If you’ve ever worked in the UK and contributed to a pension scheme before moving abroad, you may have a QROPS (Qualifying Recognised Overseas Pension Scheme) waiting for you. But with years passing, international moves, and changing advisers, it’s surprisingly common for expats to lose track of their pensions. If you’re searching for a lost QROPS, you’re not alone – and Callaghan Financial Services is here to help you find it, without any obligation.
What Is a QROPS?
A QROPS is an overseas pension scheme that meets the requirements set by HMRC (His Majesty’s Revenue & Customs). It allows UK pension holders who are living abroad to transfer their pension out of the UK tax system and into a jurisdiction that better suits their long-term plans. QROPS can provide tax advantages, flexible access, and the ability to consolidate multiple UK pensions.
But over time, many expats lose track of where their QROPS is held, how it’s performing, or even which adviser helped set it up. That’s where our “Find My Lost QROPS” service comes in.
Why People Lose Track of Their QROPS
There are many reasons why someone may have lost track of their pension:
You moved abroad and your financial adviser changed.
The firm you were with closed, rebranded, or lost contact.
The QROPS provider changed administrator or merged.
You’ve switched jobs or pension types multiple times.
You assumed it was being managed but haven’t checked in years.
Whatever the reason, your QROPS still belongs to you, and locating it can be the first step to regaining control of your retirement future.
Can I Still Claim My QROPS?
Yes – in most cases, your QROPS remains valid and accessible. However, if it has been dormant or forgotten for many years, you might need professional help to:
Locate the scheme and provider.
Identify the current value of the fund.
Review the charges and performance.
Explore transfer or consolidation options.
Plan efficient access to your pension income.
Our experienced team at Callaghan Financial Services has helped dozens of clients trace their lost pensions, assess their options, and take confident next steps.
How Callaghan Financial Services Can Help You
We’ve built a reputation for trusted, personal, and transparent advice to British expats and international professionals.
Our “Find My Lost QROPS” service includes:
A Free Initial Consultation
We’ll speak with you by phone, video call, or in person (where possible) to understand your background, any previous pension information, and where the trail might begin.
Tracing & Verification
Using our global network and experience, we’ll contact pension trustees, insurance providers, and previous advisers to help locate your QROPS. This includes checking HMRC-recognised lists, regulatory databases, and historic financial firm records.
Scheme Review & Report
Once we’ve found your QROPS, we provide a clear report on what’s inside – including performance, costs, investment strategy, and if it still suits your retirement goals.
No-Obligation Advice
You are never under pressure to move, change, or pay for anything. If you decide to stay where you are – we’ll wish you well. If improvements can be made, we’ll explain how, and only proceed with your full consent.
Why Work With Callaghan Financial Services?
At Callaghan FS, we believe in doing the right thing – always. Here’s why hundreds of clients have trusted us to find their lost pensions:
Experience with Global Pension Transfers
We understand the complexities of UK pensions, QROPS, international tax law, and expat financial planning. No matter where your pension is based – Gibraltar, Malta, the Isle of Man, or beyond – we can help.
Independent & Client-Focused
We are not tied to any one provider. Our recommendations are based on what’s best for you, not what’s best for us.
Discretion & Confidentiality
Your financial matters are handled with the utmost privacy and sensitivity.
Real Humans, No Robots
We believe in honest conversation, human contact, and old-fashioned service with modern expertise.
Common Questions About Lost QROPS
Q: I don’t know who my original adviser was. Can you still help?
A: Yes. Even if you have little or no paperwork, we can often trace your scheme using your name, National Insurance number, and employment history.
Q: Will I be charged for this search?
A: No. Our tracing service and initial advice are completely free and without obligation.
Q: What happens if my QROPS is underperforming?
A: We’ll show you your options, whether that means improving your current setup or transferring to a more efficient and cost-effective scheme – with full transparency throughout.
Ready to Start?
If you suspect you have a lost QROPS, now is the time to take action. Every year that passes could mean missed growth, unnecessary fees, or poor planning for retirement. With no pressure and no hidden costs, Callaghan Financial Services is ready to support you.
Let us do the digging, chasing, and investigating – while you focus on what matters most.
Disclaimer: Callaghan Financial Services offers general information and assistance in locating QROPS schemes. Any regulated financial advice is provided via appropriately authorised advisers where required. Please ensure you understand the risks and benefits of pension transfers before proceeding.
Find your lost QROPS with confidence – and without obligation – with Callaghan FS.