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Annuity Advice for Expats
Secure Your Retirement Income with Expert Annuity Planning
Annuities can provide you with a guaranteed income for life, but they require a significant capital commitment and offer limited flexibility once purchased. We help expats evaluate whether an annuity fits their wider retirement plan, navigating complex cross-border tax rules, currency risks, and inflation concerns to ensure your decision supports lifelong financial security.
As Seen In
The Role of Annuities in Retirement Planning
Mitigating Longevity Risk
The greatest risk in retirement is outliving your savings. An appropriately selected annuity transfers this risk to an insurer, ensuring you have a baseline income that continues no matter how long you live.
Income Certainty
Market volatility can devastate a retirement portfolio. We help you assess if locking in a portion of your wealth into a Fixed or Indexed annuity can provide the stability needed to cover essential living costs.
Tax-Efficient Structure
For expats, the tax treatment of annuities is complex. We analyse your residency status to determine if an annuity offers tax-deferred growth or if it creates an unnecessary tax burden.
Strategic Sequencing
Buying an annuity is not an “all or nothing” decision. We advise on timing and whether to purchase immediately or defer, and how to blend annuities with drawdown portfolios to balance security with flexibility.
Who This Service Is For?
01
US Expats: You need to navigate the complexities of IRS taxation on foreign pension structures and want to understand if a US-compliant Variable or Fixed annuity can replicate the security of a defined benefit pension.
02
British Expats: You are considering purchasing an annuity with your UK pension pot, but need to understand the currency risks, inflation protection, and how this impacts your Estate planning compared to staying invested.
03
The Risk-Averse Retiree: You prefer the peace of mind of a guaranteed income over the potential highs and lows of the stock market, and want to know which annuity type (Fixed, Indexed, or Deferred) best suits your risk tolerance.
04
Those Seeking a Hybrid Approach: You want to secure your essential expenses (housing, bills) with guaranteed income while keeping the rest of your portfolio invested for growth and need advice on how to structure this balance.
05
Estate Planners: You are concerned about leaving a legacy and need to understand the trade-offs between the high income of an annuity and the loss of capital preservation for your heirs.
How We Help You Make Annuity Decisions
An annuity is not just a product; it is a rigid financial contract. Our role is to provide the advice, stress-testing, and planning required before you make the commitment.
Suitability Assessment
We do not start with products. We start by asking if an annuity is appropriate at all. We evaluate your health, life expectancy, and capital needs to determine if the loss of liquidity is worth the income guarantee.
Navigating Annuity Types
Fixed, Variable, Indexed, Immediate, or Deferred? We explain the mechanics of each, helping you understand the trade-offs between potential growth, downside protection, and inflation hedging.
Cross-Border Integration
An annuity must work in the country you retire in. We ensure your income stream is structured to manage currency fluctuations and aligns with the tax laws of your residence, particularly for US and UK nationals.
Whole-of-Market Access
If an annuity is the right path, we act as independent brokers. We search the global market to find the most competitive rates and terms, ensuring you get the maximum income for your capital.
Book Your Complimentary Call
In this free 15-minute consultation, you’ll:
- Discuss whether an annuity aligns with your wider financial goals.
- Understand the difference between Immediate, Deferred, and Variable options.
- Clarify the tax implications for your specific nationality and residency.
- Outline a strategy for securing your retirement income.
Financial Resources
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