SJB Global

Thinking about leaving the UK?

The single biggest factor in how much tax you pay on the way out? The planning you do BEFORE you go.

Dion Angove, and George Symes are hosting an open session on 28 May 17:00 CET, for anyone considering an international move, whether the plan is firm or still taking shape.

What you'll walk away with:

✔️ A clear view of how to legally minimise UK Income Tax, CGT, and IHT
✔️ The 3 mistakes that catch high earners off guard every time
✔️ Why your exit date is one of the most important decisions you'll make
✔️ A framework for structuring your finances before and after the move

Register below:

Welcome! You are invited to join a meeting: The High-Net-Worth Guide to Exiting the UK. After registering, you will receive a confirmation email about joining the meeting. The decisions you make before leaving the UK can have a bigger financial impact than anything you do after. Get it wrong and you could face a six-figure tax bill. Get it right and you legally protect your wealth. This webinar is for high earners, business owners, and professionals planning an intern...

Retiring abroad? Your UK State Pension might not grow with you.

In countries like Australia, Canada, New Zealand and South Africa, the State Pension is frozen. Locked at the rate it was first paid.

No triple lock. No annual uprating. No protection against inflation.

Over a 20-year retirement, the gap between a frozen pension and an uprated one can quietly grow into a serious shortfall, eroding purchasing power year after year. Yet most expats only discover this after they've moved.

If the State Pension is part of your retirement plan, where you live could matter as much as how much you've saved.

George Symes breaks down which countries are affected, why the policy exists, and how to plan around it.

State Pension Freezing for Expats Explained | SJB Global Understand how UK State Pension freezing affects expats abroad and what it means for your long-term retirement income.

Leaving the UK? Your finances don’t just come with you unchanged.

From ISAs losing local tax advantages to pension access becoming more complex, the small details can have a big impact once you’re non-UK resident.

In this piece, Dion Angove, breaks down what actually happens to your ISAs, pensions, and investment portfolio when you move abroad and where people often get caught out.

If you’re planning a move, this is worth a read before you make any decisions.

Read the full article.

GlobalMobility

Leaving the UK: ISA, SIPP & Investment Guide | SJB Global Learn what happens to ISAs, SIPPs and investments when leaving the UK. Understand tax, access and planning considerations for expats.

QROPS aren’t inherently bad. But they’ve been widely misunderstood.

For some, they offer flexibility. For others, they’ve resulted in higher costs and lost guarantees.

The difference comes down to suitability, not marketing.

This article explores where things went wrong and how to approach overseas pension decisions more carefully.

QROPS Risks, Costs & Suitability Guide | SJB Global Understand QROPS risks, costs and suitability. Learn when overseas pension transfers may or may not be appropriate for expats.

SIPP. QROPS. QNUPS.

You’ve probably seen these terms and wondered which one actually makes sense.

Choosing the wrong structure can create unnecessary tax, higher fees, or lock you into something that cannot easily be undone.

There is no universal “best” option. It depends on where you live, where you plan to retire, your tax residency, and your long-term goals.

We chat about what each one is and when it may be suitable.

Read the full piece.

SIPP vs QROPS vs QNUPS Explained for Expats | SJB Global Confused by SIPPs, QROPS, and QNUPS? Learn the key differences and how expats can choose the right pension strategy for overseas retirement.

Feedback like this really means a lot to us.

Looking after clients over the long term is at the heart of what we do, so it is always rewarding to see that care and attention recognised.

A special thank you to Piers Kemp for the patience and dedication mentioned here, and to our client for trusting SJB Global with their plans.

Honest. Informative. Transparent.

Exactly how financial advice should feel. It’s great to see that reflected in our clients’ experiences. Thank you for the trust.

Moving abroad feels like a fresh start. But your finances don’t “reset” when you land.

For U.S. expats, managing money often gets more complex:

- Retirement accounts can be frozen or restricted.

- Local investments may trigger PFIC rules and heavy tax consequences.

- Estate plans may not carry across borders.

- Many advisers won’t work with U.S. citizens due to FATCA and SEC restrictions.

Our latest article breaks down what to watch for, before and after your move.

Managing Your Money Abroad: Financial Advice for U.S. Expats U.S. expat? Learn how to handle 401(k)s, PFICs, estate plans, and IRS rules while living overseas. Get expert financial advice today.

One pension. Global access. FCA oversight.
Here’s why International SIPPs matter for expats.

They’re UK-regulated pensions tailored for non-residents, giving you:
- Flexibility to consolidate pension pots into one account
- Investment choice across global funds, equities, and currencies
- Confidence from FCA oversight and FSCS protection

The key challenge? Tax.

Withdrawals are subject to UK rules and your host country’s system. With the right planning, such as applying for a No Tax (NT) code and timing withdrawals, you can avoid overpaying and make your pension work harder for you.

Choosing the right provider is just as important. Look at fees, investment flexibility, and track record with expats.

George Symes explains the essentials in his latest article.

UK Expats: International SIPPs & Tax Planning Guide | SJB Global Discover how International SIPPs and tax rules impact UK expats. Learn to manage pension withdrawals, apply NT codes, and avoid double taxation.

Have you collected a few pension pots over the years?

One of the most common questions we hear is:
Should I transfer or combine my pensions?

The answer depends on:

- Fees and guarantees tied to your current plans

- Whether you’re an expat with savings in different currencies

- Your age, retirement goals, and the type of pensions you hold

For some, a SIPP (Self-Invested Personal Pension) offers more control. For others, keeping a defined benefit scheme in place makes more sense.

We discuss, what to watch for, what to avoid, and how to approach transfers or consolidation with confidence.

Read the full article.

How to Transfer or Combine Your Pension: What You Need to Know If you’ve gathered a few pension pots from different jobs, chances are you’re wondering how to bring them together, or whether it even makes sense. You’re not alone.