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G et A FREE pension review from one of our U K qualied Financial


Advisers and understand how theU K Pension reform a ects you.
Choosing the rightpension solution can give increased retirem entincom e and
pension benets.

The benets of a pension transfer can include:


A higher tax free lum p sum of30% (versus 25% in the U K)
A pension that is free from allU K Taxes
Your entire rem aining pension fund is passed to your
beneciaries tax free
G row th above the U K lifetim e allow ance w illnot be subject to
the lifetim e allow ance excess tax charge
Earlier access to your pension at 55

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"Your Review G ets You Access To Aw ard W inning Pensions & Savings Advice,according to research released by
O M W ealth the average incom e in retirem entis 53% higher for those w ho take regular nancialadvice"

The U K Chancellorhas announced the m ostradicalshake up ofthe U K pensions industry in decades.There w ill
be w inners and losers.U nfunded U K Civilservice pensions are the rstto be hit.From 6th April2015,you w ill
not be able to transfer those pensions outside ofU K,under any circum stances.
W ho know s w hatw illhappen in the future as governm entlooks for m ore w ays to keep your pension under
their control.
W e've produced Expat Pension Review to ensureyou stay on the w inning side regardless of
futurechanges toU K's pension system .

Your review is FREE,independentand guaranteed noobligation w hatsoever

*W ith over 3600 review s successfully com pleted ExpatPensionReview is the m ostpopular
independentand unbiased expatriate pension review .

Leaving your pension stuck in the U K system either voluntarily or


m ore likely because oflegislation changes could w ellleave your
pension incom e in an extrem ely vulnerable position.
You m ay notbe able to change the currency your pension incom e
is paid in.IfU K decides that itneeds to boostexports by reducing
the value ofsterling your pension incom e could fallsuddenly w ith
no w ay to stop it.
Tax rules could change.M oney that you'd planned to hand over
to loved ones m ay now be headed straightto the tax m an.

Itdoesn'tm atter w hich party com es into pow er,as the U K


struggles to repay its debt,allpensions are beginningto look ever
m ore attractive.
They've started w ith civilpensions.Ifthatproves protable w hat
w illstop them w anting m ore?
Your pension review show s you exactlyhow to ensure your
pensionis com pletelyprotected from any future legislation
changes,giving you realsecurity and peace ofm ind in your
retirem ent.

W e've created ExpatPension Review to give you the bestw ay to know how to protectyourselffrom com ing
pension reform s,to understand how to achieve a m uch higher pension incom e,to protectyourselffrom higher
taxationand to enjoy a m uch higher degree ofnancialcontroland exibility than you ever could iflocked into
U K's lim ited pension options.

Thank you.O ur review gave us the condence w e needed to m ake a m uch


better choice for our pension in France.
H eather M orris,Retired -France

Your review is FREE,independentand guaranteed noobligation w hatsoever

*W ith over 3600 review s successfully com pleted ExpatPensionReview is the m ostpopular
independentand unbiased expatriate pension review .

The Expat Savings Team ,the only independent nancial


research group w hose goalis to get expats a better deal,has
created Expat Pension Review .
You'llbe able to benet from long standingexpertresearch into
the com ing pension reform .You'llunderstand the realpros and
cons ofU K pension transfer.Finally you'llhave a detailed
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Your review show s you exactlyw hatyou need to do to


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I'd read so m uch contradictory inform ation aboutQ RO PS and UK pension


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review thatm ade a greatdealofsense.

Tim Clark,Dubai

The pensions m arketcontinues to adaptrapidly,oering farm ore options and choices.As a potentialU K
pension transferee,in order to m ake the m ostofthese changesits absolutely essentialthat you understand
w hich options bestm eetyourpersonalretirem entneeds.
Yourreview is designed to m ake iteasier for you to understand w hatchoices are available and m ost
im portantly,w hich options oer you the best levels ofpension incom e.

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independentand unbiased expatriate pension review .

Your personalised pension review is not


only designed to show you how to gain
m axim um incom e advantage from retiring
abroad,it also provides you w ith a very
sim ple w ay to com pare the leading
pension providers.
You have the know ledge and facts you
need to m ake the rightpension choices.

You can leave ALL unused pension funds to your beneciaries free ofU K IH T.
You can take a larger tax-free lum p sum ofup to 30% .
You'llbe able to access your funds earlier.
The schem e enables you to take incom e from your pension in a m uch m ore tax e cientw ay.
You can w ithdraw your pension incom e and other benets in the currency ofyour choice w ith
no FX costs.
You'llenjoy m uch greater investm ent freedom .
O nce you've transferred your U K pension itw illbe free from future U K legislation changes.

The expatpension m arketis com petitive and thatw orks in your favour.The leading expatpensions providers
oera range ofadditionalbenets designed to m ake their individualsolutions m ore attractive and a better t
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Your personalised review helps you to identify the schem es,w hich best m eet your needs and deliver the
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H ow m uch better o could you be?


Expats w ho've already beneted from having a pension review
have been able to increase the incom e they receive from their

pension by up to 45.4% .
O fcourse that's notalw ays possible,buthow m uch dierence to
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* 74.6% ofexpats w ho receive a pension review are able to
nd a higher pension incom e than theyhad w ith previous
research.

There's a lot ofinform ation in each pension review .W e strive to


m ake everything as sim ple to understand as possible.H ow ever,
w e know thatgetting the rightpension is critical.That's w hy w e're
here to answ er allofyour questions.
After you've received your pensionreview ,you'llbe able to speak
to us at any tim e w ith questions thatyou m ay have.

O ur valuable free pension review servicehas already helped thousandsofexpatriates nd a better pension
solution abroad.W hy don'tyou join them andnd outhow m uch better o you could be?

Ithoroughly recom m end

Iw as researching Q RO PS on

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M ake sure you understand how to getthe m ost


from your pension abroad
Each personalised review is produced by an expertin
internationalpensions.W e putquality before
quantity.U nfortunately thislim itsthe num ber offree
review s thatw e canoer.
D on't m iss out!G et your free review today

*W ith over 3600 review s successfully com pleted ExpatPensionReview is the m ostpopular
independentand unbiased expatriate pension review .

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