Hoxton Wealth

Investment and Pension Specialist with a focus on giving advice to the ExPat community worldwide.  I give retirement planning advice to clients with pensions pots gathered from throughout their working lives. I research existing pension performance and make suggestions as to the best way to take advantage of the tax and investment options available whilst they remain offshore.


Contact me to arrange your initial complimentary consultation
paul.molloy@hoxtonwealth.com
Mobile: +971 58 503 7949

Senior Financial Advisor/Investment Advisor Representative

St. James's Place Wealth Management – Asia

Investment and Pension Specialist with a focus on giving advice to the ExPat community in Singapore.  I give retirement planning advice to clients with pensions pots gathered from throughout their working lives. I research existing pension performance and make suggestions as to the best way to take advantage of the tax and investment options available whilst they remain offshore or in Singapore.

IFA and Pensions Specialist for Medical Professionals. Including Doctors, Dentists, Vets and Pharmacists.  I have a thorough knowledge of the issues that are currently affecting these professionals.

I also us very power financial forecasting software that I have imported to Singapore from the UK.
This forms a foundation to the financial planning advice that I give to my clients.
It allows us to create various "what if" situations and plan according.

Contact me to arrange your initial complimentary consultation
paul.molloy@sjpp.asia
Mobile: +65 9109 3824

Partner

Globaleye

Investment and Pension Specialist with a focus on giving advice to the ExPat community in Singapore.  I give retirement planning advice to clients with pensions pots gathered from throughout their working lives. I research existing pension performance and make suggestions as to the best way to take advantage of the tax and investment options available whilst they remain offshore or in Singapore.

Leaving Pensions in the UK

If you leave your pension in the UK when you are abroad you are leaving the pension open to the following risks:
•	New Pensions legislation changing the taxation or flexibility of current schemes.
•	When you take benefits from your pension, UK tax will be deducted immediately.
•	Death benefits – In the UK, pensions can be completely lost or severely reduced upon death. Money Purchase schemes will be taxed at a flat rate of 55%. Defined Benefit schemes can, depending on the scheme rules, be lost completely in the event of your death.
•	Your pension will remain in £ and as sterling weakens this may impact heavily on your ability to remain abroad.
•	Poor investment choice and below  average growth is prevalent in more than half of UK pension funds.
•	Little or no transparency on costs.
•	Reliance on the ability of the company to meet its pension obligations: many UK pension schemes have huge shortfalls, BA being a major example. In recent years we have seen huge British institutions having to deal with major crises.  For varying reasons RBS, Northern Rock and BP are just three high profile  examples of companies that may have difficulties in honouring their pension schemes.

There are more than 7,300 defined benefit schemes in the UK , including final salary  pensions, collectively facing a shortfall of £41.5 billion, according to pensions safety net the Pension Protection Fund.

Wealth Manager and Pension Adviser. Transfers-QROPS-SiPPS-Consolidation-Lost-Tracking-Valuations

Fixmypension.com

As an IFA, I have a responsibility to ensure that the advice I give you is up-to-the minute, pertinent and forward-looking. My job is to help you understand your position, and to form and implement a short, medium and long-term strategy, with you, to protect and develop your assets. 

As an IFA and Pensions Specialist, my aim is to offer you a thoroughly professional, highly individual service that puts you in a more advantageous financial position, now and in the future.

When we first get together to discuss your needs, you may not actually be sure what services you require.  It is part of my job to help you decide, by indicating potential variables and outlining possible solutions. All of this is done to suit your particular needs, lifestyle, character and goals.

Independent Financial Adviser, Pension and Investment Specialist

Moneygate Financial Services Ltd

Independent Financial Adviser and Pension and Retirement Specialist

Financial Planner - Pension Adviser

Lighthouse Temple

Independent Financial Adviser and Pensions Advice Specialist

Independent Financial Adviser

Leicester City Council

Teacher in pupil referral unit for young people who had been permanently excluded from school. Actively involved in trying to get the students back into mainstream education by working with them and the schools to create a plan that works for both parties

Teacher

Struggling to Plan for Retirement or worried that you’ll never have enough? 

I got you!

I understand you have a busy schedule, and can't find the time to:

+ Spend hours researching investments or come up with a plan
+ work out how much money you’ll need in retirement
+ Figure out the nitty-gritty stuff

Let me handle the tedious part of planning for your retirement AND removing the fear and worry of not having a plan in place.

Here's how I can help you achieve your vision and goals:

- Discovery Meeting to understand your current situation
- Cashflow analysis to show you how close/far you are to achieving your goals
- Discovering your attitude to risk and capacity for loss
- Building a financial plan for you that matches that risk profile
- Regular reviews to make sure you stay on track

Sound good? 

DM me “Financial Plan”. 

The result? 

More time for you, and less worry. 😎

Rolling over your 401(k) sounds simple.


Log in. Click transfer. Done.


But here’s the truth:

You don’t move your money for convenience.

You move it for security.

And yet most guides stop at “how to transfer.”

Leaving you exposed.

Paying hidden fees.

Wondering if your future is protected.


Here’s the shift:

Managing your retirement as an expat isn’t about pushing buttons.

It’s about asking the right questions:

How are my withdrawals taxed overseas?

What happens when exchange rates shift?

Am I actually diversified… or just holding U.S. risk?


When you get this right, your retirement stops being a headache… and becomes peace of mind.


👉 Question for you: What’s your biggest fear about managing your U.S. retirement accounts abroad?

Paul Molloy

Helping Expats & Former US Residents with 401(k)s & 🇺🇸 American Assets | Retirement Planning | Investment Strategies | Tax-Efficient Solutions

3 Costly Mistakes U.S. Expats Make With Their 401(k)s

Living overseas doesn’t mean the IRS forgets about you.

I often see Americans abroad making these mistakes:

1️⃣ Cashing out their 401(k) early (hello, penalties!)

2️⃣ Moving it to a local plan without checking U.S. tax consequences

3️⃣ Ignoring currency risk until it’s too late

The good news? All of these can be avoided with the right plan.

I’ve put together a free 2025 guide for U.S. expats — message me “Guide” and I’ll send it over.

The Old Way with Your 401(k):

 • Leave it with your old employer
 • Pay high hidden fees
 • Forget about it overseas
 • Hope it’s enough at retirement

Sound familiar? 🌍

The New Way with Your 401(k):
 • Take control with a rollover
 • Access global investment options
 • Lower fees, more flexibility
 • Align your retirement with your expat lifestyle

For expats, leaving your 401(k) behind isn’t a plan—it’s a risk.

Rolling it over can mean more freedom, less worry.

💡 Your retirement should move with you, not stay stuck at your old job.

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