
Budget statements are always preceded by a slew of rumours and conjecture. The 2025 UK Autumn budget was no exception.

There are many expats with UK pensions living in the USA. It can be a challenge to get access to these pensions!
The introduction of the Pensions Act 2014 has resulted in a significant increase in pension fraud incidents in the UK.

The Pensions Regulator's guidance notes on QROPS transfers are welcome.
New pension transfer regulation will help combat pension scams.
Cash-flow modelling is fundamental to accurate and quality retirement advice.
International SIPPs allow access to (almost) any fund available globally.

Pension situations can be improved by utilising the increased availability of funds and choice of currencies.
The solution is to use an International SIPP with a suitably flexible investment portfolio underlying the basic structure.