Planning on retiring abroad? 

I help people like you retire overseas with confidence, clarity, and a personalised financial plan, so you can protect your wealth, avoid costly tax mistakes, and enjoy your next chapter stress-free.

Why retiring overseas needs specialist financial advice

Leaving the UK isn’t just about relocation, it’s a financial reset.

You may be wondering:

  • How do I access my pensions abroad?
  • Should I sell or rent my property?
  • What happens to my ISAs?
  • Can I still get proper UK-standard advice when I’m living overseas?
  • How do I avoid triggering unnecessary tax charges?
  • What does it mean for inheritance tax?

If this sounds familiar, you’re not alone.

You want to make the most of your retirement overseas without getting tripped up by tax surprises, frozen pensions, or poor investment decisions.

That’s where I can help.

Ross Naylor
Ross Naylor - Chartered Financial Planner
The Overseas Retirement Roadmap
The Overseas Retirement Roadmap

Introducing The Overseas Retirement Roadmap™

A step-by-step process designed for people planning to retire abroad.

What’s included:

✔ Personalised Exit Strategy

  • Residency and domicile review
  • Tax timing 
  • Property and asset disposal 

✔ Pension & Investment Planning

  • Optimal pension structuring 
  • When to take your pension commencement lump sum
  • Offshore bond and investment structuring
  • ISA suitability review for your new country of residence

✔ Estate & Inheritance Planning

  • Cross-border estate planning
  • IHT mitigation and gifting
  • Will and beneficiary alignment

✔ Transition Support

  • Currency transfers and banking
  • UK exit admin guidance
  • Post-move check-in and ongoing advice options

Who is it for?

The Overseas Retirement Roadmap™ is designed for:

  • People planning to retire abroad within the next 6–24 months
  • Individuals or couples with £500k–£3m in pensions and investments
  • Those who want to avoid financial stress and move overseas well-prepared

👉 Schedule A Free Call To Find Out More

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 Return Ready Roadmap™ to give expats like you the expert guidance, clarity, and peace of mind you need to move back to the UK without financial uncertainty.

Real people, real results

Ross Naylor
Ross Naylor - Chartered Financial Planner

Start your Overseas Retirement Journey

Book a free 20-minute Discovery Call to explore how I can help you:

✔ Save thousands in avoidable tax

✔ Structure your UK assets for cross-border tax efficiency 

✔ Protect your family’s long-term wealth

👉 Schedule Your Free Call

Bonus: Get Your Free Checklist

Download your Overseas Retirement Financial Checklist to see exactly what to prepare before you move.

The Overseas Retirement Roadmap
Ross Naylor - Chartered Financial Planner
The Overseas Retirement Roadmap
Retiring Overseas
Retiring Overseas
Retiring Overseas

Frequently Asked Questions About Retiring Overseas

1. How will my UK pension be taxed if I retire abroad?

If you move to a country with a double taxation agreement (DTA) with the UK, like Spain, France, or Portugal, your pension will usually only be taxed in your country of residence.

But how it’s taxed depends on local rules, so it’s vital to get advice based on your destination.

2. Can I get an NT (No Tax) code from HMRC to stop UK tax being deducted from my pension?

Yes, if your new country of residence has a DTA with the UK, you can often apply for an NT code.

This lets your pension provider pay your income gross.

The process involves submitting a form (usually DT Individual) to HMRC and can take many months.

3. What happens to my ISA if I leave the UK?

You can keep your ISA, but you won’t be able to add new money once you become non-resident.

Also, most other countries don’t recognise ISA tax benefits, so the income and gains may be taxable locally.

4. Will I still get my UK State Pension if I live abroad?

Yes. Your UK State Pension is payable overseas.

If you move to an EU country, your pension will be uprated in line with inflation each year, just as if you lived in the UK.

However, in many other countries, it will be frozen at its original level once you start drawing it.

5. Can I draw down my UK pension flexibly while living overseas?

Maybe. It depends on your pension provider.

Some will let you, others will restrict your drawdown options.

6. Should I sell or rent out my UK property before moving abroad?

That depends on your financial goals, tax position, and how long you’ll be away.

Selling may simplify things, but renting can provide income and retain a UK foothold.

Each option has UK and overseas tax implications.

