Our advice will cover occupational pensions from previous employment, personal pensions, SIPP's (Self Invested Personal Pensions) and QROPS (Qualifying Retirement Overseas Pension Schemes)

In particular with a QROPS:

Income will be paid gross.

There is no compulsion to purchase an annuity ever.

After 5 years non-UK residency there is no 35% tax charge on the death of the member post retirement nor the 82% tax charge on the pension fund should death occur post age 75.

Where a member of a QROPS scheme dies the assets can either be paid to their estate or to nominated beneficiaries. This ensures the longevity of the accumulated pension assets after death at any age.

If you hold a number of pension pots now might be a good time to consolidate them into one QROPS scheme.