Turning a QROPS Transfer into a Long-Term Income Strategy
A QROPS transfer isn’t just a way to move a pension from the UK to Canada. It’s a chance to reshape the next two decades of your financial life. Once…
Bringing your UK pension to Canada doesn’t have to be complicated. With over 17 years experience, we guide you through every step with clarity, compliance, and confidence.
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What is QROPS and Why It Matters
QROPS stands for Qualifying Recognized Overseas Pension Scheme — a designation created by HMRC in the UK to allow certain pension funds to be transferred internationally. For expats with past UK employment, QROPS provides a legitimate, tax-efficient path to bring your pension closer to home. Not all pensions or providers qualify, and QROPS rules can be strict — that’s why it’s essential to work with a specialist.
We’re a Canadian-based company that can assess your eligibility, provide an overview of tax implications, and manage every step of the QROPS Canada process to ensure compliance and peace of mind. Beyond the technical requirements, timing and strategy can make a significant difference to the outcome of a transfer. Currency exchange rates, local tax treatment, and your broader retirement goals all factor into the decision. Our role is to guide you through these considerations, helping you make informed choices that align with both your financial objectives and your long-term plans.
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Canada’s QROPS Specialists
Transferring your UK pension to Canada can be complex — but it doesn’t have to be.
With decades of experience in both the UK and Canadian financial systems, Sterling Advisory simplifies the entire process. We offer one-on-one support, clear explanations, and full assistance with all paperwork, start to finish. Whether you’re transferring a defined benefit pension, private pension, or workplace scheme, we’ll help you do it safely, efficiently, and in a way that supports your long-term financial goals.
17
+
YEARS' EXPERIENCE TRANSFERRING UK PENSIONS TO CANADA
30
+
YEARS IN CROSS-BORDER RETIREMENT PLANNING
55
+
QROPS ARE OPEN FOR ANYONE 55 YEARS OR OLDER
A Proven Reputation You Can Trust
When it comes to managing your financial future, trust matters. Sterling Advisory has earned an A+ rating with the Better Business Bureau and is proud to have many 5-star Google reviews from satisfied clients across Canada.
These ratings aren’t just numbers—they reflect years of consistent service, transparency, and a commitment to doing right by every client. When you work with us, you can feel confident knowing you’re partnering with a firm recognized for integrity and results.
How the Transfer Process Works
Our goal is to make your pension transfer as smooth as possible. Here’s how it typically works:
Step 1
Introductory Call/Meeting
If you’ve moved to Canada and want to transfer a personal or company pension, we’ll start with a quick call to see if it’s the right move. If so, we’ll send you our Request for Information form to begin.
Step 2
Request for Information
With your approval, we contact your UK pension provider to get up-to-date transfer values and the forms needed to move your funds.
Step 3
Completing the Pension Transfer
Once the paperwork is ready, we meet to finalize it and liaise directly with your UK provider so the funds arrive smoothly in your Canadian RRSP.
Step 1
Introductory Call/Meeting
If you’ve moved to Canada and want to transfer a personal or company pension, we’ll start with a quick call to see if it’s the right move. If so, we’ll send you our Request for Information form to begin.
Step 2
Request for Information
With your approval, we contact your UK pension provider to get up-to-date transfer values and the forms needed to move your funds.
Step 1
Completing the Pension Transfer
Once the paperwork is ready, we meet to finalize it and liaise directly with your UK provider so the funds arrive smoothly in your Canadian RRSP.
Personalized Service, Wherever You Are
We believe personal finance requires personal service. That’s why we meet clients virtually on your schedule, no matter where in Canada you are. From the West Coast of BC to the red sands of PEI, you can arrange a meeting with us at a time that works for you. We’re not bankers, and we don’t keep bankers’ hours. We believe it’s important to know exactly who’s handling your pension — and have confidence in the process from day one.
We believe personal finance requires personal service. That’s why we meet clients virtually on your schedule, no matter where in Canada you are. From the West Coast of BC to the red sands of PEI, you can arrange a meeting with us at a time that works for you. We’re not bankers, and we don’t keep bankers’ hours. We believe it’s important to know exactly who’s handling your pension — and have confidence in the process from day one.
Blogs
Stay up to date with experienced guidance on QROPS, UK pension transfers, and retirement planning in Canada.
What to Expect Once Your UK Pension Is in Canada
What to Expect Once Your UK Pension Is in Canada
Once your UK pension has been transferred to Canada through a QROPS, you’ll notice meaningful changes in how your retirement funds are managed. For many people, this shift brings a…
Streamlining Your Pensions
Streamlining Your Pensions
If you’ve accumulated multiple pensions throughout your career and are now residing abroad, consolidating them into a single Qualifying Recognised Overseas Pension Scheme (QROPS) could be a wise move. Why…
