Retirement Planning in Saudi Arabia
Expert retirement planning for expats in Riyadh, Jeddah and across the Kingdom. Turn your tax-free Saudi years into the retirement you actually want.
Expert retirement planning for expats in Riyadh, Jeddah and across the Kingdom. Turn your tax-free Saudi years into the retirement you actually want.
Most expats arrive in Saudi Arabia intending to save — and leave wishing they'd started sooner. We make sure that's not your story.
We calculate exactly what your ideal retirement costs and the savings path that gets you there — in real numbers, not vague percentages.
UK and international pensions found, reviewed and organised: performance, fees, gaps in your state pension record, and whether consolidation makes sense.
Portable, flexible investment structures that make the most of your zero-tax years and stay efficient wherever you retire.
Whether it's the UK, Europe, Asia or a beach you haven't found yet — your plan is built around your destination's tax and currency reality.
Your end-of-service benefit planned properly: what you'll get, when to take it and where it fits in the bigger picture.
Saving is half the job. We plan how you'll draw income tax-efficiently, in the right currency, for as long as you need it.
Your goals, your timeline, your current position — a relaxed conversation, not an interrogation.
We map every pension and asset you hold worldwide and model your retirement trajectory.
A clear written plan: how much to save, where to put it, and what it delivers by when.
Annual reviews (and whenever life changes) keep the plan matched to reality.
Only Plans provides retirement planning for expats throughout Saudi Arabia. Financial planner Vincent Wilson helps expatriates in Riyadh, Jeddah and Dammam build tax-efficient retirement savings, review UK and international pensions, and create a clear income plan for wherever they choose to retire. The first consultation is free.
It depends on your lifestyle and where you plan to retire. As a rough benchmark, UK research suggests a comfortable retirement needs around £44,000 a year for a single person and £61,000 for a couple. The real answer comes from a personal calculation — which is exactly what we do in your free review.
Often yes, but with limits. Most UK expats can continue contributing up to £3,600 gross per year to an existing pension for up to five tax years after leaving the UK, and voluntary National Insurance contributions can protect your state pension. The right approach depends on your circumstances — we review this as standard.
You can still claim it from Saudi Arabia, but it is frozen at the level at which you first claim — it does not receive annual increases while you live in the Kingdom. Planning around this gap is a core part of an expat retirement strategy.
Almost never. EOSB is a valuable lump sum, but it is paid when you leave your employer, is concentrated in one currency, and was never designed to fund decades of retirement. Treat it as a supplement to a proper retirement plan, not a substitute for one.
Now. Your Saudi years are likely the highest-earning, lowest-tax period of your entire career — every year of delay is compounding you never get back. It is never too early, and rarely too late, to build a plan.
A free 30-minute consultation is all it takes to find out where you stand and what to do next.