7. Do I need to inform HMRC when I leave the UK?

Yes. You should complete form P85 and let HMRC know you’re leaving.

This helps establish non-UK tax residency and can be essential for getting an NT code and stopping UK tax being wrongly deducted.

8. Can I still get proper UK-standard financial advice while living in Europe?

Yes.

I offer independent, fee-based advice tailored to UK expats.

I’m a UK-qualified Chartered Financial Planner and Pension Transfer Specialist with 25 years’ experience advising British clients abroad.

9. Can I still access my tax-free lump sum if I live abroad?

Yes, UK pension rules still allow you to take up to 25% of your pension pot as a lump sum, usually free of UK tax.

However, just because it’s tax-free in the UK doesn’t mean it’s tax-free where you live now.

Many countries (like Spain, France, and Portugal) treat the lump sum as taxable income, so you could face a surprise tax bill if you’re not careful.

That’s why it’s important to get advice before making any withdrawals.

10. Do I need to change how my investments are structured once I leave the UK?

Probably.

ISAs may lose their tax efficiency, and UK-centric funds may no longer be suitable.

You may need to consider tax-efficient structures recognised in your new country – like assurance vie in France or compliant bonds in Spain or Portugal.

Read More About Retiring Overseas

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

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

🔗 UK Expat Tax Rules: What You Need to Know

🔗 The Pros and Cons of a SIPP for Expats

🔗 What Happens to My UK State Pension if I Retire Abroad?

🔗 Top 10 Mistakes British Expats Make with Their Finances

🔗 What Is Specialist Expat Financial Advice and Why Do You Need It?

Ready to retire abroad with financial peace of mind?

If you’re thinking about leaving the UK, now is the time to plan.

The right decisions today can save you thousands in tax and make the entire process easier.

👉 Book Your Free Discovery Call

Or download your free checklist below.

📥 Download the Checklist

Ross Naylor

The information in this material is intended for the recipient’s background information and use only. It is provided in good faith and without any warranty or, representation as to accuracy or completeness. Information and opinions presented in this material have been obtained or derived from sources believed by AES to be reliable and AES has reasonable grounds to believe that all factual information herein is true as at the date of issue. It does not constitute investment advice, recommendation, or an offer of any services or products for sale and is not intended to provide a sufficient basis on which to make an investment decision. It is the responsibility of any persons wishing to make a purchase to inform themselves of and observe all applicable laws and regulations. Unauthorised reproduction or transmitting of this material is strictly prohibited. AES accepts no responsibility for loss arising from the use of the information contained herein.

 

‘AES’ refers to the AES Group’s separate but affiliated entities generally, rather than to one particular entity. These entities are AES Middle East Insurance Broker LLC registered with the UAE Ministry of Economy, United Arab Emirates, Licence no. 571368, and Commercial Registration no. 75162 and regulated by the UAE Central Bank license no. 189; AES Financial Services Limited, incorporated and registered in England and Wales with company number 06063185, authorised and regulated by the UK Financial Conduct Authority FRN: 464494; AES Financial Services (DIFC) Ltd, registered in the Dubai Financial Centre (DIFC) as a foreign company, license no.2128, and regulated by the Dubai Financial Services Authority (DFSA) Reference No F003476; AES International Limited, a private company incorporated and registered in the British Virgin Islands with company number 1839872; AES International Global Limited, a private company incorporated and registered in the British Virgin Islands with company number 1887885. Please visit our authorisations page for further information on regulation, redress and accessibility.

 

If you are outside the UK and we advise you or carry out other business, nearly all the rules, regulations and arrangements made under the UK regulatory regime (including the rules made by the FCA and the dispute resolution process provided by the UK Financial Ombudsman Service) will not apply to most aspects of the service you receive, such advice or business being provided from outside the UK. You should therefore clearly understand such rights and protection as are afforded in the jurisdiction where you receive advice. Local law, regulation and redress processes will apply in almost all cases, and will be different from that of the UK.

RISKS

Investments involve risks. The investment return and principal value of an investment may fluctuate so that an investment, when redeemed, may be worth more or less than the capital invested. Past performance is not a guarantee of future results. There is no guarantee strategies will be successful.

 

Ross Naylor © 2025. All rights reserved.

WhatsApp Me
Scan the code