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Can I get some clarity on what HMRC defines as a Lump sum.. Working with a friend looking into taking some 401K withdrawals. There seems a disconnect between USA and UK definitions. Scenario we are trying to avoid is taking a significant withdrawal which will attract 30% withholding in the USA which we would correct via 1040NR as it is being treated as a lump sum... only for HMRC not to treat as a lump sum and being liable for UK tax after the event and pushing him into high tax of tax vs USA return... Really need HMRC to give clear guidelines on what constitutes a lumpsum before he plans retirement cashflows and some clear examples if it is complex.