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Streets of London


The retirement options available to you under your existing UK pension(s) will depend upon the type of UK pension you currently have (for example, whether it is a defined benefit or defined contribution pension) and what retirement options the scheme offers you. As UK pensions’ legislation has changed over time, the retirement options available can vary widely with some offering flexibilities and others being quite restrictive. For this reason, it is important to understand your retirement options before starting to draw your UK pension.


Through a fully regulated process and with the help of qualified advisers and specialists, we help clients with pension assets in the UK to locate, review and take full control of their assets as transfer values continue to rise and many schemes in the UK run into funding difficulties and deficits.


With the rising UK pension deficit, low interest rates and the impact of Brexit, people are becoming more concerned with the safety of their benefits.

By maximising your international employment status and consolidating your UK pensions into one investment vehicle, we can help you to create a plan which allows you to draw income to strive to suit your needs, remove the risk of the scheme collapsing and pass more on to your loved ones.

The total deficit for the UK's 350 largest listed companies in April 2020 was estimated to be £72 billion.

For any DB pension with a value over £30,000, you are required by to seek advice from a qualified finance professional before proceeding with your UK pension transfer.

​When it comes to your pension and how to transfer your pension fund, you cannot err heavily enough on the side of caution, and you should always seek professional expat pension advice from reputable pension advisory services.

UK Pension Review Service


We offer a completely complementary tracing and review service for anyone who has worked in the UK. Our UK Pension Review process will help you identify and understand your existing arrangements and the options available to you based on your needs and objectives.

As part of the complimentary, no-obligation service, we collect the required information on your pension and get an understanding of your retirement objectives. After this assessment we will talk to you about your options. The review service is free of charge.


In the review you will receive a simple breakdown of the following:

  • Full valuation of all schemes, occupational or private

  • Legal entitlements (significantly enhanced as now a non-UK tax paying resident)

  • Debt level/solvency of scheme

  • Current/past fund performance

  • Current death benefits (how much is passed onto whom upon death)

  • Guaranteed Minimum Pension (GMP)

If you and your adviser determine that a transfer is appropriate, we will make all the arrangements necessary for the transfer. Our fees are paid within the transfer arrangement so there is no need for you to send us any payment. Our fees are competitive and are presented to you in full before any actions are taken to transfer your pension.

To find out more about how we can help you, simply leave your details and one of our pension advisers will arrange a convenient time to talk.

Why Choose Renascence & Partners?

The wider Renascence team specialise in providing UK pension advice and ongoing portfolio management to clients in more than 13 countries around the world.


Our UK pension specialists are always on hand to navigate legislation and processes so you can strive for the best out of a pension transfer. Our investment professionals, through a distinctive investment approach, help formulate strategies to make sure that your assets are invested in the right way, suitable to your specific goals and objectives.

All of our advisors have global experience dealing with and managing UK pension assets and some are US licensed Advisory Representatives, meaning we believe they are well placed to advise in all areas of personal financial planning, including UK pensions.

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