Planning for retirement is one of the most important financial decisions you’ll ever make — especially when living or working abroad. At Leaton Wealth, we help UK and US expatriates understand, optimize, and consolidate their pension arrangements across borders, ensuring your retirement income is tax-efficient, secure, and aligned with your long-term goals.
Whether you hold a UK pension — such as a SIPP (Self-Invested Personal Pension), private pension, or company scheme — or a US plan like a 401(k), Traditional IRA, or Roth IRA, our advisors specialize in creating tailored strategies that bridge both systems. We focus on minimizing tax leakage, managing currency exposure, and integrating your pension within a broader global investment and retirement plan.
From pension transfers and cross-border consolidation to retirement income planning and lifetime allowance guidance, Leaton Wealth offers independent, expert advice designed for internationally minded professionals. Our mission is simple: to help you turn your savings into a flexible, sustainable retirement income — wherever life takes you.
Flexible pension planning with full investment control and tax efficiency.
Tailored pension solutions to grow and protect your personal retirement fund.
Employer-backed pension schemes designed to secure long-term retirement income.
Efficient UK pension transfers abroad with flexibility and tax advantages.
Tax-advantaged retirement savings with employer contribution opportunities.
Personalised, tax-efficient retirement investing to build long-term wealth.
Grow retirement funds tax-free with flexible, after-tax contributions.
A QNUPS (Qualifying Non-UK Pension Scheme) is a specialist retirement structure recognised under UK legislation but established outside the UK. While it does not follow the same tax-relief rules as standard UK pensions, its value lies elsewhere: flexibility, broader investment options, and potential long-term tax efficiency.
For the right individual, a QNUPS can provide access to a far wider range of investments than conventional pensions—often appealing to those seeking greater control or wishing to diversify beyond traditional asset classes. Depending on the jurisdiction and structure, a QNUPS may also offer favourable treatment around growth, succession, and asset protection, making it a consideration for internationally mobile or high-net-worth individuals.
Importantly, QNUPS are not a one-size-fits-all solution. Their effectiveness depends on personal circumstances, residency, objectives, and the type of assets someone wishes to hold. Because the rules are detailed and every situation is unique, it’s essential to receive tailored guidance before deciding whether a QNUPS could form part of your retirement planning strategy.
If you’re researching QNUPS or wondering whether this type of structure may benefit your long-term wealth planning, we can help you understand the options, suitability, and potential advantages based on your wider financial goals.
