Welcome to Hoxton Wealth, the new home of Hoxton Capital

Home
Sign In
webinar

UK Pensions for Non-UK Residents

Webinars • UK Pensions for Non-UK Residents

  • Pensions

If you live outside the UK and have a UK pension, there’s something most people don’t realise: The rules change. 

Not just slightly - materially. 

What used to be tax-efficient in the UK can be treated very differently once you’re overseas. And in some cases, that can mean: 

    • Higher tax than expected 
    • Reduced income in retirement 
    • Or decisions made too late to undo 

What This Session Is About

  • What actually changes when you leave the UK 
  • How different countries treat UK pensions 
  • The reality of cross-border tax 
  • Common mistakes we see expats make 
  • And the key decisions to think about before accessing your pension 

This is designed specifically for British expats,  whether you’ve been overseas for years or recently moved. 

No jargon. No product push. Just clarity on how your pension works once you’re no longer in the UK. 

If you have a UK pension and live abroad, this is worth your time. 

Our Speakers

Michael Sappal

Wealth Planner

Michael is a Chartered Financial Planner based in Dubai, with more than ten years’ experience in financial services. He began his career in the UK, working across retirement planning, investment strategy and pension transfers. Since moving to Dubai, his work has focused on cross-border financial planning for internationally mobile clients. 

Michael holds Chartered Financial Planner status and the CII Level 6 Advanced Diploma in Financial Planning. He maintains his professional development to meet regulatory and professional standards. 

His approach centres on providing clear, practical advice on cross-border financial matters, with careful attention to regulatory requirements. He advises on areas such as pension consolidation, retirement planning and the structuring of international finances, tailoring recommendations to individual circumstances. 

 Licensed, Registered, or Regulated In  

  • Middle East, by the CMA and DFSA 
  • UK, in the process of registering with FCA 
  • Europe, in the process of registering with Cysec 

Areas of Expertise 

  • Pension Transfers 
  • Retirement and pension planning 
  • Investment portfolio structuring 
  • Cross-border financial planning 
  • Family & lifestyle protection 
  • Long-term savings and wealth accumulation 

Qualifications 

  • CII Level 6 Advanced Diploma in Financial Planning 
  • CII Level 4 Diploma in Regulated Financial Planning 
  • CII Level 4 Certificate in Discretionary Investment Management 
  • CII Level 4 Certificate in Securities Advice and Dealing 
  • LIBF Level 3 Certificate in Mortgage Advice and Practice (CeMAP) 
  • PFS Associate Member of the Chartered Insurance Institute 

What To Do Next

If this session prompted reflection

For many people, the most valuable outcome of a strategic reset is clarity - understanding where you stand, and whether your current approach still fits your life today.

If you’d like to explore this further, you can book a complimentary strategic review with a member of our team.

This is a no-obligation conversation designed to:

  • Sense-check alignment
  • Identify gaps or drift
  • Discuss whether changes are needed - or not