Living in the U.S. with pensions in the UK creates a mix of tax rules, reporting requirements, and currency questions that most people only discover when something goes wrong. Income may be taxed differently, paid in the wrong currency, or held in structures that no longer suit your goals. And from 2027, unused UK pension funds will face inheritance tax for many U.S. residents too.
This guide helps you understand where you stand, what needs reviewing, and the steps that create clarity instead of confusion.
Whether your UK pension came from a few years abroad or decades of work, it’s still part of your long-term financial foundation. This guide gives you the structure to organise it properly and align it with your U.S. plans.
UK pensions don’t seamlessly fit into U.S. tax rules or retirement systems. This guide shows you what’s changed, what still applies, and what you need to do before drawing benefits or making structural decisions.
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