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
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
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'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
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
Alex Gover at SJB Global is a pleasure to work with. He is very professional, knowledgeable, and personable. I have no hesitation in recommending him and SJB Global. Alex advised... read more me on my options for transferring my private pension out of the UK and was fully transparent and trustworthy throughout. There are plenty of advisors who charge exorbitant fees and give bad advice, but Alex and SJB Global are not among them!

Dan
I have been a client of SJB Global for the past 3 years and, during that time, Matt Quinn has worked diligently to safeguard my portfolio, advising (but never pushing)... read more which direction I should take my investments. I must be one of Matt's smaller clients but you wouldn't guess it from the time and patience he shows on his regular catch up calls. I have no hesitation in giving SJB and Matt a five star review.

Rob Leach
Following the decision to switch to SJB Global in 2020 Matthew Quinn has been there with professional advice, information and support every step of the way since. I would certainly... read more recommend SJB Global to acquaintances along with Matthew as a trusted advisor.

ian killoh
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
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
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
I dealt with Piers Kemp who was extremely knowledgeable, approachable, swift to react to my queries (even the repetitive ones that he'd previously covered!) and, importantly, patient. It was a... read more long process slowed down by my previous providers, and at at times myself. However Piers never displayed frustration. It has been a top notch professional relationship thus far.

Woody Maynard
My adviser was comprehensive and thorough in ensuring they fully understood my situation and my objectives. The solution provided gives a good return but also reduces the management costs notably... read more - a key target. My adviser kept me very well informed and provided specific additional information where I had a concern. The process of transferring was efficiently and very well managed.

Glenn Vaughan
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
SJB Global have been my pension provider for a few years now. From switching over which was effortless to the array of products that they have access to is impressive.... read more My personal advisor is Matt Quinn a very honest and professional person that will keep me updated and informed along with a general review of my portfolio annually. Thank you for being my trusted partner Kind regards Justin woodmansee

Justin Woodmansee
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
I have to say that working with Randal Stephens has been a sincere pleasure and in the large majority of cases a blessing. His competence, his attitude to help a... read more non expert like me, his patience, his ethical behaviors in explaining pros and cons of the different actions to be taken has been really a gift to me. I can not remember of any single case in which I left the call with Randal with question marks and with me it would have been very easy in his field. Kudos to him and a sincere pity that I had to close this collaboration for personal circumstances

Alfonso Gentile
Since start of using SJB Global in 2018, I've restructured my pension and savings plans. Professional knowledge, experience and understanding of different available products has enabled me to make... read more some considered financial decisions. Now, I think I have a balanced portfolio of investments which can bring some returns for my retirement. I am currently in the process of making further investments and regular savings plans with SJB. Initially Jake Barber and now Ben Eccles have given me sound professional advice, not only on investments, but also on global trends, risks & opportunities. SJB are always available on request in addition to providing quarterly reviews. I can recommend SJB Global with confidence, to provide sound advice and good service. Thank you.

Paul Austin
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
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
My adviser was comprehensive and thorough in ensuring they fully understood my situation and my objectives. The solution provided gives a good return but also reduces the management costs notably... read more - a key target. My adviser kept me very well informed and provided specific additional information where I had a concern. The process of transferring was efficiently and very well managed.

Glenn Vaughan
Alex Gover at SJB Global is a pleasure to work with. He is very professional, knowledgeable, and personable. I have no hesitation in recommending him and SJB Global. Alex advised... read more me on my options for transferring my private pension out of the UK and was fully transparent and trustworthy throughout. There are plenty of advisors who charge exorbitant fees and give bad advice, but Alex and SJB Global are not among them!

Dan