
GIVING YOU
clarity, confidence and control
MY SERVICES

Expat Pension Advice
Independent pension advice for British expats in or approaching retirement. Get clear on your where you stand – because your location shouldn’t limit your retirement options.

Returning to the UK
If you’re thinking about returning to the UK, now is the time to plan. The right decisions today can save you thousands in tax and make the entire process easier.

Cross-Border Financial Advice
Managing finances across more than one jurisdiction is often complicated. My Cross-Border Financial Advice service aims to help you reduce complexity, as well as minimising taxes and improving your returns.

Retiring Abroad
Leaving the UK isn’t just about relocation, it’s a financial reset. I can help you retire overseas with confidence, clarity, and a personalised financial plan, so you can protect your wealth, avoid costly tax mistakes, and enjoy your next chapter stress-free.
Real People with Real Results
Malcolm Ridge
I’ve been connected to Ross for nearly 10 years now. We connected when I first moved to Poland but it was not until I returned to the UK some 5 years later that we engaged on Financial Planning. It was important for me to choose a Financial Advisor based on:
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Someone I knew and could trust
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Someone who understood both UK and EU financial environments
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Someone who was partnered to a reputable parent company
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Someone who demonstrated their knowledge through their published works
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Someone who had a network of contacts for my country specific requirements
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Someone who listens, responds and is personable
Taxation, pensions, inheritance, capital gains and investing are areas that need qualified and expert advice. I would certainly be lost without him. If you are an expat looking for sound financial advice, then you would do well to reach out to Ross.
Dave Harrington
I was introduced to Ross through a colleague within P&G, 10 years ago, when I was working in Warsaw, Poland.
At the time I didn’t feel I was in a position to take advantage of Ross’s advice as I had a young family and living abroad wanted, to keep money more available.
However, Ross stayed in touch and after I moved to Romania and I found myself in a better position to be able to invest for the future of the family, Ross was able to provide very simple an logical perspective and advice that I was very happy to adopt.
I have consistently gone back to Ross to seek advice as my situation has again changed in recent years with aging parents needing support back home, and I have also talked about and recommended Ross to several expat colleagues inside and outside of P&G.
Ross is a great sounding board and very comfortable providing advice to those already with some knowledge of investing and those who are just starting out.
Patrick Ney
I have consulted several times with Ross on tax, finance and investment decisions and he has been fantastic to work with.
He is thorough, he always goes the extra mile and he is a very nice person to boot.
I definitely recommend working with him.
Ken Kaleta-Williams
Since I started using Ross Naylor as my financial advisor he has reduced my pension costs and significantly improved its performance.
He is also widely knowledgeable across many financial areas (particularly for ex-pats) through his own network of specialist contacts and advisors.
He is easily contactable and always happy to help. Definitely recommended.
Chris Barnard
I connected with Ross via LinkedIn earlier this year, before my repatriation from Asia to the UK.
He has an excellent understanding of financial planning for repatriation and retirement and has provided invaluable professional advice regarding offshore investments, pensions, taxation and inheritance.
He is very easy to talk to, not pushy at all, provides solid advice, and proposes tailored products only after fully understanding short and long-term plans and investment needs. I have no hesitation recommending him to anyone looking for a sound Financial Advisor.
Chloé Marchand
From our first meeting in November 2013, Ross struck me as a great listener and observer, as well as a professional financial adviser who asks the right questions in order to mutually define financial targets and investment plans.
He is both very knowledgeable on the technical side of financial investments and has great inter-personal skills.
Each meeting consists in a pleasant and relevant interaction that is well followed up on and brings value to my family’s financial situation.
Alan Davies
In looking for a financial advisor, key to me was to be able to feel that the person the other side of the table was trustworthy and would place my interests at the centre of advice.
Ross gave me this feeling the first time we met and the cooperation since then has shown that it is really the case, with excellent support provided throughout the process he has been engaged in.
Neal Mellor
Ross has provided me with an excellent service since I joined.
He is extremely knowledgeable across a lot of financial aspects, providing unbiased advice to help you make informative decisions.
I really appreciate his understanding of the current changes to the tax system and his regular advice sheets.
Peter Baverstock
Ross was incredibly helpful when I relocated from the UK to Poland. Having made the same move himself, he really understands the practical and financial challenges involved, which made a big difference.
He took the time to listen to what I needed and came back with clear, well-considered recommendations that I’m very happy with.
I’d highly recommend Ross to anyone navigating a similar move or looking for reliable financial advice.
Stefan Rasche
I have known Ross for over 10 years now when I still worked in Warsaw.
Since I have moved via Prague to Brussels – but have not changed my financial advisor.
Why should I? Ross is highly competent, reliable, has a good understanding of an expat’s needs and always comes up with good solutions.
Highly recommended.
Rob Taylor
I first met Ross a couple of years ago when financially I was in a bit of a mess.
Initially and then throughout the process Ross has helped me pick a way through multi-jurisdictional, financial, legal, tax and inheritance issues.
He has done this in a totally independent manner and when he came across areas he did not know he found out and got other experts involved.
I continue to work and invest via Ross and would recommend him to anyone for a truly independent and impartial view on what your options are.
Ian Scattergood
There is no shortage of people offering financial advice to Brits living overseas and it is, unfortunately, extremely hard to sort the wheat from the chaff. I did a fair bit of due-diligence before finally deciding to put my trust in Ross and I have not been disappointed.
In the shark-infested waters of financial advising, Ross stands out as a trustworthy and decent man providing good, honest, advice. He also provides a great check and balance for your own, often impulsive, decisions to either “Bet it all on red!” or “Bury it in a box in the garden”.
He is a true professional who has provided valuable advice and has delivered on everything he said he would and I have no hesitation in recommending him to others.
Peter Maitland
As a long term expat, I have relied on Ross for his knowledge, professionalism and helpful advice on pensions and related matters over many years.
He really is a trusted advisor who is available and on the ground as a fellow expat.
I would not hesitate to recommend Ross to others looking to avoid the “hard sell” commercial approach which one often finds in this area.
Paul Martingell MBA, FCA
In just one year Ross has helped me enormously, firstly and most importantly to better understand my financial position, rather than putting it off, to look at where I want to get to and start making some simple changes in order to achieve this.
His easy going nature and approach make it very easy to talk to him and the clarity and expert nature of his advice has been much appreciated.
I genuinely feel relieved to understand my situation and empowered to start making smart choices. I would not hesitate in recommending Ross.
Richard Girling PhD
Ross gave me good, honest advice—even if it meant that he himself would not profit. He is definitely one of the good guys!
WHY WORK WITH ME?
Specialist
A lot of financial advisers try to be all things to all people – I don’t. I specialise in cross-border financial planning for expats who are approaching retirement.
Qualified
I am qualified in both the UK (Chartered Financial Planner® and Pension Transfer Specialist®) and EU (European Financial Planner®).
Experienced
I have been advising UK expats for 25 years. I understand the pitfalls and the opportunities that you face.
Clear and fair fees
I work on a “fee-only” basis. This means that I don’t sell products for a commission and don’t receive any form of compensation from anyone other than you.
I work virtually
Thanks to my use of best-in-class systems and software, I am able to provide a full suite of services irrespective of where in the world you are located. I provide financial advice to British expats wherever you are based.
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