simple facts

we are the largest independent transfer specialist

We’re the experts in UK pension transfers

The website is owned and operated by Charter Square Services a wholly owned New Zealand company and registered financial services provider.

Charter Square is at the forefront of the QROPS industry and New Zealand QROPS pension transfers.  We have been transferring UK pensions to New Zealand for over 18 years having conducted thousands of pension transfers worth hundreds of millions of dollars.

Charter Square has been a big part of the evolution of international pension mobility through cross border pension treaties, the development of the QROPS regime in the United Kingdom, the introduction of KiwiSaver, and a raft of tax changes for superannuation around the world. At all times we’ve stayed abreast of the changes and been instrumental in helping our clients maximise their pension assets.

We’ve worked with thousands of British expats and people that have lived and worked in the UK and accrued pensions to help them decide whether a transfer is a good option for them or not and if it is help transfer their pensions to an appropriate QROPS here. We’ve equally provided advice to people to leave their pension in the UK, such as where they could not afford the tax bill on a pension transfer, or their UK pension had valuable benefits that would be given up on transfer, or they intended to return to the UK.

What we do

We understand that each client has a different set of circumstances and their pension transfer decision can only be reached by addressing the following key points:

  • A review of your UK pension entitlements
  • Review the financial impact of the transfer
  • Help recommend a receiving QROPS after full due diligence on that scheme
  • Assist with investment recommendations for you
  • Facilitate the pension transfer

Charter Square and its advisers are based in Wellington and Auckland, New Zealand and in Manchester, UK our admin team are dedicated to chasing UK pension providers for forms, updates and transfer payments. We have contacts in over 2,000 UK pension schemes. With that depth of experience we know the questions to ask and don’t accept excuses from UK providers…we get result fast making your UK pension transfer as simple it can be.

We’re fully independent

Charter Square is not tied to one NZ QROPS for doing our transfers. This is critical as it allows us to cover the market. However, because of the volume of transfers that we conduct we can get better deals for our clients when it comes to negotiating with the New Zealand superannuation schemes. The benefits of using Charter Square can include waiver of entry and exit fees, purchasing power discounts on fund management fees, and the knowledge that you get post transfer service including regular updates on issues effecting you and your previously transferred funds.

Charter Square have transferred to over ten different QROPS in New Zealand including, PIE schemes, zero-rate PIE schemes and wrap platform schemes. We are completely adept navigating the waters of QROPS and ensuring that you end up with the best outcome.

Our key people

Simon Swallow (M.Com)

Director – Head of Wellington Office

I started Charter Square in 2000 in London and never looked back. I believe everyone should make decisions based on all the available information, that’s why I work tirelessly to understand the QROPS market in New Zealand and the legislation surrounding it. I turn that knowledge into actionable strategies for our clients, no matter how big or small their pension transfer. I understand it’s your financial future and you want to make the most of it, everything that I do for you adheres to that principle. I have gone to bat for fairness in pension transfers with the NZ government, the IRD and FMA and am regularly consulted as ‘the expert’ in pension transfers by the press. When you work with me you’ll really discover the world of possibilities for your UK pension.

Contact me directly
p: +64 4 212 4970

Cambel Ferguson

Head of Auckland Office

I joined Charter Square in 2013. I have a real passion for delivering the very best service to my clients. I’m a firm believer in no nonsense, clear and regular communications as the best way to build trust with my clients while I work with them. As a transactional business we operate within some very prescriptive regulatory frameworks I believe its crucial I get the message right first time. Working with me on your pension transfer you’ll know you have the best alongside you for this interesting and ultimately financially rewarding journey and I very much look forward to working with you to help you discover how having your UK pension in NZ can benefit you.

Contact me directly
p: +64 9 378 1666
m: +64 21 663109

Daniel Smith

Head of Operations – Manchester

I started working with Charter Square in 2014. I believe that UK pension companies have an obligation to provide all the information necessary for members to accurately assess their situation and whether a transfer is right for them or not. I have the tenacity to chase UK pension providers for all the relevant information so we can properly form you about your options. I am adept at navigating the maze that the UK pension providers often create and having worked with many of them for so long have established relationships that help get fast results.

Contact me directly
p: +44 845 544 3101

get in the know

get a free detailed assessment and report on your
UK pension and what it means to leave it or transfer it

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straightforward and painless

Until now I'd imagined my UK pension funds being locked away behind all manner of firewalls and bureaucratic hurdles to access on retirement. Before committing the one surviving official document of my English OE to the bin - a single page detailing my private pension details - I contacted you out of curiosity. The result feels a little like winning lotto.

Peter W

very stress free

Thank you Cambel for your help and guidance throughout this process in getting my pension transferred (very stress free for me). It is greatly appreciated and I would certainly recommend you and Charter Square to others who are interested in transferring their pension.

David R, New Zealand

You guys rock!

I just wanted to say a great big thank you to you and your team. You are all totally awesome. I received a cheque yesterday from the Prudential to apologise for the ‘recent inconvenience’ that I had experienced. Thank you for doing this for me. You guys rock!

Noelle B, New Zealand

professional, insightful

Charter Square were professional, insightful and a pleasure to work with. They rose to the challenge of consolidating my overseas pensions and bringing them home with minimum fuss for me and maximum effort on their part.

Jens H, New Zealand

thorough, professional and prompt

Very thorough, professional and prompt service from the team at Charter Square. Thanks for making the bewildering world of pension transfers super simple.

Jules T, New Zealand

Best party to deal with

Thank you kindly for keeping in touch with me. For now, I will not be moving my pension. I will however be keeping your details and referring back to you when I wish to pursue. You by far are the best party to deal with, no nonsense, professional and in my opinion genuine. I do sincerely thank you for your advice to date.

GE, New Zealand


Securing the freedom to use savings that are actually ours to work with has been stressful in the extreme. While I never planned on giving up there were many times when the current (UK) holder made the whole process seem well beyond my determination and ability. It’s easy to look at the 36 month history of this claim with the benefit of hindsight, but the conclusion is that employing Charter Square in the first instance would have been wise had I been able to anticipate the red-tape that appears to have been deliberately created to stall access.

CP, Auckland