Retiring in Scotland

@Sulli Nav

My partner and I moved to Scotland (from the United States) 18 months ago.  We both collect Social Security, and I have a federal pension and receive monthly payments from my federal equivalent of a 401K.  We filed our UK taxes for the first time in 2024.  In the UK you cannot file a joint return, but you have an offset of £12,500 each. Also, you can offset some of the UK taxes based upon some of the U.S. income taxes.  We had the same refund we usually have from our US taxes and paid a reasonable tax amount for the UK.  Usually, I file my own U.S. income tax return.  This year, I used a tax service in the UK to file both returns.  The fee for that was the more than I wanted to pay, but not outrageous. 

@sak1953

My partner and I moved to Scotland (from the United States) 18 months ago.  We both collect Social Security, and I have a federal pension and receive monthly payments from my federal equivalent of a 401K.  We filed our UK taxes for the first time in 2024.  In the UK you cannot file a joint return, but you have an offset of £12,500 each. Also, you can offset some of the UK taxes based upon some of the U.S. income taxes.  We had the same refund we usually have from our US taxes and paid a reasonable tax amount for the UK.  Usually, I file my own U.S. income tax return.  This year, I used a tax service in the UK to file both returns.  The fee for that was the more than I wanted to pay, but not outrageous. 

@sak1953

Which visa did you get?

@SimCityAT

I have dual citizenship US/UK. My partner has a residential visa based on marriage to a British Citizen

@sak1953

I'm just wondering if @Sulli Nav is like you then, because there is no retirement visa.

@sak1953

So no Roth?

Yes, I am a dual UK/US citizen.  Based on my additional research it looks like ROTH is exempt from taxes in the UK.