If you have built up pension savings in the United Kingdom and are now living in New Zealand, you are considered a UK pension holder. This often includes individuals with former workplace pensions, personal pensions, or defined benefit schemes accumulated during time spent working in the UK.
Managing a UK-based pension from New Zealand can be complex. You may need to consider whether to leave your pension in the UK or transfer it, how to navigate differing tax regimes, and how currency movements between GBP and NZD could impact your retirement savings.
We provide specialist advice tailored to UK pension holders, helping you understand your options, remain compliant with both UK and New Zealand regulations, and structure your retirement savings in a way that supports your long-term financial goals and lifestyle in New Zealand.
Supporting long-term planning across borders and life stages
Emma had built up several UK pension schemes before moving to New Zealand. While she understood their approximate value, she wasn’t sure how they fitted into her overall financial picture—or what her options were now that her life and future were based in New Zealand.
In particular, Emma wanted to understand whether transferring her UK pensions to New Zealand would make sense, and how any decision she made today might affect her flexibility, access to income, and retirement planning in the future.
We worked with Emma to bring her UK pensions into the wider context of her life in New Zealand. Our advice focused on clarity first, followed by strategic decision-making. This included:
- Reviewing her UK pension arrangements and their role within her overall wealth
- Discussing how UK pensions interact with her New Zealand tax and investment position
- Assessing the suitability of transferring eligible UK pensions to New Zealand, alongside the option of retaining them in the UK
- Exploring long-term access, retirement timing, and income planning considerations
- Integrating her overseas pensions into a single, cohesive financial plan
With a clear plan in place, Emma now understands how her UK pensions support her future lifestyle and how they align with her New Zealand investments. She feels confident that her decisions are deliberate, well-considered, and aligned with her long-term goals.
Find out about our process that determines your goals and tailors a plan specifically for you now and in the future.
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