What to Think About When Moving Abroad from the UK
A Comprehensive Guide to Pensions, Transfers, Investments, Taxation & Estate Planning
Moving abroad is one of life’s biggest transitions, an exciting blend of new landscapes, lifestyles, and opportunities. Yet beneath the adventure lies essential financial planning. UK pensions, investments, taxation, and inheritance rules don’t switch off when you leave; they interact with your new country’s system in ways that can be beneficial, or costly, depending on your preparation.
Moving Abroad from the UK?
Download your FREE 2026 expert guide and plan your move with confidence.
Fill in the form to access your free guide and gain practical insights to help you protect your wealth, remain compliant, and make informed decisions before and after your move overseas.
What You’ll Learn in This Guide
UK Pensions Explained
Learn how state, workplace, and private pensions work when moving abroad.
Property Decisions
Sell, rent, or keep your UK property? Understand tax implications and non-resident landlord rules.
Investments & Savings
Review UK investment products, explore multi-currency portfolios, and avoid tax inefficiencies.
Cross-Border Tax Planning
Understand residency, DTAs, pension taxation, and tax-efficient withdrawals overseas.
Inheritance & Estate Planning
Plan for UK IHT, local wills, and cross-border estate strategies to protect your wealth.
Banking & Currency
Set up accounts, manage multi-currency payments, and stabilise retirement income.
Major 2026 Changes
Stay ahead of state pension updates, inheritance reforms, and EU/UK regulation changes.
Actionable Checklist
Step-by-step guidance on pensions, investments, property, and financial planning before your move.
Your Free Guide to Moving Abroad from the UK
Practical financial guidance for UK expats navigating pensions, taxes, and investments overseas
Get access to our comprehensive 2026 PDF guide: What to Think About When Moving Abroad from the UK.
Inside, you’ll find expert insights on:
- Managing your UK pensions overseas
- Property planning: sell, rent, or keep?
- Restructuring investments for expat life
- Tax implications and residency rules
- Inheritance and estate planning considerations
- Currency management and cross-border banking
This free guide is one of many resources we’ve created for UK expats. By filling in the form, you’ll unlock access to our downloads page, packed with additional guides on pensions, tax, and financial planning for UK citizens abroad.

See What Our Clients Say
very professional, friendly. good expertise. able to answer any and all relevant questions. proactive and trustworthy

jeremy hotchkiss
Sound advice and guidance always from SJB Global. This professional outfit have a great perspective of the markets and I feel secure my investments are managed by these guys.

Peter Lacken
After having a bad experience worrying about an underperforming portfolio after moving my pension out of the UK (a QUROPS) I decided to make the changeover to it being... read more managed by SJB Global 2 years ago. They have turned the performance around, whilst at the same time listening to my needs and concerns and responding with clear and trustworthy communications. I am very happy I made the change!

Mike Hatrick
I have corresponded and spoken on the phone with Piers Kemp. His client service skills hit the top marks. He is professional, helpful, kind, polite, and knows what he is... read more doing. I also think that he goes beyond his work to help the client.

Kristiina St.Croix
Hi,I would just like to say,SJB Global are a life saver and the person who helped me with my pension needs was Daniel Latimer..At first I was was a little... read more Apprehensive but Daniel put my mind at rest and told me everything I needed to know(bad and good) Daniel has a great knowledge of anything Financial.but Especially with pensions.Daniel helped me through the whole process and it went so smoothly.Once all the paperwork was done(mainly by email) the lump sum I asked for came to my bank very quickly and now everything is in place Daniel keeps me updated every 6 months to tell me how my pension is fairing and if I need to change anything. If like me you need your pension sorted out and if you live abroad this is a fantastic company to sort everything out for you.I can't give my Financial advisor."Daniel Latimer" enough thanks for helping with my pension so now I can relax and enjoy my retirement knowing he is taking care of everything for me.If you do want to see what SJB Global has to offer you,ask to speak to Daniel Latimer and he will guide you through the whole process very professionaly . A very satisfied customer Adrian Churchill

Adrian Churchill
2021 / 2022 have been turbulent years and I went in to the assessment expecting a very painful feedback on my portfolio. I am happy to say Ben Eccles managed... read more to keep my losses to a minimum, and I have faith that once the chaos of the world today stabilises, he will make up for the challenges to date.

