Pension Services & QROPS Guidance

When it comes to your retirement, pension planning is essential for creating the kind of life you want to live once you finish working. Both UK pensions and QROPS (Qualifying Recognised Overseas Pension Schemes) are effective as part of an investment strategy, but they can also be difficult to understand. That’s where bdhSterling can help. Our consultants are experienced and qualified, possessing the knowledge you need to invest in a pension with confidence.

It’s important to get pension advice as early as possible once you start your career or employment. This means you can make informed decisions when it comes to choosing the right option and benefiting from any tax relief or investment opportunities available to you.

UK Pensions Freedom (introduced in April 2015) has brought more flexibility for pensions investors, but it’s not without its complexities. There are a number of decisions you must make when considering your investment and retirement benefits, so finding the correct advice is crucial.

Making your pension provision or QROPS more simple

You may have accrued pension benefits through several employers over the course of your career. There are circumstances when it can be smart to combine these together under a single scheme to help you keep track of your pension benefits and maximise any investment opportunities. At bdhSterling, we can ensure this is done effectively and advise you on the best plan for your pension funds.

Pensions and a QROPS

Like many people planning their retirement, you might think of moving abroad when you no longer have to work. If this is the case, a QROPS provides a way of transferring the pension funds you have built up in the UK, overseas. At bdhSterling, we are experts in the transfer of pensions and investments abroad, something that many people find too complex and time-consuming without professional help. If you’d like to discuss this with us, get in touch.

Starting a pension – business owners and executives

Running your own business or being a director or executive of a company opens up a number of pension planning opportunities. Executive Pension Plans, Self-Invested Pension Plans (SIPPs) and Small Self-Administered Schemes (SSAS’s) offer opportunities for diverse investing that are not usually available to staff members under a standard pension scheme.

For example, SIPPs and SSASs will allow the purchase of a commercial property (of your own business) and potentially a commercial loan, as well as allowing you to select from a more comprehensive range of investments.

Is there a right time to take pensions and QROPS advice?

There is never a bad time to start investing in a pension or begin looking carefully at the way your pension is performing. Taking proper advice from professionals with experience in pension planning can mean you maximise the amount of money you will have in your retirement.

If you are currently reviewing your existing pension, want to establish a retirement savings plan or you are facing crucial retirement decisions such as transferring funds to a QROPS abroad, bdhSterling offers expert advice.

Contact us at to speak to one of our pensions experts.