Pension & QROPS Strategy
UK pension classification, QROPS feasibility, drawdown sequencing, and the residency timing that makes the transfer cleanest.
- QROPS suitability review
- Drawdown sequencing
- Residency timing
MII Wealth Advisory · For NRIs & Global Indians
Cross-border financial planning, finally joined-up.
Most NRIs end up with a UK adviser, an Indian CA, an insurance agent and a fund distributor — all working in isolation. We replace that with a single plan that maps your pension, taxes, investments, drawdown and inheritance as one system.
Fee-only · No product commissions · UK + India coverage
What Advisory Covers
Six planning areas. One coordinated plan.
Cross-border Tax Position
UK + India sides modelled together: DTAA application, residency tests, the 25% Overseas Transfer Charge, and Indian taxation of QROPS proceeds.
- DTAA application
- Residency-test calendar
- OTC modelling
Investment Allocation
An INR-aware allocation across mutual funds, AIFs, sovereign instruments and global funds — sized to your risk profile and target retirement income.
- NRE/NRO-aligned
- Risk-band sizing
- Quarterly rebalance
Retirement Income Plan
Lump sum vs annual drawdown, tax-efficient sequencing, longevity planning — modelled at multiple retirement ages so you choose with eyes open.
- Withdrawal scheduling
- Longevity stress-test
- Tax-efficient sequencing
Inheritance & Succession
Beneficiary nomination, the upcoming UK IHT exposure on un-transferred pensions from 2027, and clean succession structuring across UK and Indian assets.
- UK IHT 2027 review
- Beneficiary nomination
- Succession structuring
Annual Review & Coordination
Once-a-year deep review, plus a single point of contact who coordinates with your Indian CA, UK provider, and any other professionals already in your life.
- Annual deep review
- CA / accountant liaison
- Single advisor contact
How Advisory Works
Three sessions to a working plan.
Then ongoing. Most clients onboard fully within 4–6 weeks.
Session 01 · Free
Discovery call
30–45 minutes. We listen. You explain your UK and Indian financial picture, where you are in life, and what "settled" looks like to you. We tell you whether MII Wealth Advisory is the right fit — honestly.
- Stock-take of your current position
- Goals and timeline mapping
- Honest fit/no-fit verdict
Session 02 · Plan Build
Cross-border plan design
You receive a full written plan: pension strategy, tax position, allocation, insurance gap analysis, drawdown projection, and inheritance structure. Numbers, not vibes.
- Written plan delivered
- Multiple-scenario projections
- Specific action list with timing
Session 03 · Execution
Implementation & ongoing
We coordinate the QROPS transfer, investment onboarding, insurance applications and any restructuring — and stay on as your single point of contact for annual reviews thereafter.
- Coordinated execution
- Single point of contact
- Annual deep review
Fee-only Advisory
You pay us. Nobody else does.
No commissions, no kickbacks, no proprietary product push. Recommendations follow the plan.
Flat or AUM-based
Quoted upfront, agreed in writing. No surprises, ever.
Product-agnostic
We don't earn anything from the products you buy. Recommendations are based on suitability alone.
Plans you can actually read
Every plan comes with a one-page executive summary. The detail is there if you want it; the action list is one click away.
Book Your Free Discovery Call
30 minutes is all it takes to know if we're the right fit.
Tell us where you are in life. We'll tell you straight whether MII Wealth Advisory adds value to your situation — or whether you're better served elsewhere.