Retirement Planning
Retirement provision for globally mobile clients whose pensions, employers and tax residency span several countries.
Retirement is harder to plan when contributions were made in three countries, the state pensions accrue under different rules, and the tax residency at the point of drawdown is not yet decided. ASJ Group maps every entitlement — occupational schemes, personal pensions, state entitlements, company shares and investment assets — into one projected income picture.
The modelling runs in the currency you will actually spend in, and stress-tests the things that break retirement plans for internationally mobile clients: exchange-rate movement, a change of tax residency mid-drawdown, healthcare costs outside a home system, and living longer than the plan assumed.
Where transfers, consolidation or wrapper changes are recommended, the reasoning is written down first and implemented only through appropriately regulated advisers in the relevant jurisdiction.
Scope of engagement
- Multi-country pension mapping
- Drawdown and income modelling
- Longevity and FX stress tests
Typical clients
- Expatriates with pension entitlements in more than one country
- Clients approaching retirement who have not yet fixed their country of residence
- Business owners whose retirement depends on a future company sale
- Returning nationals repatriating pensions and investments
A named director on the file, from first call to handover.
Every scheme, policy and state entitlement traced, valued and documented, including transfer values and guarantees.
Projected retirement income modelled in spending currency under several residency and market scenarios.
Shortfall quantified; contribution, consolidation and transfer options compared with tax treatment.
Agreed actions placed via regulated advisers and reviewed annually against the projection.
What you receive.
Every engagement closes with a director-signed handover pack — retained on file for thirty years.
- Full pension and entitlement audit
- Multi-currency retirement income projection
- Longevity, FX and market stress tests
- Written options report with tax treatment by residency
- Annual review against plan
Jurisdictions in active use for this service.
Questions we hear on every intake call.
- When should I start planning?
- Ten years out is ideal because contribution and structure decisions still change the outcome materially. Within five years, planning shifts to drawdown sequencing and tax residency at the point of income.
- Does my country of retirement matter?
- Substantially. It determines how pension income is taxed, whether lump sums are recognised, which treaty applies and what healthcare you must fund privately.
- Can I keep contributing to a UK pension from abroad?
- Usually only at a limited level and for a limited number of years after leaving. The exact position depends on your relevant UK earnings and when you left, and is set out in the report.
- Do you advise on the pension itself?
- We produce the analysis and coordinate implementation with a regulated adviser in the relevant jurisdiction, who provides the formal regulated advice.
Start with a twenty-minute call. Leave with a written scope.
Every engagement begins with a director — not a junior, not a chatbot. Fixed fees, quoted in writing, before any work begins.
More on wealth & related work
Personalised Wealth Strategies
One coordinated plan across every country you hold assets in — objectives first, products last, reviewed as your life changes.
Asset & Portfolio Management
Discretionary and advisory portfolios via independent managers — multi-currency, with total cost of ownership and any intermediary remuneration disclosed.
UK Pension Transfers (SIPP / ROPS)
An options review for non-UK residents: leave it in the UK, move to a SIPP, or transfer to a ROPS — with the trade-offs written down.
Every engagement begins with a twenty-minute director-led call. Fixed fees, in writing, before any work begins.