Adam Smith
Great experience so far with Ben, always keeps me up to date and informed and also great at explaining things clearly when the information gets a bit technical!

kirk siddall
Jake Barber has been a fantastic Financial Advisor for me. When I was moving from the UK to Germany last Summer, I was searching online for a Financial Advisor who... read more specialises in helping UK expats who live in the EU. I contacted SJB Global and got a call back from Jake. From the first call I already started getting good advice on things related to my UK workplace and state pensions and investments, and ever since then I have received invaluable help with my finances. Jake is very knowledgeable and always on top of changes in the markets and regulations and quick to react and give me advice accordingly. He has also always been patient and very helpful with all my detailed questions and quick to respond over email too. I have moved my UK workplace pensions to SJB Global and I am very happy with the service I receive.

Siddique Khan
It’s been a breath of fresh air dealing with Jake from SJB Global. My previous advisor had set up my portfolio badly with annual costs eating heavily into my profits.... read more Jake focused on reducing costs to save me money whilst simplifying my portfolio to ensure it meets my ongoing requirements. The regular quarterly reviews have been positive and overall I have found Jake to be a very professional and knowledgeable advisor, in light of my experience I have recently recommended SJB global to several of my friends.

Darren Nash
Whilst early in my journey with SJB I have been very impressed by the knoweldge, perseverance and professionalism I have benefited from as a client of Ben Eccles. Whilst there... read more is no regret-proof investment plan, I feel that I get great advice and a responsive, personalised service that is better than any other service I have used before.

John Enoch
We have been extremely impressed with the professionalism and quality of SJB Global. Randal has been our contact throughout the process of setting up our arrangements and he has shown... read more both a superb understanding of our requirements and concerns, has always been available to provide advice and has carefully gone through all of the procedures with us. Nothing has been rushed and everything is transparent. We would strongly recommend SJB Global for investment and pensions advice and solutions.

Martin Kelsey
I feel very well looked after since I switched to support from Lewis at SJB Global. Receiving prompt attention as and when necessary is very important to me and I... read more really feel like I get that, plus the results have also exceeded my expectations. I would highly recommend both Lewis, as well as SJB

Kevin Mace
It is now been almost 18 months that I have been working with Matthew from SJB monitoring and advising on my pension policy. The support I am getting from Matthew... read more is amazing, I would say my policy is not the typical one, yet the quality of service is superb and very responsive, strongly recommend Matthew for anyone seeking professional and informative consulting on pension.

Iyad Hindawi
We moved our financial advisor from UK to Ben Eccles at SJB Global and have been very impressed with the care and attention to detail that he provides. He... read more is always available and informed whenever we have questions and we feel are pensions are in the best place as Spanish residents.

Juliette Slater
Having spent over 24 years of my working life in the UK, I decided to retire back in my home country. But with the issue of having to transfer my... read more pension, as my UK provider could/ would not sustain non British resident. I started the process some 1.5 years ahead of me retiring, as I had to consider all options available to me and most importantly finding a new trusted partner.As I was extra cautious, if not zealous, I needed to be walked through the entire process with due care and diligence, I have found all of this at SJB Global.Piers KEMP (my adviser at SJB) remained very resilient, and patient, to all my questions, including those about the reality and seriousness of the company (so many scams around in particular in the online world). He invested time and effort into our relationship, not making a single penny until the transfer was completed.So far so good, I am very pleased about SJB Global and Piers K. services.

Didier Fernandez
I moved my investment portfolio to SJB Global earlier this year as I was not seeing any growth with my previous investment company. I have to say that from the... read more initial phone call through to the finalization of the transfer I have experienced nothing but 100% professionalism from both Jake and Luke. On top of that they are both caring people who give you the feeling that they have all the time in the world for you, they explain things very clearly and are totally transparent when it comes to costs, something which my previous investment company were not. It is refreshing, especially in this industry to see such a different approach. Even though I have only been with SJB Global for 9 or so months I have already seen significant growth and I am very much looking forward to working with Luke and the team to grow further my portfolio in the future. I would highly recommend anyone who is feeling unhappy with there current investment performance to contact SJB Global. You will not be disappointed.

