International

You left the UK years ago. Your life is now somewhere else: a flat in Lisbon, a house outside Cape Town, a posting in Dubai. But part of your financial story stayed behind. A workplace pension. An ISA you can no longer feed. Maybe a rental property back home. And here is the uncomfortable truth…

You left the UK years ago, but the UK never quite left you. There is still a pension sitting with a former employer, an ISA you can no longer feed but cannot bring yourself to close, perhaps a flat let out back home. And now you have built a life somewhere else entirely, in Spain,…

You left the UK years ago. The career, the family, the home, all of it is somewhere else now. But the UK has a long memory, and so does its tax system. When the time comes to pass wealth to the next generation, a UK financial footprint that has sat quietly in the background for…

You left the UK years ago. The career took you to Sydney, Cape Town, Dubai, Toronto, or somewhere along the Costa del Sol. But the UK side of your financial life did not pack its bags and follow you out the door. Your National Insurance record, the workplace pension you paid into for a decade,…

You left the UK with a financial life already half-built. A National Insurance record, perhaps a workplace pension or two, an ISA you topped up religiously, maybe a flat you now rent out. None of that disappeared when your plane took off. It just got more complicated, because now two sets of rules apply to…

Expat personal financial planning for individuals sits at the intersection of two (sometimes three) tax systems, two currencies, and two sets of rules about pensions, investments, and estates. If you built part of your financial life in the UK and now live and work somewhere else, your situation is genuinely different from a domestic client,…

Key Takeaways Here’s something that doesn’t get said often enough in the expat financial world: the product you were sold may not be what’s best for you. That’s not a comfortable sentence, but it’s an honest one. For decades, offshore bonds were the go-to investment structure recommended to British expats. Move abroad, get approached by…

Working with International Client Investors Offshore Investing has plenty of pitfalls.  Advising and servicing international expatriate clients overseas, some of whom might be based in ‘far flung’ jurisdictions, can often prove quite a precarious task. These clients often reside in jurisdictions where there is little or no local financial services regulation or, indeed, trustworthy advisors…