Unfortunately, it’s too often the case that people are doing too little to meet their retirement targets or are simply doing nothing at all. Many people living internationally might not have access to private pensions or are forced into contributing to state pension schemes they will never be able to access.

With national pensions suffering from large funding deficits and company retirement plans continuing to offer reduced levels of benefit to their employees, you have to ask: who is going to pay your retirement income? Who is going to secure your financial future?

Today you can’t rely on anybody but yourself to secure your financial future or an income during your retirement years. Even the ability to reach your future retirement lifestyle goals will become increasingly difficult every month you fail to take action and could eventually become unattainable.

The first step is to realize what your future goals and targets are and how much you need to be putting away to achieve those targets. Talking with an Argentum Advisor will help you determine what retirement goals you should be targeting based on your circumstances and how you can most effectively use your surplus income today to meet those goals.

We specialize in providing solutions to foreign nationals living and working abroad with mobile careers and the need for portable international retirement solutions. Our advisors will consider your nationality and current tax treatment in recommending tax-efficient investment solutions to you.

We can open US onshore accounts for US nationals and non-US nationals, a service only available through Argentum if you currently reside in Japan. If you have received a request by your current US brokerage to immediately transfer or close your account because you live in Japan, we can help. Argentum can quickly facilitate a new US brokerage account and manage that portfolio for you. If you need to rollover a 401K, an IRA, or a Roth IRA, we have options. We can also advise on international US pension solutions that are US Qualifying and would give you tax-efficient distributions at early retirement age.

Anyone who has lived and contributed to a UK based pension can benefit from transferring and consolidating their existing UK pension schemes into a SIPPs or Self Invested Personal Pension. The main benefits are to protect the value of your pension from any scheme changes that might be imposed by your previous employer; consolidating a number of pensions into one private pension reduces the fees you are paying; a greater range of investments options and control over how your pension is invested; being able to pass on the full value of your pensions to your spouse without any reduction in benefits. One of our Advisors would be happy to explain more about the benefits and how you can get more control and value from your UK pensions at an earlier age.