UK Pensions Service
UK Pensions,
Handled With Care.
For New Zealand residents with UK pension entitlements, the decisions are complex and the stakes are high. We provide specialist QROPS advice, cross-border tax planning, and long-term retirement management — so you don't leave money behind.
The Service
UK Pension Transfer
Advice, Done Right.
If you've worked in the UK, you may have accumulated pension entitlements that require careful management now that you live in New Zealand. Our UK Pensions service is designed for migrants, expats, and returning Kiwis who hold UK-registered pensions and want specialist advice on what to do with them.
Transferring a UK pension to New Zealand is one of the most consequential financial decisions you'll make. The interaction of UK and New Zealand tax rules, currency considerations, and investment choices means a poorly structured transfer can erode years of savings. We provide specialist QROPS advice and cross-border tax planning to ensure the decision — and the execution — are right for you.
And we don't stop at the transfer. We manage your transferred pension as part of a long-term retirement strategy — integrating it with your broader investments, income needs, and estate planning, so your UK pension works as hard as it can for the retirement you want in New Zealand.
The Challenges
The Questions We
Help You Answer.
Complex Transfer Decisions
Whether to transfer a UK pension to New Zealand is one of the most consequential financial decisions a migrant will make — and the stakes are high. The wrong choice can trigger unnecessary tax charges or lock you into an inferior long-term outcome.
Cross-Border Tax Planning
UK and New Zealand tax rules interact in complex ways. Without specialist advice, transfers can create unexpected tax liabilities — both at the time of transfer and on an ongoing basis.
Currency & Investment Risk
A pension transfer moves money across currencies and into a new investment environment. How and when you transfer, and how the funds are invested afterwards, all materially affect your retirement outcome.
Leaving Money Behind
Many UK pension holders in New Zealand simply leave their pension where it is — missing opportunities for better tax treatment, greater flexibility, and more suitable investment options.
Our Approach
How It Works.
QROPS Specialist Advice
We provide specialist advice on QROPS transfers — helping you determine whether transferring is the right decision at all, and if so, executing it correctly to avoid unnecessary charges and tax leakage.
Cross-Border Tax Planning
We navigate the interaction between UK and New Zealand tax rules, structuring the transfer and subsequent investments to minimise tax drag — both at transfer and over the life of your retirement.
Long-Term Retirement Management
A transfer is not the end of the story. We manage your transferred pension within a broader retirement strategy — integrating it with your other investments, income needs, and estate planning objectives.
Institutional-Grade Custody
Transferred funds are held by BNP Paribas — a Tier 1 global custodian with over USD $14 trillion in assets under custody — in your name, entirely separate from Bespoke Wealth's own assets.
Independence
Why Independence
Matters for UK Pensions.
Many UK pension transfer services are tied to specific QROPS providers or platforms. That creates an inherent incentive to recommend a transfer — whether or not it's actually the right decision for you.
Bespoke Wealth has no product alignment, no proprietary QROPS scheme, and no platform to push. We earn our fees through advice, not product sales — which means we will tell you honestly whether a transfer is in your best interest. If it isn't, we'll say so. If it is, we'll execute it with the care and expertise the decision deserves.
Our Promise
- →No proprietary QROPS scheme to sell
- →Honest assessment of whether a transfer is right for you
- →No trail commissions or product-linked remuneration
- →Fees earned through advice, not product sales
Plain English
What is QROPS?
QROPS stands for Qualifying Recognised Overseas Pension Scheme. It's an overseas pension scheme that meets HM Revenue & Customs (HMRC) requirements, allowing it to receive transfers from UK-registered pensions without triggering unauthorised payment charges. When you move to New Zealand, you can transfer your UK pension into a QROPS based here — bringing your retirement savings under New Zealand rules, currency, and investment management. The transfer involves careful consideration of UK and NZ tax implications, exchange rates, and the suitability of giving up any UK pension benefits. Once transferred, the funds are invested according to your New Zealand retirement strategy, with greater flexibility over how and when you access them. Because the rules are complex and the consequences significant, specialist advice is essential before, during, and after a transfer.
Questions & Answers
Frequently Asked Questions
Everything you need to know about working with Bespoke Wealth
Don't Leave Your
UK Pension Behind.
Contact our team for a confidential assessment of your UK pension — and find out whether a transfer is the right decision for you.
Get in Touch