BONUS EPISODE: "There's no point being the richest person in the graveyard"

In this bonus episode, we hear from PensionBee customer Andy as he shares his pension story. From two decades living and working abroad and untangling the dormant pensions he left behind, to returning to the UK and working out what "enough" really means when you're planning around a Multiple Sclerosis (MS) diagnosis.

We unpack Andy's pension journey with pensions expert Veronica Morozova from PensionBee, covering:

why finding and consolidating old pensions matters, especially after working overseas; what 'QROPS' is, and how time spent abroad affects your State Pension; the tax benefits of paying into a pension through your own limited company; and how to plan for a range of retirement scenarios, including future care costs.

Episode breakdown 00:51 Meet Andy

04:12 Consolidating pensions and working abroad

08:13 Tax relief and self-employment

11:31 Planning for an uncertain future

Further reading and listening To learn more about the topics discussed in this bonus episode, check out these articles and podcasts from PensionBee:

Episode transcript (Blog) E15: How can we achieve financial inclusion? (Podcast) How to transfer an overseas pension to the UK (Article) Markets and tariffs: what's going on and what it means (Blog) Overseas pension transfers (Article) Pension tax relief and the tapered annual allowance for high earners (Article) The lump sum allowance, lump sum death benefit allowance, and overseas transfer allowance (Article) What happens to my pension if I move abroad? (Article) What is the State Pension? (Article)

Other useful resources Check the recognised overseas pension schemes notification list (GOV.UK) Check your State Pension forecast (GOV.UK) Pension Tracing Service (GOV.UK) When the council might pay for your care (NHS)

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