About Ross Naylor
Clear financial advice for life across borders
Planning your finances is complicated enough.
Doing it across borders, different tax systems, pension rules, currencies, and legal frameworks, can quickly become overwhelming.
I work with people whose lives and finances don’t fit neatly into one country:
✔️ Long-term expats.
✔️ Returning expats.
✔️ Mixed-nationality couples.
✔️ People planning retirement overseas and trying to make the right long-term decisions, not just the easiest ones today.
My name is Ross Naylor, and I’m a UK Chartered Financial Planner specialising in cross-border and expat financial advice.
A wee bit about me
Originally from Edinburgh, I’ve lived in Poland for the last 25 years.
I’ve built my life, raised a family, and managed my own finances internationally, dealing with many of the same challenges that you face: different tax regimes, overseas pensions, currency risk, and the uncertainty that comes with living between countries.
That experience shapes how I advise.
I don’t look at expat finances as a theoretical exercise.
I understand the practical, emotional, and long-term realities — because I live them too.
Why I specialise in expat and cross-border advice
Over the years, I’ve seen far too many people make costly decisions because they received well-intentioned but incomplete advice.
Advice that:
- Didn’t consider future country moves
- Ignored cross-border tax consequences
- Focused on products rather than long-term planning
- Treated expat issues as “edge cases”
Retirement planning across borders isn’t something you can dabble in.
It requires joined-up thinking across pensions, tax, investments, estate planning, and future lifestyle decisions — often over decades, not years.
That’s why I chose to specialise.
Who I work with
I typically work with:
- UK expats approaching retirement
- British expats planning to retire overseas
- People returning to the UK after many years abroad
- Mixed-nationality couples with assets in more than one country
People contact me because they want clarity, confidence, and a clear plan before making irreversible decisions.
If your situation is straightforward and entirely UK-based, I’m probably not the right adviser for you.
If your life and finances cross borders, you’re exactly who I work with.
How my advice is different
I don’t sell products for the sake of it.
I don’t believe in quick fixes.
And I don’t try to squeeze complex lives into simple templates.
My approach is:
- Planning-led, not product-led
- Focused on long-term outcomes, not short-term wins
- Explained in plain English, not jargon
- Built around real lives, real families, and real futures
I work with a limited number of clients so I can go deep, stay involved, and adapt plans as life changes — because it always does.
Experience and credentials
I’m a UK Chartered Financial Planner, the highest level of financial planning qualification in the UK, with three decades of experience advising clients.
My work focuses on:
- Cross-border retirement planning
- UK and international pensions
- Tax-efficient investment strategies for expats
- Estate and inheritance planning across jurisdictions
Credentials matter — but they’re only useful if they’re applied thoughtfully, ethically, and in your best interests.
What you can expect
Clients often tell me they value:
- Feeling listened to
- Finally understanding their options clearly
- Having a long-term plan they can trust
- Knowing someone is keeping an eye on the bigger picture
My role isn’t to tell you what to do.
It’s to help you make informed, confident decisions about your future.
Thinking about the next step?
If your finances span more than one country and you’re unsure how today’s decisions affect tomorrow, you don’t have to figure it out alone.
You’re very welcome to get in touch and explore whether working together makes sense.
