Retirement Planning

Retirement Planning for Expats

No matter where in the world you plan to retire, the goal is the same: to be financially prepared for life after work. Retirement planning is the process that makes this possible, putting the right steps in place so you can enjoy the lifestyle you want when your regular income stops.

At its heart, retirement planning is about achieving financial freedom. That means creating reliable, sustainable sources of income to support you for the rest of your life. Think of it as a roadmap from where you are now to where you want to be. Your journey will be unique, so there’s no one-size-fits-all solution. Careful, personalised planning is key.

It’s never too early, or too late, to start. Beginning sooner gives you more options and greater flexibility, but even starting later in life can have a meaningful impact. With life expectancy increasing, many people now spend decades in retirement, making a secure plan more important than ever, especially for those working abroad without access to a company pension scheme.

Currently, most pensions can be accessed from the age of 55, and the UK State Pension from the age of 66 (with plans to increase this age). You might choose to draw a regular income, take a lump sum, or combine both approaches, each with its own benefits and risks, making professional advice essential.

Unfortunately, research from the Money and Pensions Service shows that 35% of people either leave retirement planning until their final two working years or don’t plan at all. With the cost of living at record highs, delaying can be a costly mistake.

Navigating the many pension products, investment tools, and savings strategies can feel overwhelming. As a specialist in the expat market, I understand the unique challenges you face. My bespoke retirement strategies are designed to give you clarity, confidence, and a secure income for life—so you can focus on enjoying the future you’ve worked hard for.