Pensions & Pension Transfers for Expats
Wealth & Finance | Wealth & Tax
About
UK Pension Transfers for Expats in the UAE
Transferring your UK pension when relocating or retiring abroad is more than a financial exercise—it’s a strategic decision that shapes your long-term wealth, tax position, and legacy. For British expats and international clients living in the UAE, understanding how to manage UK pensions from overseas can be complex. Currency exposure, UK Lifetime Allowance (LTA) implications, future tax treatment, and changing domicile status must all be considered carefully.
Kingsbury & Partners connects clients to a network of experienced pension transfer specialists who understand the intersecting legal, tax, and financial frameworks involved in moving pensions from the UK to the UAE or another jurisdiction. Whether you're exploring a Qualifying Recognised Overseas Pension Scheme (QROPS) or Self-Invested Personal Pension Scheme (SIPP), consolidating multiple pensions, or seeking advice on retirement income planning, we help ensure your decisions are informed, compliant, and aligned with your broader wealth strategy.
What It Offers
Clients benefit from independent, UK-qualified advice and comprehensive planning tailored to their international status:
- UK pension transfer analysis: Evaluate if a QROPS or SIPP is suitable for your UK pension(s), based on residency, tax exposure, and long-term goals.
- Consolidation and simplification: Combine multiple pensions into a single, tax-efficient structure to gain better control and visibility.
- Currency and tax optimisation: Reduce exposure to GBP volatility and structure withdrawals to suit your tax residency and retirement location.
- Avoid UK LTA charges: For larger pensions, certain transfers may mitigate future tax penalties triggered by breaching the Lifetime Allowance.
- Access to global investment strategies: Work with specialists who can offer discretionary management, diversified portfolios, and retirement income modelling.
- Regulatory compliance and reporting: Ensure that any UK pension transfer meets HMRC rules and avoids unintended tax consequences.
Who It’s For
Our UK pension transfer services are ideal for:
- British expats living in the UAE
- Senior professionals with UK pension entitlements
- Those with defined benefit and/or defined contribution pension contributions.
Understanding Your Needs
Pension planning becomes especially complicated when life moves between countries. Many of our clients want to avoid being trapped by UK rules, frustrated by currency fluctuations, or caught off guard by tax changes. They’re looking for proactive advice—delivered clearly, quickly, and by professionals who understand the regulatory frameworks in both the UK and UAE.
Kingsbury & Partners is not a pension provider. Our role is to facilitate access to highly qualified advisers and pension specialists who are aligned with your interests. We simplify the process, help clarify your options, and connect you with the right experts to secure long-term control over your retirement assets.
About Our Partner
Our wealth management partner offers independent, conflict-free financial advice tailored to high-net-worth individuals and families across the GCC and beyond. With a philosophy grounded in clarity, long-term stewardship, and client alignment, they focus on building legacies—not just portfolios.
Key Highlights:
- Established: 2023, with a mission to redefine advisory standards in the offshore wealth management space
- Client Focus: Over 400 high-net-worth clients, including senior executives, entrepreneurs, and multigenerational families
- Team: Led by experienced wealth managers and investment professionals; regulated and qualified advisers with deep regional and international knowledge
- Regulation: Fully licensed and regulated by the Securities and Commodities Authority (SCA) in the UAE
- Fees: Operates on a fixed-fee basis, with no commissions from third parties—aligned to the UK’s fiduciary advice model for greater transparency and client trust
- Services: Provides comprehensive financial planning services, including investment management, retirement planning, estate planning, pension and pension transfers.
Together, we ensure that Private Office clients receive wealth management advice that is truly independent—anchored in expertise, free from conflicts, and focused on the future.
Eligibilities
- Resident of the United Arab Emirates
Frequently Asked Questions
Process
Share your existing pension details
Receive no-obligation review
Understand your transfer options
Compare providers and structures
Transfer or consolidate if appropriate
Kingsbury & Partners’ Private Office provides access to a range of wealth management financial services, and insurance solutions through our network of trusted partners. We do not provide financial, investment, tax, or legal advice directly. Any financial products or services referenced on our platform are offered by third-party providers, and clients should conduct their own due diligence before entering into any agreements.
Nothing on our website, marketing materials, or communications should be construed as an offer, recommendation, or solicitation to buy or sell any financial product or service. Past performance is not indicative of future results, and investments carry inherent risks, including the risk of loss of capital. Clients should seek independent professional advice before making any financial decisions.
Kingsbury & Partners may receive fees or commissions from certain providers for introductions or referrals, but we remain impartial in our selection process and prioritise the best interests of our clients.
Regulatory requirements for financial and insurance services vary by jurisdiction, and availability may be subject to local laws and licensing conditions. It is the responsibility of clients to ensure that they meet the necessary qualifications or eligibility criteria for any service they choose to engage with.
For further details, please contact us directly.