Retirement gets more complicated when your financial life spans two countries
When pensions, income and future spending cross borders, it helps to see the whole picture.
Can I afford to retire?
How much can I safely spend?
What should I do with my UK pensions?
Have I missed anything important?
What you’ll get from the Early Retirement Playbook
A practical 12-page guide to the cross-border decisions that can affect when you retire, the income you can generate and the lifestyle you can sustain.
01 The Early Exit Timeline Calculator
Consider tax residency, currency exposure, local inflation and poor market returns around retirement when assessing your timeline.
02 The UK Pension Playbook for Expats
Key questions around UK pensions, SIPPs, State Pension, cross-border decisions and double taxation.
03 The Retirement Income Architecture Framework
How income sources, withdrawals, currencies and tax treatment affect sustainable retirement income.
04 The Lifestyle Sustainability Model
Plan for changing spending, healthcare, currency movements and later-life costs—not one static retirement figure.
05 The Expat Retirement Optimisation Checklist
Review residency, currency, pensions, tax efficiency, investments, income, longevity and estate planning.
This guide is designed for you if…
You live in Europe and still have UK pensions or investments.
You have approximately £250,000+ in pensions and investments.
You are starting to think seriously about retirement.
You want greater clarity before making major pension or retirement decisions.
What happens next
01
Request the guide
02
Receive it by email and read it in your own time
03
If you decide you want to discuss your own position, you can choose to speak with Andy
Requesting the guide does not commit you to a meeting.