Living Abroad? Find the Right Wealth Manager

Get matched with wealth managers experienced in supporting UK expats and international clients with complex financial needs.

Frequently Asked Questions

Speak to our team to discuss your circumstances and get help navigating your wealth.

Can a UK wealth manager advise me if I live abroad?

UK wealth managers may be able to support expats and international clients with UK-based assets and wider financial planning, depending on where you live and the firm’s regulatory permissions. Specialist advice can be particularly important where your finances span more than one country.

What financial planning should I consider before moving abroad?

It can be beneficial to take advice before leaving the UK so you have time to consider how your investments, pensions, assets and wider wealth should be structured. Planning early can also help you understand how becoming an expat may affect your longer-term financial arrangements.

Can a wealth manager help if I am planning to return to the UK?

Yes. Returning to the UK with significant assets can create complex financial planning considerations, particularly around pensions, investments and tax. A wealth manager experienced with expats and international clients can help you consider how your overseas and UK financial arrangements fit together.

Can international clients use a UK wealth manager?

International clients with UK financial interests may benefit from specialist UK wealth management, including those with investments, businesses, property or family interests in the UK. The appropriate firm will depend on your country of residence, circumstances and the type of advice or investment management you require.

Earning abroad?

Working abroad is a great career and lifestyle move, but it is vital to take professional financial advice to ensure you make the most of the opportunity to maximise your wealth.

Ideally, you should take advice well before you leave. As with all elements of managing wealth, the more lead time you give yourself, the more strategic you can get. How you structure and invest your money is of the utmost importance.

As an expat you will hopefully have the chance to benefit from far higher wages and far lower taxes, and will therefore be looking for opportunities to really make that money work. Here, sound advice on which investments to get into – and which to avoid – is invaluable, as is guidance on the safest, most tax-efficient ways to hold your wealth.

Pensions and tax mitigation can get really complex for those planning a return to the UK with significant assets, making expert guidance from a reputable adviser a must. Selecting investments suitable for your profile and executing transfers for QROPs (Qualifying Recognised Overseas Pension Schemes) can be particular minefields for the unwary, and pension rules in the UK have shifted significantly in recent years too.

Wherever you are on your overseas adventure, a wealth manager will be able to help accelerate you towards reaching your goals.

Moving money into the UK?

High Net Worth Individuals from right around the world use our service to find expert wealth management advice here in the UK. Many of these are taking advantage of investor visas, and so need specialist assistance on investment management, wealth structuring and tax matters. Others are establishing or maintaining a “wealth presence” in the UK through a business, a second home or because of family interests, such as a child coming to study here.

Their high-touch service ethos and broad offerings mean that leading wealth managers really come into their own here. Far beyond investment, tax and structuring advice, the best firms act as a concierge, finding the best wealth solutions for every element of your plans. High-value mortgages are just one of the high-value credit facilities wealth managers and private banks are able to extend. Many people have very significant investment portfolios they would rather not liquidate, or much of their wealth held otherwise in illiquid assets. Lombard lending is an option that many affluent individuals from overseas could be eligible for.

Protecting your capital, growing it as much as possible and then minimising the tax exposure this generates are the three key pillars of wealth management, and international investors need to take a view that is both global and highly aware of local nuances. A good wealth management adviser will implement a strategy addressing all three areas all of the time – whatever stage of your wealth journey you are in, and wherever in the world your financial affairs are.

What to do now?

Speak to us

Looking for some impartial insight in to your situation? We’re wealth management experts who have seen it all.
Book a no-nonsense, no cost, conversation with us.