Navigating cross-border retirement assets between the United States and the United Kingdom can feel like walking through a regulatory labyrinth. Whether you are a US citizen residing in the UK with a workplace pension, or a UK expat in the US with a traditional IRA or 401(k), understanding how the U.S.–UK Income Tax Treaty applies to your retirement savings is critical. Failing to report pension assets correctly can lead to unexpected tax liabilities or double taxation. Below