UK Pensions While Living Abroad?
Make Sure Yours Are Still Working For You
If you’re reviewing your pension or considering a transfer, the first step is understanding how your situation actually fits together.
If you’ve worked in the UK, you may have multiple pensions from previous employers.
We help you review, consolidate, and optimise them based on your current residency and long-term plans.
Download the guide to understand how tax residency, pension size, and long-term plans affect your options.
✔ Designed for UK expats and internationally mobile individuals
✔ Covers UK pensions in a real-world context
✔ No obligation, no generic advice
Living abroad changes how your pension is treated
Most UK pensions are set up with one assumption: that you remain in the UK.
Once that changes, so does:
- How your pension is taxed
- How you access your income
- How your wealth is passed on
Yet many expats:
- Leave pensions untouched in the UK
- Transfer without fully understanding the implications
- Or rely on generic advice not designed for cross-border planning
About Josh Clancey
Trusted by expats navigating complex cross-border pension decisions.
Josh helps internationally mobile professionals make smarter decisions about their UK pensions, retirement planning, and long-term wealth, especially when life spans more than one country.
He is a Dubai-based, UK and US-qualified adviser, his approach is built around joined-up financial planning, not product-led recommendations.
That means looking at:
- Your residency (now and future)
- your tax exposure across jurisdictions
- your pension structure and income strategy
- and how everything fits together long-term
Because for expats, pensions don’t exist in isolation, they sit within a much wider financial picture.
What Our Clients Have to Say
What Happens After a Pension Review?
As Seen In
Finance with JC is a brand name that is used by Josh Clancey. Josh Clancey is employed by Skybound Wealth Management.
Advice is provided based on your individual circumstances, residency status, and applicable regulations. You should ensure you understand the regulatory status of any advice you receive and how this applies to your situation.
This information is for guidance only and does not constitute financial advice. Pension transfers are complex and may not be suitable for everyone. The value of investments can fall as well as rise, and you may get back less than you invest.
Start With A Pension Scorecard
Before making any decisions, the first step is understanding what you already have.
Many expats have multiple pensions across different employers, often without a clear view of how they perform or how they are structured.
Our pension scorecard helps you understand:
- What pensions you hold
- How they are performing
- Where inefficiencies may exist
- Whether consolidation could improve outcomes
In many cases, improvements can be made without transferring anything at all.
Why Many Expats Consolidate Their Pensions
It’s common to build up multiple pensions over your career.
Bringing them together into one place can:
- Make them easier to manage
- Reduce duplicated fees
- Improve visibility and control
- Align your pensions with your current goals
However, consolidation isn’t always appropriate, which is why a structured review should come first.
