When I first married my husband, we decided there and then to start saving for our old age. We could of said "oh well, we can do that next year". None the less, we did not want to leave ourselves in awkward places should anything happen to one of us. We had also been warned by our financial advisor that the UK pension does not allow a good standard of living.

Once the debt of a mortgage was fully paid off, we decided to start paying more cash into private pension funds. We all the time wanted to leave the uk so our goal when we retired was to buy a villa and live in Spain. Spain was always our family holiday address so we knew it well. We had also checked out villas that would be most suitable.There was also a website that we read thoroughly as it explained a lot of need to know material about the Uk pension. Spain is a country within the EU so this meant we could shift our pension without penalties. We just needed to tell the pension company of our new address in Spain.

With this in mind, next came our personal pensions. We looked on the internet and found a corporation that dealt with transferring private pensions to foreign countries. They also measured its present performance to make sure that the investment were working to utmost potential. This meant flexibility, more choice and ease of mind.

Complications and moving goal posts used to be how we summed up pension companies. However, with the help of pension specialists our task of ensuring that our individual pensions wouldn't be affected by moving abroad, or even diminish in value, was in safe hands.

We had both worked so hard to build up our individual pensions and we wanted to gain as much out of them as possible. It was our savings and pensions funds that going to fund our life in Spain, so everything had to be spot on. The transfer of our pensions to a new pension strategy has gone very smoothly. So now that our state and personal pensions are in order, we can go to Spain and purchase our villa.