Two-adviser model strongly recommended for expats

Recommended Approach for Expat Pensions

According to David Johnstone, director at MES Pensions, a two-adviser model is strongly recommended for expats. This approach involves UK-based advisers collaborating with international advisers authorized in the client's country of residence.

This two-adviser model helps ensure compliance with local regulations, provides holistic advice covering both UK pension rules and local tax treatment, and mitigates the risks of unauthorised cross-border advice.

By working with local advisers, UK advisers can assist expats in accessing UK pensions and consolidating them into a UK-based Sipp that meets their unique needs. Johnstone believes collaboration is a "safer and more compliant approach".

Author's summary: Two-adviser model recommended for expat pensions.

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FTAdviser FTAdviser — 2025-10-13

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