SJB Global

23/10/2026

Moving abroad? Your UK pension doesn’t have to move with you.

Many assume relocating means they need a QROPS. Often, it doesn’t. And with a potential 25% Overseas Transfer Charge on some transfers, getting it wrong can be costly.

Our latest article explains your options and what to consider before making any permanent changes.

Read the full article: https://sjb-global.com/can-i-transfer-my-uk-pension-if-i-live-abroad/

Can you transfer your UK pension abroad? Explore UK pension options, QROPS, the 25% Overseas Transfer Charge and key considerations for expats.

06/08/2026

Thinking about leaving the UK?

Dion Angove is joining a live webinar on Wednesday 19 August at 5pm (UK time) covering the financial side of moving abroad:

- Tax considerations when leaving the UK
- Wealth and investment planning for your move
- Mortgages and lending once you've left
- Currency exchange and international transfers

Plus a live Q&A with the full panel, including experts from Fine & Country, Enness Global and Lumon.

Can't join live? Register anyway and we'll send you the recording.

Register here: https://register.gotowebinar.com/register/5869129754570040665?source=SJBS1

30/06/2026

Another change at the top of UK politics, and another wave of questions from people planning a life abroad.

Will my pension be affected? Should I worry about the pound? Is now a bad time to move?

The reassuring truth? a new Prime Minister doesn't change tax law overnight.

But moments like this are a good nudge to make sure your plans, pensions, currency exposure, tax position, are built to handle whatever comes next.

We've written a bit more on what this could mean for anyone relocating, retiring abroad, or just keeping an eye on their UK pension.

Discover how a change in UK Prime Minister could affect pensions, tax, investments and currency planning for Britons moving abroad.

19/05/2026

Thinking about leaving the UK?

The single biggest factor in how much tax you pay on the way out? The planning you do BEFORE you go.

Dion Angove, and George Symes are hosting an open session on 28 May 17:00 CET, for anyone considering an international move, whether the plan is firm or still taking shape.

What you'll walk away with:

✔️ A clear view of how to legally minimise UK Income Tax, CGT, and IHT
✔️ The 3 mistakes that catch high earners off guard every time
✔️ Why your exit date is one of the most important decisions you'll make
✔️ A framework for structuring your finances before and after the move

Register below:

The decisions you make before leaving the UK can have a bigger financial impact than anything you do after. Get it wrong and you could face a six-figure tax bill. Get it right and you legally protect your wealth. This webinar is for high earners, business owners, and professionals planning an intern...

05/05/2026

Retiring abroad? Your UK State Pension might not grow with you.

In countries like Australia, Canada, New Zealand and South Africa, the State Pension is frozen. Locked at the rate it was first paid.

No triple lock. No annual uprating. No protection against inflation.

Over a 20-year retirement, the gap between a frozen pension and an uprated one can quietly grow into a serious shortfall, eroding purchasing power year after year. Yet most expats only discover this after they've moved.

If the State Pension is part of your retirement plan, where you live could matter as much as how much you've saved.

George Symes breaks down which countries are affected, why the policy exists, and how to plan around it.

Understand how UK State Pension freezing affects expats abroad and what it means for your long-term retirement income.

17/04/2026

Leaving the UK? Your finances don’t just come with you unchanged.

From ISAs losing local tax advantages to pension access becoming more complex, the small details can have a big impact once you’re non-UK resident.

In this piece, Dion Angove, breaks down what actually happens to your ISAs, pensions, and investment portfolio when you move abroad and where people often get caught out.

If you’re planning a move, this is worth a read before you make any decisions.

Read the full article.

GlobalMobility

Learn what happens to ISAs, SIPPs and investments when leaving the UK. Understand tax, access and planning considerations for expats.

08/04/2026

QROPS aren’t inherently bad. But they’ve been widely misunderstood.

For some, they offer flexibility. For others, they’ve resulted in higher costs and lost guarantees.

The difference comes down to suitability, not marketing.

This article explores where things went wrong and how to approach overseas pension decisions more carefully.

Understand QROPS risks, costs and suitability. Learn when overseas pension transfers may or may not be appropriate for expats.

18/03/2026

SIPP. QROPS. QNUPS.

You’ve probably seen these terms and wondered which one actually makes sense.

Choosing the wrong structure can create unnecessary tax, higher fees, or lock you into something that cannot easily be undone.

There is no universal “best” option. It depends on where you live, where you plan to retire, your tax residency, and your long-term goals.

We chat about what each one is and when it may be suitable.

Read the full piece.

Confused by SIPPs, QROPS, and QNUPS? Learn the key differences and how expats can choose the right pension strategy for overseas retirement.

09/02/2026

Feedback like this really means a lot to us.

Looking after clients over the long term is at the heart of what we do, so it is always rewarding to see that care and attention recognised.

A special thank you to Piers Kemp for the patience and dedication mentioned here, and to our client for trusting SJB Global with their plans.

18/12/2025

Honest. Informative. Transparent.

Exactly how financial advice should feel. It’s great to see that reflected in our clients’ experiences. Thank you for the trust.