Carrick Investment Services: Tel:+44 203 1399 013 Email:

slash_icon2Specialists in UK Pension Transfers

Because it's what you have, after you have it all, that counts.

Helping you with the life you want to live in retirement.


Are you a UK expat with a Defined Benefit Pension Scheme? Will there be enough in your UK pension to sustain the lifestyle you envision for your retirement years? Is your UK pension safe? Are you sure?


While Defined Benefit Pension Schemes pay a guaranteed income for life, they are not as flexible as the alternative “defined contribution” schemes.   A Defined Contribution Scheme such as a SIPP (Self Invested Personal Pension) provides a number of compelling reasons to transfer your Defined Benefit Pension; you have full control and a wide choice of investments; can consolidate multiple pension schemes; benefit from flexi-access drawdown with a guaranteed Pension Commencement Lump Sum (PCLS) of 25%.  Most importantly the UK pension deficit crisis does not apply to Self Invested Personal Pensions.


Whether you decide to retire early or work longer, the earlier you start planning, the more likely you’ll be financially prepared for retirement. In the same way that you would diversify your investments, diversifying your pension - that is, spreading the investment risk across different markets - is key to obtaining more stable and robust returns and to minimising risk over the long term. It’s important to give yourself the best chance for a happy and secure future.


With years of experience in the financial services sector and, specifically, retirement planning, we’re able to give you the best advice you’ll find anywhere in the world. By seeking expert advice before taking steps towards pension planning, you can save yourself money and worry.

What Is a SIPP?

A SIPP (Self Invested Personal Pension) is one of the most tax-efficient ways of saving for retirement. Unlike a Defined Benefit Scheme, a SIPP gives you more flexibility with the types of investments you can choose.

SIPP Transfer Process

Transferring your Defined Benefit Pension Scheme to a SIPP is straightforward, provided you have the support of experts who specialise in UK pension transfers.  Carrick will take care of the full process on your behalf.

Latest News


The Trump Effect and Market Volatility

In moments like these, people look for strong leadership, communication and information. Markets have shocks like this on a regular basis, take Brexit as an example, where after an almost 10% sell-off the market rebounded within a month. Carrick portfolios have been designed with diversification as a key underpinning with investment risk spread across various…

Read More

The Trump Presidency heralds an uncertain future for investors

In just one short year the world has been subjected to two major events with ramifications to be felt far beyond the countries where they occurred: Brexit and the US presidential election. In both instances, the day after votes had been cast, people woke up in a world that would never be the same again.…

Read More

Carrick Wealth Botswana Is Open For Business

We are really excited to announce the opening of Carrick Wealth Botswana in Gaborone. Our teams have been working diligently to put the groundwork in place, and this first week in October we have been given the go-ahead to operate. This honour marks the opening of our sixth office within 24 months – and our…

Read More

Because it's what you have, after you have it all, that counts.