Richard Hayes

Pension Transfer Specialist

Richard is a pension transfer specialist helping British expats evaluate international SIPP transfers and Spanish compliant bonds for tax-efficient retirement planning abroad.

Posts (7)

Your Quick Guide to Retiring in Spain Retirement, Tax & Estate Planning

Your Quick Guide to Retiring in Spain

More than eight million foreign nationals reside in Spain. Pensioners from across the globe relocate to Spain to make the best of their golden years, and it's easy to understand why. Retirees can soak up nearly year-round sunshine, enjoy delicious cuisine, and indulge in the warm sea. Here's a quick guide to retiring in Spain - the benefits, ways to relocate, and more. Why Retire in Spain? Expat-Friendly Environment Cities like Malaga, Alicante, and Valencia are renowned for their welcoming...

2 min read
Choosing Between SIPPs and QROPS for UK Expat Pensions in Spain Retirement, Tax & Estate Planning

Choosing Between SIPPs and QROPS for UK Expat Pensions in Spain

Navigating the complexities of pension schemes as an expat, especially for those residing in Spain with UK pensions, presents unique challenges and opportunities. Two pension structures often encountered are SIPPs (Self Invested Personal Pensions) and QROPS (Qualifying Recognised Overseas Pension Schemes). Both options provide a vessel for transferring your UK pension but cater to different needs and circumstances, particularly under the scrutiny of cross-border tax implications. SIPPs:...

3 min read