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+61 38 652 1327

AHR Private Wealth is an independent, global, cross border, financial advisory practise, that specialises in Pension Analysis and transfer advice.

+61 38 652 1327

info@ahrprivatewealth.com

2701, Collins Street Melbourne, Australia 3000

Here’s why knowing your pension transfer options is important

If you’re British but are living permanently in Australia, you might not be aware why transferring your pension can be a very smart financial choice.

But if you act quickly, you can take advantage of some marvelous benefits in the current financial market.

Here’s what Brits are discovering — to their delight — inside their customised pension transfer reports:

Cash equivalent transfer values are currently at an all-time high thanks to the current interest environment and low gilt yields.
Meaning you may be eligible to collect a significant lump sum payment (with little to no tax) before you start retirement.

Highest transfer values on record

100% Spousal benefits

If you pass away and your pension is still in the UK, your spouse and child might get left with less than half after taxes and your trustee taking 'their' cut. (Or even worse, nothing at all.)
But if you transfer your pension, you can ensure your loved ones get 100% of what they should.

Earlier access to your pension

Due to UK pension rules, you can only access your pension once you turn 65.
Whereas with a pension transfer, you may be able to access your pension years 5-10 (or even more) years earlier!

Pay less income tax

Tax rates are ridiculous enough as it is. But if you transfer your pension now, you could save yourself from paying the taxman higher rates in the future.

But the only way to know what your true pension transfer options are with a 100% customised (and 100% no-obligation) pension transfer report.

I was pleasantly surprised to find the value of my pension and AHR were extremely effective at helping me transfer it. They were good at explaining things, honest and straight forward.

Joanne O

How do I get my free customised pension transfer report?

Getting your free pension transfer report is easy and doesn’t cost you anything.
Here’s how to do it:

Submit your contact details via the form on this page.
Once you have done so, one of our associates will reach out to you to book your private (and 100% free) consultation with an AHR Private Wealth certified pension transfer advisor.

Submit your details to book an
appointment

During your consultation, your advisor will speak with you, and your spouse or partner, for about 15-20 minutes (via Zoom) to understand more about your current situation with your pension.
If your pension meets certain criteria, then your advisor will walk you through what you need to do next to get your customised pension report.

Attend your free video
consultation

Once your report is ready, your financial advisor will meet you for another (again, completely no-obligation) video consultation.
During this consultation, he or she will present your report to you and explain your options available — including any fees or charges related to the pension transfer.

Receive your fully customised
report

Frequently Asked Questions

IS THERE A CHARGE TO TRANSFER MY PENSION?

There is no charge to explore the options that you have. There may be a charge to transfer due to the specialist nature of this type of business. This can range from 0-5% of the fund value. If this is the case, we will highlight this in your pension report which you will receive prior to any fee being agreed, for free.

WHAT TYPES OF PENSIONS CAN I TRANSFER?

You can transfer in most types of pensions, although there are exceptions. For example, the government doesn’t allow the transfer of a public service pensions. We also cannot accept a transfer if you’re already taking an income from it.

DO I NEED TO CONTACT MY OLD PENSION PROVIDER BEFORE I TRANSFER?

In the majority of cases, no. We can start the investigation process when you sign the letter of authority. This allows us to contact your provider on your behalf to get your Cash Equivalent Transfer Value. We will then report this back to you along with all your options and our recommendation. You don't pay anything for this, it's free, and you're also not committed to anything at this stage.

CAN I TRANSFER A PENSION THAT I'M ALREADY ACCESSING?

No, unfortunately, we’re not able to accept pensions that are already in payment or if you’ve already taken income from.

WHAT DO I NEED TO ENQUIRE ABOUT REVIEWING MY FINAL SALARY PENSION?

Initially, you will need to obtain your scheme booklet, funding statement, a Cash Equivalent Transfer Value (CETV) and complete a fact find. We will send you a letter of authority that you will need to digitally sign. This allows us to contact your pension scheme trustee and to request any additional information we require to complete your assessment. This is a free service that we offer and you're not committed to anything.

WHAT IS A CASH EQUIVALENT TRANSFER VALUE (CETV)?

A Cash Equivalent Transfer Value is the cash value placed on your final salary pension benefits. This is the amount that will be available for you to transfer to a personal pension plan in exchange for moving from your scheme and potentially giving up benefits and rights that you had under the existing pension scheme.

AHR was great help in moving my UK pension to Australia. Was an easy transition with paperwork and great communication throughout.

Pete K

What happens if I don’t want to go ahead with any of the options in my report?

Then, you’re free to walk away with your report in hand! At no point will you be pressured into making any decision that’s not in your best interests.

This is because at AHR Private Wealth we pride ourselves on giving you clear, transparent information.

We don’t own or operate a pension fund of our own and only wish to help British expats — like you — secure the best financial benefits possible.

So you can access the money you’ve rightfully earned on your terms.

At no time did I feel under pressure to take up the service which was a BIG difference to me from other finance meetings I have had

Rebecca T

About AHR Private Wealth

At AHR Private Wealth, our 50+ strong team proudly serves UK expats in Australia, the USA, and across the globe from 5 international offices.

As an independent financial advisory firm, we do not operate a pension fund of our own. We are only here to give you clear and transparent advice about your pension transfer options with your best interests at heart.

Any advice you receive in your complete personalised report will be provided by our fully insured UK FCA regulated, AF7 qualified pension transfer specialists, operating under the Gold Standard Pension Transfer Guidelines.

As Seen In:

Get your customised pension transfer report

Find out what your pension transfer options are so you can make smart financial decisions now

AHR explained everything extremely professionally and we fully understood our position and the benefits of both QROPS and SIPP pension schemes. We signed a letter of permission and within weeks we knew exactly the value of the frozen pension money we had in the UK and rather than the funds being in lots of different pots, we consolidated them all and moved them offshore. We were both so pleased with the advise and service, we will both continue to use and of course recommend AHR Private Wealth.

Bilal H

Why smart British

expats are snapping up these free customised pension transfer reports.

As the saying goes: you don’t know what you don’t know.

And with one-third of UK pension funds collapsing, the future of tens of thousands of British pensions is, quite literally, up in the air.

Meaning there’s never been a better time to check if a pension transfer is right for you.

And at AHR private Wealth, we'd like to offer you a free, no-obligation, 100% customized pension transfer report that lays out all your smart pension transfer options for you.

It Starts With Discovering Your Estimated Cash Equivalent Transfer Value

Your Information is 100% Secure

Within a few weeks, I knew the value of my pensions and all my options moving forward.

Helen B

DISCOVER MY TRANSFER VALUE →

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