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Who We Help

Supporting UK Expats and Returning Australians in Retirement Planning.

At Harding Wealth Management, we specialise in assisting UK expats and returning Australians aged 55 and over who have accumulated over $700,000 in retirement assets and require expert advice.

Our expertise lies in navigating the complexities of UK pension transfers to the Australian superannuation system while ensuring our clients receive tailored financial strategies that align with their long-term goals. 

Our ideal clients

We provide financial guidance to individuals who:

  • Have worked in the UK and built up pension assets but now reside permanently in Australia.
  • Seek to transfer their UK pensions to Australian superannuation while ensuring compliance with both jurisdictions.
  • Want a clear, structured retirement plan that provides confidence in their financial future.
  • Prefer a cost-effective approach without unnecessary fees while benefiting from evidence-based investment solutions.
  • Require financial planning that integrates both UK and Australian regulations to avoid conflicting advice.

Why our specialised approach matters

Navigating UK pension transfers and Australian superannuation regulations requires a deep understanding of both financial systems.

Our dual-qualified expertise ensures: 

  • A seamless pension transfer process, avoiding costly mistakes and penalties. 
  • Custom investment strategies that optimise tax efficiency and long-term wealth growth. 
  • A structured retirement plan that adapts to changing circumstances and legislation. 

Clarity and confidence in your retirement

Beyond pension transfers, we offer lifestyle financial planning—helping you answer critical retirement questions such as: 

  • When can I retire with confidence? 
  • How much do I need for a comfortable lifestyle? 
  • Will my retirement savings last? 
  • Can I afford to travel, buy a new car, or support family members?


Through ongoing review and financial modelling, we ensure your retirement strategy remains aligned with your evolving needs, giving you financial clarity and peace of mind. 

Maintaining market leadership

By focusing exclusively on UK pension transfers and retirement planning for UK expats in Australia, we uphold the highest professional standards and deliver truly personalised service. Our deep specialisation means we stay ahead of regulatory changes, industry best practices, and tax considerations, ensuring our clients receive expert guidance tailored to their unique circumstances. This commitment allows us to provide a level of care, diligence, and expertise that sets us apart. 

If you are looking for expert guidance to transition your UK pension and secure your financial future in Australia, we are here to help. 

Book A Consultation With Us

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Harding Wealth Management Pty Ltd

ABN: 62 603 965 215

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PO Box 2040, Murray Bridge, SA 5253

Harding Wealth Management Pty Ltd (1009142) is a Corporate Authorised Representative and Simon Harding (448420) is an Authorised Representative of HNW Planning Pty Ltd AFSL 225216

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