Expat Financial Advice
Expert cross-border financial planning for your life abroad
Our financial planning services give you the support and guidance you need, no matter where life takes you.
The challenges of moving overseas
Living overseas brings new opportunities and challenges.
About 5.5 million British people live outside the UK. Whether you move abroad for a short time or plan to stay there long-term, becoming an expat can greatly affect your finances.
You may need to adjust your taxes, pensions, and other financial plans to meet the rules in your new country.
A financial adviser can help make things easier and give you confidence in your financial decisions.
If you’re an expat, our professional planning services help you stay compliant, protected, and financially prepared for your move abroad and your return home.
Why choose us
We help you organise and optimise your finances so you can feel confident living abroad. Here’s what makes us different:
Comprehensive solutions
We offer a range of financial services designed for expats and their long-term goals.
Experience
For nearly 30 years, we have supported expats around the world with quality, trusted financial advice.
Expat specialists
We understand the unique challenges expats face and know how to help you overcome them.
Global expertise
Our offices around the world mean you can get expert advice wherever you are.
Key things expats need to consider
Tax implications
Your tax residency may change when you move abroad, which can affect how much income tax and other taxes you pay.
Medical insurance
Healthcare systems vary a lot between countries. Not all countries offer free healthcare, so private medical insurance is often needed to protect you and your family.
Estate planning
Every country has its own inheritance laws, and the rules can be complicated. Cross-border estate planning helps keep your assets protected, wherever they are held.
Retirement planning
Moving abroad can affect your current pension. If your pension is in another country, it might not be tax-efficient, and changing currency rates could reduce your retirement savings. Professional advice can help you make the most of your pension and find the best options.
Investment strategies
Expats need to make sure their investment portfolio is set up properly to avoid extra taxes and match their new situation and long-term goals.
Financial planning for expats: tools and resources
We offer free resources and tools for anyone moving overseas.
Many expats need to manage different currencies. Our calculator lets you check the latest exchange rates and convert between major currencies, so you can make the most of your money.
For more help managing your finances, check out our financial tools.
How our expatriation services work
We believe expat financial planning should be simple, transparent and supportive. Here’s how our process works:
Initial consultation
We talk about your relocation plans, current situation, and long-term goals.
Review
We do a detailed analysis of your tax position, pensions, investments, estate arrangements, and insurance needs.
Plan
We create a strategy tailored to your country of residence and future goals.
Implement
We help you put your plan in place and offer ongoing support with regular reviews.
Our expatriation services
International tax planning
Cross-border tax liabilities are one of the biggest challenges for expats. We offer expert guidance on international tax rules and strategies to help protect your assets.
Expat financial planning
Explore wealth management and financial planning services designed for expats.
UK pension transfers and reviews
Check that your pension aligns with your retirement goals, and explore your pension transfer options.
UK State Pension review
As an expat, you might have gaps in your National Insurance record that could affect your State Pension. We review your contributions, find any gaps, and suggest ways to boost your UK State Pension.
Estate planning
Get expert advice on wills, Inheritance Tax planning, and ways to protect your assets.
Retirement planning
Whether you choose to retire abroad or return to the UK, planning for retirement helps you create a secure future.
Insurance for expats
Protect what matters most with international life, medical, income, and critical illness insurance.
Financial advice tailored to expats
Moving abroad presents some big challenges; don’t let your finances be one of them.
Discover professional expat financial advice designed to support every step of your journey.
Expatriation FAQs
Moving overseas can make financial planning more complicated. Expat financial advice is designed to help you handle the challenges of living abroad. It can help you manage your taxes, pensions, investments, and long-term finances in different countries.
We recommend getting tax advice. Your tax residency might change, and you could owe taxes in both your home country and your new country. Knowing your tax status and what it means helps you plan and save on taxes.
In most cases, it’s wise to have a separate will because inheritance laws vary by country. A will made in one country might not be valid in another.
Yes, we can help. We review your options and help you decide whether transferring your pension is right for you. If you choose to transfer, we guide you through every step.