retirement abroad | Ross Naylor

UK Pension Inheritance Tax Changes: Five Questions British Expats Should Ask Before April 2027

From April 2027, most unused UK pension funds and pension death benefits will be brought within the UK inheritance tax regime. This guide explains five important questions British expats should consider now, including residence history, beneficiaries, executors and pension withdrawals.

Do UK Pension Providers Still Owe Consumer Duty Protections to British Expats?

Does FCA Consumer Duty still protect British expats with UK pensions? This guide explains how the rules currently apply to overseas residents, why pension providers and advisers may restrict their services, and the FCA’s proposed changes for cross-border pension business.

Tax Year Trickery: Moving Abroad and UK Pension Tax

Moving abroad can change how your UK pension withdrawals are taxed. Different tax years, residency rules and overseas treatment of UK tax-free cash can turn sensible pre-departure planning into an unexpected tax bill. This guide explains what British expats should consider before taking pension benefits and relocating overseas.

Why Do UK Pension Providers Restrict Expats After They Leave the UK?

Many British expats assume their UK pension will work exactly the same after moving overseas. This guide explains why some pension providers restrict non-UK residents, how it can affect drawdown and retirement income, and the steps expats should take before retirement.

Should I Consolidate My Pensions? A Guide for British Expats

Many British expats hold pensions across multiple providers, making retirement planning increasingly difficult to manage. This guide explains when pension consolidation may help, the risks involved, and why overseas residency can complicate pension drawdown options.

What The New UK Tax Year Means For British Expats In 2026/27

Many British expats assume UK tax changes no longer affect them after moving abroad, but pensions, inheritance tax, ISAs and future UK plans can still be impacted. This guide explains the key 2026/27 tax year changes expats should understand.