Pension Transfers

Pension Calculator

Hoxton Capital Management is an award-winning, regulated pension transfer firm. We specialise in helping expats invest their pensions into revenue-generating assets and guide them in achieving their financial goals for their families and their futures.

Living and working abroad brings its stresses. Therefore, making sure your finances are protected now and later down the line is imperative. We ensure that any investments made are in line with our client’s assessed appetite for risk with a view to achieving the desired income in retirement. 

We offer our clients a fresh approach with a dynamic energy that sets us apart from our competitors in the offshore marketplace. Our main goal is to ensure our client’s pension needs are met, no matter where they are in the world.

Explore Pension Transfer options

PENSION TRANSFER CALCULATOR

Many people ask us if they can transfer their pension. This quick assessment can give you an idea of whether your pension assets are transferable.

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UK Pension Transfer Guide

Our pension transfer specialists have put together this guide for expatriates and international investors with private or company pensions in the UK.

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Why TRANSFER YOUR PENSION

Read here what our advisers had to say about why it might be a good idea for your to transfer your pension if you are an expat.

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What pension do you want to transfer?

Defined Benefit

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.

Defined Contribution

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.

401K rollover

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?

SIPP

SIPP

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.

QROPS

QROPS

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.

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 Dean

    Managing Partner

    Matt DeanMANAGING PARTNER Contact Details Licensed, Registered or regulated in the UK by the Financial...

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  • Chris Ball

    Managing Partner

    Chris BallMANAGING PARTNER Contact Details Licensed, Registered or regulated in the UK by the Financial...

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Why choose us for pension transfers

QUALIFIED

All our Pensions and Retirement Planning specialists are fully qualified to the levels required by the UK FCA. Advisers within the global team will also hold regional/jurisdictional specialist qualifications as required to conduct advice in their region. 

GLOBALLY REGULATED

Hoxton Capital Management has regulated advisory businesses and licenses in multiple jurisdictions worldwide, including Australia, Europe, the UK, the Middle East, and the United States. 

PENSION TRANSFER SPECIALISTS

An area within Retirement Planning in which Hoxton Capital Management are particularly firmly established as highly renowned specialists is in the field of Pension Transfers

VAST INTERNATIONAL EXPERIENCE

Most of our advisory team have spent their careers as advisers helping clients who live overseas and, as a product of that, are expatriates themselves. This means that on a very direct basis, we understand very closely the specific challenges and nuances that enter the equation when you are trying to plan your retirement internationally. It is a complex task and requires a deep understanding of what factors must be considered and what options are available.

HIGHLY RATED ADVICE

We are proud to be specialists in our field, but even prouder that our clients continue to confirm in their feedback that they hold our advice and our personnel in extremely high regard.
Entrusting the management of one’s retirement assets is a significant decision to make, and our clients continue to be satisfied with the nature and quality of the advice they receive around their retirement planning and beyond.

testimonials

Disclaimer

The information on this page is directed only at persons outside the United Kingdom and must not be acted upon by persons in the United Kingdom.

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