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Technical Guides • UK State Pension Guide
Understand Your UK State Pension — No Matter Where You Live
The UK State Pension might feel like a complicated puzzle, especially if you've lived or worked abroad. But it's also one of the most reliable income sources available in retirement—so it's worth understanding how it works, what you’re entitled to, and how to make the most of it.
Whether you're a British expat, dual national, or just someone with UK pension rights living overseas, this guide breaks it down clearly and simply.
If you’ve got ties to the UK and you’re planning for retirement from overseas, this guide is essential reading.
Yes.
You can still claim any State Pension you are eligible for if you have moved abroad. Furthermore, if you move overseas after you have started to receive your State Pension, and payments go directly into your bank or building society, the payments can continue. But you should let the pension service know when you are going to leave the UK.
Yes.
You can fill in gaps in your National Insurance record by making voluntary contributions. Voluntary contributions allow you to pay for any gaps in your National Insurance record and boost your entitlement to the UK State Pension.
Hoxton Capital offers you a FREE independent retirement planning consultation so that you can understand the relevance and value of the UK State Pension in relation to your retirement plans.
Our team of UK-qualified chartered financial planners will unpick the complexity of all the calculations around this, run a cost-benefit analysis of any voluntary contributions, and help you to understand your tax position.
In addition to the UK State Pension analysis, they will also provide a full review of your retirement planning situation, factoring in all other assets in your portfolio that may contribute to your income in retirement. This will enable you to clearly understand where you stand compared to your retirement goals and expectations.
Hoxton Capital offers you a FREE independent retirement planning consultation so that you can understand the relevance and value of the UK State Pension in relation to your retirement plans.
Our team of UK-qualified chartered financial planners will unpick the complexity of all the calculations around this, run a cost-benefit analysis of any voluntary contributions, and help you to understand your tax position.
In addition to the UK State Pension analysis, they will also provide a full review of your retirement planning situation, factoring in all other assets in your portfolio that may contribute to your income in retirement. This will enable you to clearly understand where you stand compared to your retirement goals and expectations.
Get your free copy of the UK State Pension Guide and take the first step towards building a smarter, more complete retirement strategy.
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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.