Money and property · Life between places
US retirement accounts in the UK: tax questions
Old workplace plans and personal retirement accounts can become harder to keep track of after a move. Start with an inventory that keeps each arrangement separate. Your immediate question may be as practical as getting access to statements, or as consequential as deciding when to take money out.
Begin researchingA preparation page, not a residence or filing determination. Filing is not currently available.
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Your cross-border tax questions.
Record the precise account or plan type shown in the provider's documents. Keep proposed rollovers or payments in a separate list from transactions already completed.
- Which documents explain the character and history of each account?
- What should I check before a rollover, conversion or distribution?
- Can my provider continue servicing the account under my actual living arrangements?
Make the next conversation easier
Records for your tax review.
Keep these in your own records. You do not need to send Treaty documents, amounts or personal details.
- Original plan or account descriptions
- Transaction and contribution history
- Provider correspondence about address or access changes
Your next step in tax research.
Recover missing statements and ask the provider about administrative access. Take cross-border treatment questions to a qualified adviser before changing the arrangement.
Official tax guidance
Use the tax authorities’ guidance for the period and circumstances you are reviewing. These links are starting points, not an answer about your own position.
Want to organise your wider UK–US questions?
The preliminary diagnostic asks you to confirm your own context. Visiting this page does not fill in any answers.
Explore the UK–US diagnosticPreliminary only—not tax advice. No email, documents or exact amounts required.