What it is, and what it isn't.
A QROPS is a pension scheme based outside the UK that meets HMRC's rules for receiving a transfer from a UK registered pension. For genuinely settled expats it can offer flexibility, multi-currency drawdown and improved succession treatment.
Our role is to be honest about which camp you are in. We run the numbers, set out the comparison clearly, and only recommend a transfer when it genuinely improves your position.
Why our clients use it.
The four things our clients most often tell us they value, drawn from a decade of conversations about this part of our work.
Multi-currency drawdown
Take your pension income in the currency you actually spend in, without repeated FX trades.
Succession flexibility
Pass remaining pension benefits to beneficiaries with greater freedom than many UK schemes allow.
Investment freedom
Choose from a global investment universe, within the regulatory parameters of the host jurisdiction.
No UK lifetime allowance
Once correctly transferred, the assets sit outside the UK LTA regime entirely.
A simple, four-step engagement.
From the first call to ongoing service: what to expect, and when.
Eligibility
Confirm you are eligible to transfer and that doing so makes sense given your residency.
Jurisdiction
Choose the right QROPS jurisdiction: Malta and Gibraltar are most common.
Transfer
Coordinate the transfer with both the ceding and receiving schemes (typically 8–12 weeks).
Investment
Implement the investment strategy and report on it quarterly.
The questions we actually get asked.
If yours isn't covered, we're an email or a phone call away; see Contact below.
Start the conversation.
We offer an initial consultation without fee or obligation. It is a chance to discuss your circumstances and determine if our approach fits your needs.