Expat Pension Consultation & Retirement Structuring

For many expatriates, pensions are one of the largest yet most overlooked parts of their financial landscape. With career mobility, international transfers, and changes in residency, it’s easy to lose visibility on how — or where — your pensions are positioned. At Clarity Global Wealth, we provide in-depth pension consultations specifically tailored for expatriates navigating cross-border retirement planning.

Whether you’re consolidating pensions from multiple jurisdictions, assessing how to draw an income, or trying to understand the impact of residency on pension taxation, we help bring structure and clarity to a complex area.

Why Pension Advice Matters for Expats?

Pensions are often tied to domestic tax rules, but expats are rarely in one place for life. As a result, pensions can become misaligned with your current and future residency, leading to:

• Unnecessary or double taxation on income

• Currency mismatch between where you live and where your pension pays out

• Difficulty understanding access options or death benefits

• Confusion over drawdown strategies or lump sum treatment

What We Do

We provide a personalised pension review, addressing:

• Your existing pension schemes, locations, and structures

• Options to consolidate, convert, or transfer pensions within compliant frameworks

• The tax treatment of pensions under your country of residence

• How it is currently invested

• Income drawdown and longevity planning

• Death benefit arrangements for global beneficiaries

We work in coordination with regulated partners in each jurisdiction to ensure that any pension solution you implement is compliant, tax-aware, and tailored to your goals.

Who Should Book a Pension Review?

This service is suited to:

• Expatriates with multiple pension schemes from past employment

• Individuals planning retirement in a different country than where their pension is based

• Those seeking better understanding of pension access, taxation, or succession

• Anyone unsure how pension income fits into their wider financial strategy

Frequently Asked Questions

Can I transfer my pension internationally?

Transferability depends on the type of pension and your country of residence. We assess your situation and explain your options.

Will I pay tax on my pension as an expat?

Taxation depends on residency, double tax treaties, and product type. We clarify your position in plain terms.

What happens to my pension if I pass away abroad?

We help you structure beneficiary arrangements to align with your wishes and local laws.

Speak With Us

Your pension deserves more than guesswork. With over 25 years of experience advising expatriates, we offer the technical insight and cross-border awareness needed to optimise your retirement.

→ Book your pension consultation today and take control of your future — wherever you retire.