British expats. UK pensions. One clear plan.
If you built pension rights in the UK and now live in Austria or elsewhere in Europe, you face a unique set of choices: State Pension top-ups, SIPP drawdown, currency risk and whether a QROPS transfer still makes sense. We help you decide without a sales agenda.
Most UK pension advice is built for UK residents.
UK pension rules changed again in 2024: the Lifetime Allowance was abolished, new lump-sum allowances apply, and tax treatment for non-residents depends on your country of residence and any double-tax treaty. Generic online calculators rarely model the Austrian side correctly.
We model your UK entitlements alongside your Austrian and any other EU pensions, then build a single, sequenced drawdown and currency plan you can execute with confidence.
Considered. Sequenced. Transparent.
Map
Identify every UK pot: State Pension, workplace defined-benefit, defined-contribution and SIPP.
Compare
Analyse leaving, consolidating or transferring — including QROPS feasibility, fees and tax treatment.
Implement
Coordinate with UK pension providers and Austrian tax advisors to set up sustainable income.
Common questions.
Let's start with a conversation.
30 minutes with a senior advisor. We'll tell you honestly whether we can help.