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.

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

British expats living in Poland often hold UK pensions transferred into a QROPS. This guide explains how Polish tax rules interact with QROPS, the risks to watch for, and when reviewing or moving your pension could be the right decision.

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?

Many British expats move overseas without fully understanding how their UK pension is affected. This guide explains what happens to your pension when you live abroad, including tax treatment, access rules, and transfer options.

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…

Are UK Pensions Now Liable for Inheritance Tax? The New Pension IHT Rules Unpacked

Significant changes to UK pension inheritance tax rules are set to take effect from April 2027, and British expats could be among the hardest hit. If you’re living abroad with plans to retire back in the UK, this comprehensive guide explains what’s changing, who’s most at risk, and the steps you can take now to reduce future tax exposure and protect your family’s financial legacy.

How Much Will You Really Retire On? Decoding Your Pension Statement

Have you ever stared at your pension statement and thought: “Okay, but what does this actually mean?” Don’t worry. You’re not alone. Every week, I speak with people who feel confused, overwhelmed, or even a bit embarrassed about not understanding their pension paperwork.

Retire to Poland with Confidence: Essential Tips for Brits Looking to Move

Retiring abroad is a big step, and Poland is becoming an increasingly popular choice for British expats. Whether you’re considering retiring to Poland for its lower cost of living, quality healthcare, or cultural appeal, this guide covers everything you need to know. From legal requirements to finances, we’ll help Brits in Poland and those returning to Poland plan their retirement successfully.

How do I apply for an NT Code for pension income? An expat guide

An NT (No Tax) code is granted to individuals who receive UK-sourced income and reside in a country that has a double taxation agreement (DTA) with the UK. [Note, for expats in Europe these rules still apply after Brexit, as these tax treaties were made outside of EU legislation.] The code allows you to receive UK pension income, without having tax deducted at source.

My Big Fat Greek Retirement: A Guide for UK Citizens Looking to Retire to Greece

Are you a UK citizen planning on retiring to Greece? If so, you’ve come to the right place! In this comprehensive guide, I will ensure that you have all the information you need to make informed decisions and smoothly transition into your Greek retirement.

How to Save for Retirement as an Expat

Expat Retirement Planning Planning for retirement is a challenge at the best of times, but for expats, it can be even more complicated. If you’re living overseas, you will not have access to the same pension and investment options as you did in the UK. You might also face tax complications and currency risks. So how do you save for retirement as an expat? In this guide, we’ll break it down into simple steps to help you build a…

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