Where you retire decides what you keep.

Sound familiar?

• Pensions and savings in two or three countries, and no single picture of them
• A pension from a previous country you haven't looked at properly since you moved
• No firm idea yet whether you'll stay in Hong Kong, move on or return home
• Not sure which country will tax your retirement income, or your estate
• Advice so far from people who know one country's rules, not all of them

Every country you've lived in, and every country you might retire to, has its own view of your pensions, savings and estate. Most people find out how those rules interact only after a decision has been made. This guide sets out the steps worth taking first, in plain English.

What's inside the guide

• Map what you have and where: pensions, savings and investments across every country
• Review your pensions from abroad: what to keep, combine or move
• Work out which country taxes your retirement income, and what changes if you move again
• Keep your options open while you decide where to retire
• Plan your estate across more than one country, including inheritance tax where it applies
• Set the order you draw income across pensions, savings and currencies
• Avoid the mistakes that become hard to undo

Who it's for

• International expats living in Hong Kong, whether or not you'll retire there
• £200,000 or more across pensions, savings and investments, wherever they're held
• Retired, or planning to retire within the next ten years
• Money in more than one country

A conversation, if you want one

• Twenty minutes, by phone or video
• No documents needed, nothing to prepare
• No products discussed on a first call