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401(k) & US Retirement Plans
Technical Guides • 401(k) & US Retirement Plans
401(k) & US Retirement Plans
Left the US but still have retirement assets there? Here’s what to do next.
401(k) & US Retirement Plans Guide
Managing a 401(k), IRA, or similar retirement account while living overseas can be challenging. From tax implications and account restrictions to currency risk and estate planning concerns, the obstacles can quickly stack up if you're no longer a US resident.
This guide is designed for international professionals and expats who still hold US retirement assets. It explains your options, how to avoid penalties, and why rolling over your account may offer greater control, flexibility, and tax efficiency.
What’s Inside?
- What the difference is between a 401(k) & pension plans in the US
- What is a 401(k)
- Traditional IRAs - What is it?
- ROTH - What is it?
- What is a 401(k) rollover?
- Pros and cons list of all options
Why Download This Guide?
Because if you’re living overseas and still have a 401(k), you may face tax inefficiencies, access restrictions, or estate planning risks without realising it. This guide provides clarity, options, and next steps to protect and optimise your retirement savings.
Who Is This Guide For?
- US expats living abroad with a 401(k) or IRA
- Non-US citizens with US retirement assets
- Individuals nearing retirement age outside the US
- Professionals seeking advice on US estate tax, drawdown, and rollover
FAQs
Your first initial meeting and fact find with one of our qualified financial advisers is FREE.
In this meeting, your adviser will take a look at your circumstances; where you are in the world, where your assets currently are, and help come up with a plan of financial objectives.
Yes.
We send a letter of authority (LOA) to your pension provider/s. This is an information request and does not permit us to make any changes to your current pension/s.
Then your pension provider will provide us with the details of your current benefits and the terms & conditions of your scheme. They will also provide a transfer value. This states the amount they would pay you to exit the scheme.
Yes.
Hoxton Capital will prepare a comprehensive report for you that details your current schemes benefits and shows a comparison with your alternative options.
If you decide that a transfer is right for you, Hoxton Capital will arrange all the required paperwork to facilitate the transfer and set up the pension you wish to transfer into. Once the transfer is complete, we will then provide advice on how to best manage your assets within the new pension, in line with your preferred strategy, and help you meet your goals.
Yes!
We are registered by the SEC. Read more here and contact us for help with any financial planning.
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Retirement Planning
At Hoxton Wealth, we specialise in creating customised plans that balance growth, security, and sustainability. Whether you're combining pensions, maximising savings, or trying to understand international retirement planning, our expert advisers are here to guide you every step of the way.
