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Transfer UK Pension to Portugal Service
Specialist Pension Advice for British Expats Living in Portugal
At Titan Wealth International, we offer a dedicated pension transfer service designed specifically for British expats living in – or retiring to – Portugal who want to optimise their UK pension for life abroad.
Transferring a UK pension is a complex decision that must account for your tax residency, long-term plans, and investment strategy. Our role is to simplify that process and provide expert, compliant advice you can trust.
The only international firm with dual accreditation, as a CISI Chartered Status Firm and a CII International Professional Partner Firm.
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Who This Service Is For?
01
You're a British expat living in Portugal who wants to take control of your UK pension.
02
You're planning to move to Portugal within the next 12–24 months and want to prepare your finances in advance.
03
You have one or more UK pensions - defined benefit, contribution, or personal - and want to understand your options.
04
You're looking for greater tax efficiency, investment flexibility, and long-term retirement security as part of your move abroad.
* Please note that we cannot transfer your UK State Pension or most public sector pensions, unless you are a member of the Universities Superannuation Scheme (USS) or a Local Government Pension Scheme (LGPS).
How We Can Help You
Our UK Pension Transfer to Portugal service is tailored to your personal goals, financial situation, and cross-border needs. When you work with us, you’ll benefit from:
Clarity on Your Pension Options
We assess whether transferring your UK pension aligns with your retirement timeline, lifestyle goals, and overall financial strategy.
The Right Structure for You
Whether it’s an International SIPP or keeping your current scheme, we recommend what’s most suitable for your specific situation.
Cross-Border Tax Planning
We explore all relevant tax opportunities under both UK and Portuguese rules, including NHR and the double taxation treaty.
End-to-End Transfer Support
We handle the full process – from contacting trustees to completing documentation – so everything is taken care of for you.
Ongoing Financial Planning
Continue working with us after the transfer for advice on pension drawdown, cash flow, retirement income planning, and wider financial strategy.
Wealth Management & Global Structuring
Access our full suite of services – from multi-jurisdictional asset structuring to estate planning and currency optimisation – to future-proof your finances wherever life takes you.
Benefits of Transferring Your UK Pension to Portugal
A well-structured pension transfer can offer more than convenience – it can enhance your long-term financial security, improve tax efficiency, and align your retirement income with life in Portugal.
Tax Efficiency
When structured appropriately, benefit from Portugal’s favourable tax treatment, including potential exemptions or reduced rates under the Non-Habitual Residency (NHR) regime.
Simplicity
Combine multiple UK pensions into a single, streamlined structure. This simplifies administration, improves visibility, and gives you greater control over your retirement income.
Currency Flexibility
Reduce exposure to exchange rate fluctuations by holding and drawing income in euros, aligned with your cost of living in Portugal.
Tailored Investment Strategy
Access globally diversified investment portfolios aligned to your goals, risk appetite, and time horizon – giving you more control and flexibility in your investments.
Estate Planning Advantages
Structure your pension with more control over how and when your assets are passed to beneficiaries, often outside the UK inheritance tax net.
Book Your Complimentary UK Pension to Portugal Transfer Call
During this 15-minute no-obligation call with a cross-border pension transfer specialist, you’ll:
- Discuss what options might exist based on your specific pension schemes, timeline, and goals.
- Learn how our pension transfer process works - including costs, timeframes, and what’s involved at each stage.
- Understand the factors that will determine whether a transfer is right for you and what next steps to take.
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75k+
Individual Clients Globally
18+
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Employees Globally
25+
Offices Globally
200+
Institutional Clients
Why Titan Wealth?
Dedicated Pension Transfer Advisers
Work with a UK pension transfer specialist who will analyse your existing UK pensions and provide side-by-side comparisons with QROPS, International SIPP, or UK-based options. Your advice is delivered in the context of a wider retirement plan – built around your total asset base and long-term goals.
Holistic Financial Planning
Future-proof your finances with a team that supports you not only in Portugal – but wherever life takes you. We provide fully integrated financial planning, wealth management, and retirement advice for expats worldwide.
Citizenship & Residency by Investment
As part of a wider financial strategy, we advise on Citizenship and Residency by Investment programmes. This includes how to establish tax residency in Portugal and benefit from the Non-Habitual Residency (NHR) regime – potentially reducing your income tax for up to 10 years.
Transparent Fees
We believe in complete transparency. You’ll receive clear, straightforward information on costs from the outset — so you always understand the value of the advice and service you’re receiving.
What Our Clients Say
Daniel has been managing my UK pension and longer-term financial planning needs for over three years now. He is genuinely a consummate professional, always acting with integrity and professionalism... Read Full Quote
Wealth Management crossing multiple borders - William is a expert in is field with balanced advice resulting in agile and efficient execution of well planned strategies. The service received by... Read Full Quote
As someone who is extremely skeptical about financial advisers and whose interests they are really looking out for, I received Andreas's initial approaches to handle my affairs with extreme suspicion... Read Full Quote
A colleague recommended James from Titan Wealth International to me when I was looking to consolidate various pension plans that I had at the time. I have been very impressed with his advice and... Read Full Quote
I have become a client of William’s this year as part of transferring my UK pension. What has impressed me during the last 10 months, is the time investment William puts into building a client... Read Full Quote
How Our UK Pension Transfer to Portugal Service Works
A step-by-step process designed for clarity, compliance, and confidence.
Book a no-obligation call with one of our UK pension transfer business development managers. We’ll explain:
- Whether you qualify for a UK pension transfer.
- The potential tax and financial benefits under Portuguese residency (including NHR).
- Which transfer options – such as a QROPS or International SIPP – may be right for you.
- The pros and cons of transferring based on your goals and timeline.
We contact your UK pension providers directly. With your permission, we’ll reach out to the trustees of your UK pension schemes and gather all the technical and financial details we need — so you don’t have to. We’ll also track down any lost or forgotten pensions you’re struggling to find, ensuring nothing gets left behind.
Once we have your pension information, your dedicated cross-border adviser will work with you to understand:
- Your current financial position (via a secure questionnaire).
- Your long-term plans: where you’ll live, expected lifestyle costs, and when you want to retire.
- What does financial independence mean to you, and how does your pension fit that vision?
You will receive a detailed, FCA-compliant personalised pension transfer assessment report with:
- A full financial snapshot, including projected future income.
- Clear side-by-side comparisons: staying with your UK pension vs transferring it.
- A professional recommendation: whether a transfer makes sense — and which structure suits you best.
If we recommend a transfer and you choose to proceed, we’ll manage the entire process on your behalf – including paperwork, provider coordination, and investment setup. If a transfer isn’t right for you, or you decide not to proceed, you walk away without charges.