Independent, UK-qualified pension advice for British expats in or approaching retirement
– because your location shouldn’t limit your retirement options.
Planning your retirement from abroad?
Like many British expats, you face a frustrating reality:
Your UK pension is likely your biggest retirement asset, but trying to access it as a non-resident is harder than it should be.
You may find your pension provider is unhelpful.
Your UK adviser can no longer work with you.
And your tax situation is suddenly far more complicated than expected.
This is where I come in.
Who is this for?
You’re a British expat, either already retired or within a few years of retirement.
You’ve built up pension savings in the UK, often in a personal pension or SIPP, but now live overseas.
And you’re wondering:
- What’s the best way to access my UK pension from abroad?
- What taxes will I pay, both in the UK and in my country of residence?
- How do I get a No Tax code from HMRC?
- Is there a way to draw down my pension flexibly and efficiently?
- How will the proposed changes to how UK pensions are treated for Inheritance Tax affect me as an expat?
- Can I still get proper, independent financial advice, even as a non-resident?
If that sounds familiar, you’re in the right place.
👉 Book Your Free Discovery Call
Or download your free checklist below.
The problem
UK pension providers are not always expat-friendly.
They may freeze your online access, delay payments, or insist on paper-based instructions.
Some refuse to make overseas payments altogether.
And it’s not just the admin.
Your options for drawing your pension can be more restricted as a non-UK resident.
Compounding the problem, UK-based financial advisers often can’t help you, and local advisers in your new country may not understand UK pensions at all.
The result?
Stress, confusion, and sometimes, poor decisions with lifelong consequences.
The solution
I offer a specialist Retirement Beyond Borders™ service for people like you.
As a UK Chartered Financial Planner and cross-border retirement specialist, I can help you:
✔️ Understand your pension options
✔️ Access your pension funds flexibly and tax-efficiently
✔️ Navigate HMRC and apply for an NT (No Tax) code where appropriate
✔️ Minimise double taxation risks
✔️ Get proper, transparent, fee-based financial advice, just like you would in the UK
All while making the process clear, calm, and stress-free.
What you get
My service is fully independent and always fee-based – no hidden charges, no commissions, and no product-pushing.
You’ll get:
- Clear, written advice tailored to your circumstances
- A tax-efficient plan for drawing your UK pension overseas
- Support with HMRC processes and paperwork
- Coordination with local advisers or accountants, if needed
About Me
I’m Ross Naylor, a UK Chartered Financial Planner with 29 years of experience, and a specialist in cross-border retirement and estate planning.
I’ve lived outside the UK for 24 years myself and understand the emotional and financial complexities of international financial planning.
I created the Retirement Beyond Borders™ service to give expats like you the expert guidance, clarity, and peace of mind you need to move back to the UK without financial uncertainty.
Common scenarios I help with
- You’re retiring to Spain, Portugal, France, or elsewhere in the EU
- You are ready to start drawing your UK pension and want to make sure it’s tax-efficient
- You want to transfer your pension but need independent advice first
- Your pension provider is making life difficult as a non-resident
- You’ve been told you need an NT code, but don’t know how to get one
- You’re not sure who to trust for advice
Peace of mind, wherever you are
Wherever you live now, and wherever you plan to retire, my goal is to make your pension work for you, not against you.
❌ No jargon
❌ No fluff
❌ No pressure
Just clear, professional advice tailored to your cross-border life.
Next step
If you’d like to explore whether my Expat Pension Advice service is right for you, click the button below to book a free 30-minute discovery call.
We’ll discuss your situation, your goals, and whether I’m the right person to help.
👉 Book Your Free Discovery Call
Or download your free checklist below.
