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UK Pension Entitlements

As a British citizen, you may have built up UK based Pension Entitlements from a number of sources and there are a number of important factors that you may need to be aware of, particularly if you are currently non UK resident.

Some common sources of UK Pension Entitlements are:-

  • Current and Former Employer Schemes.
  • SIPPS, Personal and Stakeholder Pensions.
  • Current Government Entitlements such as the Graduated State Pension Scheme, SERPS and S2P.
  • The Basic Government State Pension.

Unless you are UK resident for Tax Purposes and have UK relevant earnings, it is unlikely that you should be contributing to a UK Registered Pension Scheme but you may have a variety of different existing and future entitlements which need to be considered as part of your overall Financial Planning.

UK registered Pensions provide valuable tax benefits for contributions made when you are UK resident but there are restrictions on when and how you draw income as well as passing on your entitlements to your family.

At Unity Financial Partners, we can provide specialist advice in the following areas:-

  • Pension Consolidation: In many cases, we can consolidate several stranded pension funds into one actively managed scheme.
  • Advice on SIPPS, Personal and Stakeholder Pensions.
  • QROPS: How to transfer your UK entitlements to a more tax efficient and flexible structure for UK expatriates intending to retire or draw benefits overseas.
  • Returning to the UK: We can help you to integrate your existing overseas planning to incorporate Tax Efficient Pension Planning when you are back in the UK.
  • Active Pension Fund Management: Like any investment, your Pension Entitlements need careful ongoing monitoring and management.

Put us to the test and contact us today

To find out more about how we can help, please contact us today by clicking on one of the links below. You may find it helpful to complete our Online UK Pension Entitlement Analysis which is designed to give you some quick feedback on how to make the best use of your current and future entitlements.

Click here to go to our Online UK Pension Entitlements Analysis
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Living or moving overseas from the UK with Pension Benefits?
Find out how you may be able to benefit from a QROPS.

1. No need to buy an Annuity
2. Income paid gross
3. No tax charge on passing assets to     Beneficiaries.

Do you have a UK Endowment Policy?
Did you know that you may be able to release the cash value of your UK endowment policy with up to 35%
more than the surrender value paid by the bank or insurance company who sold you the policy.

Perhaps you need access to cash or would like to look at more suitable investment options.
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