Anyone with a current or 'frozen' pension in a European Union member country, now living overseas as an expatriate or who is planning to live overseas as an expatriate within the next 12 months, can qualify for a QROPS Pension Transfer.

You will need to meet the following criteria:

• You need to be between 18 and 75 years of age
• You will need to be a non-tax resident for five, consecutive tax years *
• You need to have a private pension, as opposed to a state pension
• You have not taken an annuity on your pension
• You have not yet taken a payment from your 'final salary' scheme pension

More importantly, anyone of any nationality whom has officially worked in any European Union member country for any duration as an expatriate and has now transferred to another country, returned home or is planning to return home, may qualify for a QROPS Pension Transfer.

In most pension situations, given both the tax-efficiency and the investment flexibility, the benefits of transferring your current or 'frozen' pension offshore through a QROPS transfer are significant.

* In the event that you want to remain a tax resident in your home Country and you would like your pension to benefit from a professionally managed bond of international funds you can apply for a SIPP (Self Invested Pension Plan). You would not receive the same offshore tax efficiencies as a QROPS but your pension 'asset' would benefit from the same care and management given to any QROPS investment bond.

Given these significant benefits, no matter what pension you have and if you meet any of the above criteria, it is most definitely in your interest to discuss your pension options with us now.