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UK Pension & Retirement Planning for U.S. Residents

Your UK pension isn’t lost. It’s part of your future and it deserves attention.

If you worked in the UK at any point in your life, you likely left behind a pension. And now that you live in the U.S., it may feel disconnected, hard to track, confusing to understand, or simply forgotten.

At Skybound Wealth USA, we help U.S.-based individuals gain clarity on their UK pensions, how much they’re worth, how they’re invested, how to access them, and how they fit into your retirement picture in the U.S.

Why Your UK Pension Still Matters

Your UK pension may be one of the most valuable assets you own, yet many people:

  • Don’t know how much it’s worth
  • Don’t know how it’s invested
  • Don’t know how or when they can access it
  • Don’t realize the tax consequences when they do
  • Don’t understand what happens to it when they die

We help you bring all of that into focus, so your pension becomes a powerful part of your retirement strategy, not an afterthought.

What We Help You Understand

  • How to locate and assess the value of your UK pension
  • What type of pension you have (company scheme, personal plan, etc.)
  • How the funds are currently invested and whether that suits your goals
  • When and how you can access the money in retirement
  • The potential tax implications of withdrawing funds while living in the U.S.
  • What happens to the pension if you pass away before taking benefits
  • How your UK pension works alongside your U.S. retirement accounts
  • Whether it makes sense to bring multiple UK pensions together into one plan

Who We Help

  • Individuals who worked in the UK and now live in the U.S.
  • British expats, dual citizens, or long-term residents with UK pensions
  • Anyone unsure whether their pension is “active” or just sitting idle
  • People who previously received advice and want a second opinion
  • Clients nearing retirement who want to know their income options
  • Families planning across borders and generations

What You Can Expect

  • Clear, jargon-free advice about your pension and what to do next
  • A breakdown of how your pension works and what your choices are
  • Guidance on aligning your UK pension with your U.S. investments and goals
  • Coordination with your CPA to help plan for U.S. tax on future withdrawals
  • Strategic planning around timing, currency, and potential consolidation
  • Ongoing investment advice and management, when appropriate

Who Are Skybound Wealth USA?

Skybound Wealth USA is a federally registered investment adviser (RIA) with the U.S. Securities and Exchange Commission (SEC), based in Houston, Texas.We are part of the Skybound Wealth Group, with regulated offices in the UK, EU, Switzerland, and UAE meaning we understand the UK pension system from both sides of the Atlantic.

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Why Clients Trust Skybound

  • We speak your language, literally and financially.

    We understand both the UK pension system and the U.S. retirement environment.

  • We help you see the bigger picture.

    Your UK pension isn’t separate from your financial life , it’s part of it. We help you make sure it’s working in sync with your U.S. plans.

  • We don’t push one outcome.

    Our job isn’t to sell a solution. It’s to help you understand what you have, what it means, and what’s best for your future.

  • We offer ongoing support, not one-time transactions.

    Whether you keep your pension where it is or bring multiple plans together, we’ll be here to support you long term.

Frequently Asked Questions

I took advice before, can you give me a second opinion?

Absolutely. We regularly provide reviews for clients who’ve already made decisions or are unsure whether past advice was the best fit.

Can I consolidate my UK pensions?

In many cases, yes, especially if you’ve had multiple jobs and left behind multiple pension pots. We’ll help you explore whether consolidation is suitable and beneficial.

What are my options for accessing the pension in retirement?

This depends on the type of scheme you have. We’ll explain when you can take benefits, how much flexibility you have, and the tax impact of withdrawals while living in the U.S.

How do I know if my pension is invested appropriately?

We’ll assess how your pension is currently invested and whether it matches your age, goals, and retirement plans, then offer suggestions if needed.

I don’t know where my UK pension is, can you help?

Yes. We can assist in tracing your UK pensions, reviewing your scheme documents, and confirming how much you’ve built up.

Let’s Make Your UK Pension Part of the Plan

It’s not lost. It’s not irrelevant.

Your UK pension is a real part of your financial future — and we’ll help you understand how to make the most of it.

Talk To An Adviser

Talk To An Adviser

You can reach us directly by calling us between the hours of 8:30am and 5pm at each of our respective offices and we will immediately assist you.

Request A Call Back

Reason
Select option
Call Back Time
Select option
What State Do You Live In
Select option