Hoxton Capital Management is an award-winning, regulated pension transfer firm. Our pension transfer specialists expats invest their pensions into revenue-generating assets and guide them in achieving their financial goals for their families and their futures.
Living and working abroad brings its stresses, therefore making sure your finances are protected now and later down the line is imperative. Our pension transfer specialists make sure that our client’s appetite for risk is matched to the income they want in retirement and offer a transparent approach to dealing with their pension needs.
Our pension transfer specialists make sure to offer our clients a fresh approach with a dynamic energy that sets us apart from our competitors in the offshore marketplace. Making sure our clients pension transfer needs are met, no matter where they are in the world is our main goal. Talk to one of our experts today!
What pension do you want to transfer?
Defined Benefit
A UK Defined Benefit pension scheme will also sometimes be referred to as a Final Salary pension scheme. These are a type of workplace pension that will pay you an income in retirement – the level of which is based on your last salary level at the company and the number of years you worked for that employer. rather than the amount of money you’ve contributed to the pension.
Private sector defined benefit pensions are funded, this means it is possible to request access to an equivalent cash value for your pension and transfer this amount elsewhere.
- DB Pensions
Defined Contribution
In the UK, Defined Contribution pensions, sometimes called Money Purchase schemes, are now the most common type of pension. When you retire, the value of a defined contribution pension will simply be determined by: how much money you and/or your employer have paid into the pension, how the investment of those funds has performed, and how much tax relief you have received.
If you are 55 or over, you can withdraw up to 25% of the value as a tax-free lump sum. The remainder will provide your income.
- DC Pensions
Irish Pensions
For Irish Pensions, a transfer out of the existing scheme and into a more appropriate pension is generally possible if the member is no longer residing in Ireland, or for the purposes of consolidating multiple schemes.
Essentially, any personal Irish pension scheme can be transferred overseas irrespective of whether you have current employment overseas or not.
Transferrable Irish Deferred Pension Plan types include Occupational Pensions (both Defined Benefit and Defined Contribution type).
- Irish Pensions
International Pensions
For International Pensions, we advise and assist clients with many other types of existing pension schemes across a variety of jurisdictions – most notably Australia, Netherlands, South Africa, Switzerland and the United States.
Whatever type of pension asset you hold, we can help identify and understand your options with respect to consolidating these assets and/or transferring them somewhere more suitable for your retirement.
- International Pensions
Why choose us for pension transfers
UK & LOCALLY QUALIFIED
All our Pensions and Retirement Planning specialists are fully qualified to the levels required by the UK FCA. Pension transfer specialists within the global team will also hold regional/jurisdictional specialist qualifications as required to conduct advice in their region.
GLOBALLY REGULATED
In addition to the UK, Hoxton Capital Management has regulated advisory businesses and licenses in multiple jurisdictions worldwide, including Australia, Europe, the Middle East, and the United States.
UK AUTHORISATION
In the UK, Hoxton has a directly authorised status from the FCA. Importantly this gives us the ability to offer our international clients full continuity of service if they decide to return home to the UK one-day and thus minimise disruption to their financial planning when and if that occurs.
VAST INTERNATIONAL EXPERIENCE
Most of our advisory team have spent most of their careers as advisers helping clients that live overseas and, as a product of that, are expatriates themselves. This means that on a very direct basis we understand very closely the specific challenges and nuances that enter the equation when you are trying to plan your retirement internationally.
PENSION TRANSFER SPECIALISTS
An area within Retirement Planning in which we are particularly firmly established as highly renowned specialists is in the field of Pension Transfers. This highly technical area of advice requires specific authorisation from the FCA in the UK and requires individuals with very specific skills, knowledge, and qualifications.
HIGHLY RATED ADVICE
We are proud to be specialists in our field but even prouder that our clients continue to confirm in their feedback that they hold our advice and our personnel in extremely high regard.
Entrusting the management of one’s retirement assets is a significant decision to make, and our clients continue to be universally satisfied.