Paul Simms
I have been dealing with SJB since i retired 4 years ago and have had no issues with the service. The team are extremely helpful and have always looked... read more after my best interests. So much so, my wife also now uses them for her pension investments. They recognise what we need and also the best route to achieving this. I would have no qualms in recommending them.

Andrew Thompson
I have been a client of SJB Global for over 4 years. Jake Barber and the team have provided excellent guidance and support during this time. As a result, I'm... read more approaching retirement without unnecessary stress. In an industry with far too many charlatans, I wouldn't hesitate to recommend SJB Global to anyone remotely concerned about the service they are getting from their financial advisor.

Steve Matthews
I've just completed the transfer of my UK pension to an international setup with SJB Global and Alex Gover as my Advisor. The process was made very clear by Alex... read more and I am confident that my finances are in safe hands with SJB.Over the last few years I've been contacted by many companies interested in advising on my expat/UK pension situation. However, I felt the approach of many to be pushy and/or they were not being transparent with fees. This was not the case with SJB, who clearly explained all the costs, constraints and benefits involved in the pension transfer and Alex spent a significant amount of time and effort with me ensuring I understood the process. Overall I am very happy and am in much greater control of my UK pension (and retirement) than I was previously. Cheers Alex

Andrew Taylor
Worked with Robert Hoey who arranged my Pensions and Investments details in a patient professional manner. Robert has impressed me with his knowledge and understanding of my situation and my... read more concerns where he put these to rest by being open and transparent and providing great advice. Robert is always available to my many questions and the advice is always to the point. I have no hesitation recommending Robert and SJB Global for investment and pensions advice and solutions.

Geoffrey Rea
As first time clients of SJB global who have dealt solely with Mr Alex Gover from the moment of our initial approach to SJB and our subsequent investment. The... read more highly professional and supportive manner in which Mr Gover dealt with our initial questions was an important factor in our selection of SJB over other providers with whom we had made initial contact. Mr Gover could not have been more accommodating and our subsequent meetings have been both cordial and productive. His explanations of issues initially out of our experience have been both clear and informative - he has gone out of his way to ensure that the implications of every decision we have made has been clearly understood. Mr Gover is a man in whom we have great trust and we have been impressed by his willingness to ensure he understandsus and our financial needs. His openness and his integrity have been key.

Roslyn Kelly
I’ve dealt with Lewis over the past few months and he has been great help in transferring my pension across. He was always very professional and patient, ensuring I fully... read more understood everything and kept me updated on the progress and next steps through the transfer process. Look forward to continue working with Lewis over the coming years.

tanya spelkova
2021 / 2022 have been turbulent years and I went in to the assessment expecting a very painful feedback on my portfolio. I am happy to say Ben Eccles managed... read more to keep my losses to a minimum, and I have faith that once the chaos of the world today stabilises, he will make up for the challenges to date.

Adam Smith
Hi,I would just like to say,SJB Global are a life saver and the person who helped me with my pension needs was Daniel Latimer..At first I was was a little... read more Apprehensive but Daniel put my mind at rest and told me everything I needed to know(bad and good) Daniel has a great knowledge of anything Financial.but Especially with pensions.Daniel helped me through the whole process and it went so smoothly.Once all the paperwork was done(mainly by email) the lump sum I asked for came to my bank very quickly and now everything is in place Daniel keeps me updated every 6 months to tell me how my pension is fairing and if I need to change anything. If like me you need your pension sorted out and if you live abroad this is a fantastic company to sort everything out for you.I can't give my Financial advisor."Daniel Latimer" enough thanks for helping with my pension so now I can relax and enjoy my retirement knowing he is taking care of everything for me.If you do want to see what SJB Global has to offer you,ask to speak to Daniel Latimer and he will guide you through the whole process very professionaly . A very satisfied customer Adrian Churchill

Adrian Churchill