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Looking to move your UK Defined Benefit Pension to New Zealand?
If you’re living in New Zealand and have a DB pension in the UK, you might be considering transferring your UK Defined Benefit pension to New Zealand for tax reasons.
We are Qualified Pension Transfer Specialists who are authorised and regulated by the FCA to offer you the advice you need if you're considering moving your UK-Based Defined Benefit pension to New Zealand.
Speak to a Pension Transfer Specialist
No commitment, no hard sales, just a quick chat with one of our experts to see if we can help
Helping New Zealand residents get the right UK transfer advice
Defined Benefit Pension Transfers are highly regulated in the UK. Pension Transfers are deemed a high-risk area so you'll need a Qualified Pension Transfer Specialist in the UK. You'll always speak directly to our Pension Transfer Specialist to ensure you get the advice you need at every step.
If you have a financial advisor in New Zealand, they will be able to help you set up the necessary QROPS but you'll still need a UK-based pension transfer specialist.
Specialist pension transfer advice & analysis
If your transfer value is over £30,000 you need financial advice in accordance with the FCA requirements Financial Services Markets Act 2000.
This means you need a qualified pension transfer specialist, with the required FCA permissions, to undertake a complete holistic overview involving:
- full analysis of the pension and benefits you are planning to transfer
- your current & future objectives
- your individual financial situation
- analysis of other pensions, investments & assets
- current & future income requirements
- your risk profile & risk profile for your spouse (if applicable)
- current & future work plans (incl. early retirement, semi-retirement etc).
- investment strategy
- costs involved & potential tax implications
- legacy planning
Our pension transfer specialist is able to provide you with the transfer advice you need.
Flexible office hours for our New Zealand Clients
With an 11-hour time difference, we understand that it can be hard to do business with a UK-based firm if you're living in New Zealand, so we offer early morning and evening call times by arrangement.
We also offer Zoom calls so that you can see our Pension Transfer Specialist and put a face to the name.
Risks and benefits of Pension Transfer
PENSION TRANSFER BENEFITS
Reasons you might transfer...
You wish to take advantage of the tax benefits that are offered in New Zealand
You can make better use of your money outside of a defined benefit pension arrangement
You want to manage your wealth and legacy in a more tax efficient way
To align your retirement planning in the country that you reside in and reduce added risks of currency fluctuations and future changes to pension legislation.
PENSION TRANSFER RISKS
Reasons you should stay...
You are reliant on this pension to provide for you in retirement
You're uncomfortable with investment risk
You could run out of money in retirement
You will lose valuable benefits by transferring
EXPERT ADVICE FOR DEFINED BENEFIT PENSIONS
Meet our Pension Transfer Specialist
We don't believe in generic robo-advice, middle-men or frustrating call centres. We believe you deserve expert tailored advice to help you make the right decision, so you'll always deal directly with Simon Garber, our qualified pension transfer specialist.
Pension Transfer Specialist since 2007
Expert in Defined Benefit Pension Transfer
FCA Regulated, Independent Advice
5* Rated Customer Service
Gold Standard for Pension Transfers
New Zealand Pension Transfer FAQs
Tailored pension transfer advice for overseas clients
Our Independent pension transfer advice is designed to help you meet your goals in the best way for you, whether that’s exploring your options within your scheme or moving your pension to a defined contribution arrangement.
First we start with understanding you and where you want to be.
We’ll discuss your goals, talk about the risks and benefits of pension transfer and carry out a detailed fact-find and analysis to see if transferring is really in your best interests.
REPORT & RECOMMENDATIONS
You'll receive an in-depth report that assesses your suitability to transfer based on your goals, risk assessment and your personal and financial situation.
You'll receive suggestions for alternative courses of action & our expert recommendation.
Download our free expert guide to
Defined Benefit Pension Transfer
Is a transfer really right for you? Uncover everything you need to know before you decided transfer your pension.
"...I feel very confident that my financial affairs are being looked after."
Excellent advice given in a friendly and professional manner. I feel very confident that my financial affairs are being diligently and expertly looked after.
LEO RUSCILLO, Defined benefit transfer
Pension transfer gold standard
The Pension Transfer Gold Standard is a voluntary code of good conduct for pension transfer specialists. Set up by the Pensions Advice Taskforce, it's designed to ensure the highest of standards of advice for consumers seeking pension transfer advice.
We are proud to offer the highest standard of ethics and quality with our pension transfer advice and if you'd like to find out more about the pension transfer gold standard here, where you can download a helpful consumer guide.
Avoiding pension scams for overseas transfers
Unfortunately defined benefit pensions have been increasingly targeted by scammers in recent years.
Protect yourself and your money by following this key advice:
- avoid unsolicited advice - reputable firms will never cold call you.
- Check the FCA register to ensure your advisor is authorised and regulated for Defined Benefit advice
- download the pension transfer gold-standard guide to understand what good advice looks like
- only work with regulated UK-based firms.
- only move your pension to a Recognised Overseas Pension Scheme.
N.B There are a growing number of Oversees firms claiming to offer UK Defined Benefit advice - be aware that they do not hold the required permissions to offer the advice you need. If in doubt, consult the FCA Scamsmart list.