Hoxton Capital Management is an award-winning, regulated pension transfer firm. Our pension transfer specialists help expats invest their pensions into revenue-generating assets and guide them in achieving their financial goals for their families and futures.
Living and working abroad brings its stresses. Therefore making sure your finances are protected now and later down the line is imperative. Our pension transfer specialists ensure that our client’s appetite for risk matches the income they want in retirement and offer a transparent approach to dealing with their pension needs.
Our pension transfer specialists make sure to offer our clients a fresh approach with a dynamic energy that sets us apart from our competitors in the offshore marketplace. Making sure our clients pension transfer needs are met, no matter where they are in the world is our main goal. Talk to one of our experts today!
Explore Pension Transfer options
PENSION TRANSFER CALCULATOR
Try our quick pension calculator to help you understand if you are on track for retirement and how much you may need.
Pension Transfer Webinar
Watch our latest webinar with pension transfer specialist & Managing Partner Matt Dean - How British expats can take control of their UK pensions.
UK Pension Transfer Guide
Download our free guide, designed by our pension transfer specialists, for expats and international investors with private or company pensions in the UK.
What pension do you want to transfer?
A UK Defined Benefit pension scheme is sometimes called a Final Salary pension scheme. These are a type of workplace pension that will pay you an income in retirement – based on your last salary level at the company and the number of years you worked for that employer. Rather than the amount of money you’ve contributed to the pension.
Private sector defined benefit pensions are funded, which means it is possible to request access to an equivalent cash value for your pension and transfer this amount elsewhere.
In the UK, Defined Contribution pensions, sometimes called Money Purchase schemes, are now the most common type of pension. When you retire, the value of a defined contribution pension will be determined by: how much money you and/or your employer have paid into the pension, how the investment of those funds has performed, and how much tax relief you have received.
If you are 55 or over, you can withdraw up to 25% of the value as a tax-free lump sum. The remainder will provide your income.
For International Pensions, we advise and assist clients with many other types of existing pension schemes across various jurisdictions – most notably Australia, Ireland, Netherlands, South Africa, Switzerland and the United States.
Whatever type of pension asset you hold, we can help identify and understand your options for consolidating these assets and/or transferring them somewhere more suitable for your retirement.
401k & US Pension Plans
If you plan to retire in the US, you should either have a traditional pension plan or a defined contribution scheme– such as a 401(k) account. While both provide money in retirement, there are differences between all the pension plans in the US.
Our US advisers have listed below the various schemes you can have in the US. At Hoxton Capital Management USA LLC, we understand the complications of managing various schemes and trying to get them invested, along with tax implications.
What pension transfer service is right for you?
A Self Invested Personal Pension (SIPP) is a UK pension vehicle for allowing investors to take control of their retirement investment. It offers more control to the individual and does not rely on trustees to make decisions for them.
The International SIPP is a tailored product for expats used by those with larger UK pension values and gives increased investment and currency choices.
Those who are temporarily, but not permanently living abroad, or those who think they are likely to return to the UK to retire in the future (or their surviving beneficiaries will return to the UK after their death) would generally also be well suited to considering a SIPP type solution.
A Qualifying Recognised Overseas Pensions Scheme (QROPS) is an international pension recognised by HMRC. Essentially it is a Trust arrangement that follows the UK Pension rules.
A QROPS can be particularly useful to those who are planning to retire abroad as it is flexible to your changing circumstances (such as moving between countries) and can benefit from local taxation rules around pension income.
Transferring to a QROPS means your pension will no longer fall under UK pension legislation and you will have access to a larger tax-free lump sum once you reach 55 years of age, greater currency and investment choice, and improved tax efficiency for your retirement.
Qualifying Non-UK Pension Schemes (QNUPS) are designed for pensions and income that will be taken outside the UK and can benefit wealthy retirement planners regardless of where they choose to live.
Funds within a QNUPS can be invested into a broader range of asset types, including commercial and residential property (irrespective of whether this is to be for your use or a buy-to-let investment)
QNUPS can also be used by UK Residents and can be an effective tool for IHT Planning.
Why transfer your uk pension?
If you have left behind a UK pension and are currently an expat located abroad, you must learn why transferring your pension might be the best option for you and your financial future.
If you are looking to transfer your pension to wherever you are in the world, our team of UK-qualified pension transfer specialists can help you put a plan in place to make the transfer as easy as possible.
the pension TRANSFER experts
Our dedicated team of pension transfer experts are on hand to support you with all of your queries
Matt DeanMANAGING PARTNER Contact Details Areas of Expertise Wealth Management Portfolio Management...view profile
Chris BallMANAGING PARTNER Contact Details Areas of Expertise Pensions Pension Transfers Investments...view profile
Nabeel AshrafPARTNER Contact Details Areas of Expertise Pensions Retirement Advice Pension Consolidations...view profile
Jonathan BrookesPARTNER Contact Details Areas of Expertise Pensions Pension Transfers Investments...view profile
Kareem RathorePARTNER Contact Details Areas of Expertise Pensions Pension Transfers Investments...view profile
Moheen AhmedPARTNER Contact Details Areas of Expertise UK pension advice Asset management UK tax...view profile
Michaela BoultonFinancial Adviser Contact Details BIO Michaela has been in financial services for...view profile
Thomas GoldieSENIOR WEALTH MANAGER Contact Details Areas of Expertise Pensions UK Pension Transfers...view profile