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.




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.


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.






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.
