Our Advice Process

Simple and Straightforward

  • Contact Us
  • Situation Analysis
  • Solution Appointment
  • Complete Application
  • Ongoing Reviews

What Pension Advice Do You Need?

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For all EU residents and non-EU residents, including the USA


Only for EU-residents with pension assets approaching £1M


For clients with a Final Salary CETV (Defined Benefit Pension)


For clients with Defined Contribution pensions

The Expat Financial Journey

the young professional

The Young Professional

the experienced professional

The Experienced Professional

the senior professional

The Senior Professional

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Retirement - The Golden Years

Trusted By Expats In 23 Countries









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Trusted by over 10,647 clients Featured by:

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Top 150 Questions - Asked By Expats!

Our FAQ section includes the questions asked by our existing Expat clients. If you don't see your question - Ask us and we'll answer it.

The average time for a pension transfer is 3-4 weeks. Depending upon the type of pension with DB transfers taking longer and DC transfers shorter. In our experience, exemplary paperwork and streamlined communication are keys to faster transfers. Errors lead to longer transfer times. International SIPP transfers are generally quicker, while QROP transfers take longer.

Absolutely not. There are no nasty lock-in periods with CJ. If you are ever unhappy with our level of service you are free to leave without cost. This keeps us on our toes to continue delivering our high quality of service.

Nobody likes surprises. At CJ our clients know exactly how much their financial advice will cost before they proceed. We have initial advice and set-up fee of 1-3% depending on the size of your investment and an ongoing annual management charge of 1% – Our Costs.

Your policy will pass directly to your named beneficiaries which you state in your application process. So you have peace of mind that your loved ones will automatically receive your assets. No messing around.

Book Your Free Consultation

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    The Key Team

    Neda Balciunaite

    Neda Balciunaite

    Head of Administration [email protected]

    Dominic James Murray

    Independent Financial Adviser [email protected]
    Patrick Collins - Digital Marketing Specialist

    Patrick Collins

    Digital Marketing Specialist
    Dell Alimov - Chief Technology Officer

    Dell Alimov

    Chief Technology Officer

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