On arrival
Establish the starting point
List each pension, its country, provider and latest available statement. Note any decisions that already have a deadline.
Pension advice across borders
Cross-Border and International Pension Planning
Pensions built in different countries rarely fit together unless someone deliberately joins them up. We start with the full picture, then set out what can be coordinated in Ireland and where specialist tax advice is needed.
Clear information first. Decisions can follow.
Returning Irish citizens
Returning to Ireland with pensions held abroad
A move home can bring several pension records back into view at once. We collect the details before discussing transfers, access or timing.
Begin with the paperwork.
Overseas scheme statements
Recent statements help identify the provider, scheme type, current value and the contact route for each arrangement.
Personal pension arrangements
Include personal plans alongside workplace schemes, even if contributions stopped when you left the country.
Frozen or deferred entitlements
Keep records for benefits left with a former employer. Their terms and expected access dates may differ from newer plans.
Move dates and planned decisions
The expected arrival date and any decisions already under consideration help set a sensible order for the review.
Some arrangements may be coordinated from Ireland; others may need to remain with their existing provider. The answer depends on the scheme and your circumstances, so we establish the facts before considering a change.
Where a decision raises jurisdiction-specific tax questions, we can identify the issue and refer you to appropriately qualified tax support. Avoid acting on assumptions about your residency or a pension's treatment.
Two systems, one retirement plan
Ireland and UK working lives
A career split between Ireland and the UK can leave pension benefits with providers on both sides of the Irish Sea. The practical task is to understand each source of income and how it fits your retirement objectives.
We review the available scheme information and note the currencies, expected access ages and provider contacts. Keeping statements and correspondence in one organised record makes future reviews easier.
Residency and tax treatment need careful attention. Pension advice can set out the arrangements and planning questions; specialist tax support should address jurisdiction-specific treatment where required.
Keep both sides in view.
Moving to Ireland
Relocating to Ireland from overseas
A first-year review gives you time to understand how existing arrangements operate while setting retirement objectives around your new country of residence.
Take it in stages.
During the first review
Check how arrangements operate
Confirm relevant scheme details with providers and identify questions that need pension advice or separate tax input.
As plans take shape
Set objectives for the next review
Record your intended retirement timing, likely income needs and any changes to your plans. Keep key scheme documents together.
A joined-up view
Coordinating pensions across jurisdictions
A useful overview puts every known arrangement in one place. It shows what information is confirmed, what is still missing and which questions need another specialist.
Residency is a point to confirm, not an assumption to build into a pension decision. Your circumstances, country of residence and the rules relevant to each arrangement may all matter.
We align the pension information with your retirement objectives and identify where qualified tax support should be involved. No single summary can replace advice on a specific country's tax treatment.
One inventory. Clear questions.
Arrangement
Scheme or policy name, type and country
Provider
Provider contact details and latest statement date
Currency
Currency used in the statement and reported value
Access details
Stated access ages, options and points to confirm
Planning notes
Retirement objectives, residency questions and missing records
The inventory supports pension planning. It does not determine tax residency or provide specialist tax advice.
Start with the countries involved
Start with a structured cross-border conversation
Tell us where your pensions are held, where you live now and whether a move or retirement decision is coming up. We can then discuss the records needed for an initial review.
Advice scope: Mark's Pensions provides pension advice and can refer jurisdiction-specific tax questions to appropriately qualified tax support where required. Tax advice is separate from pension advice.