Returning to the UK?
Expert Advice on Your UK Pensions
Helping British expats plan a smooth return home. We review your UK Defined Benefit (DB) and Defined Contribution (DC) pensions, tax position, and currency exposure so your retirement income works when you're back in the UK.
Plan Ahead for a Confident Return
If you live overseas but intend to return to the UK before or at retirement, aligning your pensions with your future UK tax and residency status is essential. Our FCA-regulated advisers help you understand what you have, what you can do, and what's most suitable for your goals.
Clear UK Pension Review
We assess your DB/DC pensions, benefits and options, and whether consolidation or keeping plans separate is in your best interests.
Cross-Border Tax & Residency
We consider your current non-UK residency and expected return date, working with tax specialists where needed to optimise withdrawals.
Investment & Currency Approach
We review currency exposure and portfolios, and whether a sterling-led strategy is appropriate ahead of your move home.
Cashflow & Retirement Modelling
Robust projections of post-return income using UK tax bands, State Pension forecasts and other income sources.
How Our Advice Process Works
A structured, advice-led process balancing your overseas position with your future UK plans.
Initial Discovery
Brief call to clarify your goals, return timeline and the pensions you hold (DB, DC or personal).
Information Gathering
We request Letter of Authority, ID & address, scheme statements/CETV, and a State Pension forecast.
Specialist Review
Our Pension Transfer Specialists analyse benefits, tax, currency and investment considerations ahead of your return.
Personalised Recommendation
Clear, FCA-regulated advice: keep, consolidate or restructure; investment strategy; and pre-return actions.
Implementation & Ongoing Support
We implement agreed changes and, once you're back in the UK, provide optional ongoing advice and reviews.
Why Choose Purely Pensions
FCA Authorised
Advice delivered by UK-regulated Pension Transfer Specialists (PTS).
Expat Expertise
Experience with clients returning from UAE, Australia, Canada and Europe.
Transparent Fees
Non-contingent, fully explained charges with no hidden commissions.
Based in Yorkshire
Remote meetings worldwide; in-person meetings available on request.
Planning to return to the UK within the next few years?
Now is the right time to review your pensions.