationships are at the heart of great financial advice.

Why I’ve Chosen to Work with AES International for 16 Years as a Financial Adviser

AES International is a global financial advice firm specialising in helping British expats manage their wealth across borders. In this article, Chartered Financial Planner Ross Naylor explains how AES’s unique approach — combining international expertise with transparent, client-focused advice — helps expatriates protect, grow, and structure their finances more effectively wherever life takes them.

Expat retirement: Which countries are affected by Frozen State Pension?

When retiring abroad, understanding the impact of the UK’s frozen state pension policy is crucial. Over half a million retirees face financial challenges as their pensions remain stagnant in certain countries. This article explores how the frozen state pension affects expat state pensions abroad, providing insight into which countries are impacted and offering advice on how to navigate this issue.

Expat State Pension guide (2025/2026 update)

Understanding the Expat State Pension is crucial for British expats who are living abroad. As a British expat, it’s important to know how the UK state pension works and how it affects your retirement planning, ensuring you receive the full benefits you’re entitled to.

Can I save into a UK pension plan if I live abroad?

Yes, you can live abroad and save into a UK pension scheme. However, there are limits to the tax relief you can claim on your contributions. If you move overseas, for the next 5 tax years you can still make pension contributions of up to £3,600 a year and get tax relief. This assumes you have no earnings taxed in the UK. If you continue to have earnings taxed in the UK, tax relievable contributions can be based on these…

Pension Awareness Week UK 2025: What Every Expat Needs to Know

Pension Awareness Week UK 2025 is a timely reminder for expats to review their retirement plans. With the State Pension age rising, inheritance rules changing from 2027, and overseas tax traps on “tax-free” lump sums, expats face extra complexity. From voluntary NI contributions to understanding cross-border tax, early planning can protect your income and legacy.

Thinking of Retiring to Spain from the UK? Here’s What You Need to Know First

Retire to Spain from UK Spain has long been one of the most popular retirement destinations for UK citizens – and for good reason. Sunshine, great food, a relaxed pace of life, and lower living costs continue to draw retirees southwards. But retiring abroad isn’t just about finding a nice view. There are important financial, legal, and lifestyle decisions to consider. This guide will walk you through everything you need to know if you’re planning to retire to Spain from…

Retiring Abroad: The Complete UK Expat Guide

Retiring Abroad from the UK Thinking about retiring abroad from the UK? You’re in good company. According to the UK’s Department for Work and Pensions, over 1.2 million UK pensioners currently live overseas. Spain, France, Portugal, Greece, and Poland are among the most popular destinations, each offering its own lifestyle, healthcare system, tax regime, and cost of living. But while the dream of warm sunshine and lower living costs is appealing, retiring abroad is a complex decision. Pensions, taxation, property…

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