You earned your pension in one country and plan to retire in another. Between the two lies a maze of currency, tax, transfer rules, and access. This book keeps your retirement from getting lost in transit.
3DGlobally mobile professionals often accumulate pensions and retirement savings in the countries where they worked, then intend to retire somewhere else entirely. What looks like a single retirement is really a set of pots scattered across jurisdictions, each with its own access age, tax treatment, currency, and transfer restrictions, and none of them designed to talk to the others.
Your Pension Is Here. Your Retirement Is There. is a map for retiring across borders. It explains how foreign pensions are accessed and taxed, where currency risk silently erodes income, which transfers help and which create traps, and how to consolidate a scattered retirement into a coherent, reliable income wherever you finally choose to live.
A pension paid in one currency and spent in another can lose value to exchange swings.
The interplay of where you earned and where you live can tax the same income twice.
Different countries unlock pensions at different ages and on different terms.
Moving a pension across borders can trigger tax, fees, or lost protections if done wrong.
01The Right Tool for the Right Job
02Work Optional
03The Day the Benefits Stopped
04The Tax Illusion
05Worth Millions on Paper
06Too Young, Too Healthy, Too Late
07Nobody Has the Keys
08Yours, Mine, and Theirs
09Advised Everywhere. Planned Nowhere.
10The Phone Call That Changes Everything
11Eighteen Years to Get This Right
12Your Pension Is Here. Your Retirement Is There.Now Reading
13The Stamp That Expires
14The 183-Day Trap
15Nobody to Fall Back On
16Built by One. Lost by Three.
17The Conversation the Money Needs
18The Child the Financial Plan Forgot
19The Empty Estate
20The Family Philanthropy Playbook
21From Piggy Banks to Private Trusts
22The Family Bank
23The Plan You Think You Have
24Just One More Million
25My Family Would Never Fight Over Money
26I’ll Sort It Out When I’m Older
27Perfectly Logical
28I Was Going To
29More Salary, Less Money
30You Insured Your Phone
31What to Do When the Money Arrives
Build Before the Move
The Pension Fragment Problem
The Offshore Retirement Income Architecture
Not Retiring Home. Retiring Right.Pension and tax rules differ sharply by country and change often. This book frames the right questions and risks; the specifics for your countries must come from qualified cross-border advisers.
“A pension you earned here does you little good if it cannot reach you there.”Dr. Sanjay Tolani
Dr. Sanjay Tolani is a third-generation insurance professional and one of the most decorated financial planners in the world. He qualified for the Million Dollar Round Table at 19, the youngest member in its history, a record that still stands, and has since structured more than USD 25 billion in assets for over 50 high-net-worth families across 53 countries.
Beyond his practice, Dr. Sanjay has built the world’s largest advisor mentoring community, over 200,000 members, all free, and authored books that have sold more than a million copies in five languages. The Right Tool Series makes that same expertise available to families, business owners, and globally mobile professionals who need real plans, not general advice.
02Work Optional06Too Young, Too Healthy, Too Late15Nobody to Fall Back On23The Plan You Think You HaveThe book is shared on request. Tell us where to send it and we'll get your copy to you.
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