Expat life brings freedom – and financial complexity. This guide explains the “known knowns” and “unknown unknowns” of cross-border money management, helping British expats plan confidently and avoid costly surprises.
Many British expats assume that moving abroad takes their assets beyond HMRC’s reach — but that isn’t always the case. This guide explains what counts as UK situs assets, why they remain subject to UK Inheritance Tax, and how upcoming 2025 rule changes could affect your estate if you still hold property, shares, or investments in the UK.
Thinking about working with AES International? In this honest review, Chartered Financial Planner Ross Naylor shares his insights from more than 16 years with the firm. He explains how AES operates, what clients can expect, and why its evidence-based, cross-border approach to financial advice has earned such a strong reputation among British expats worldwide.
For more than 16 years, Chartered Financial Planner Ross Naylor has worked with AES International, helping British expats make smarter cross-border financial decisions. In this article, Ross shares his personal experience inside the firm — what makes AES different, how their client-first approach works in practice, and why long-term relationships are at the heart of great financial advice.
AES International is a global financial advice firm specialising in helping British expats manage their wealth across borders. In this article, Chartered Financial Planner Ross Naylor explains how AES’s unique approach — combining international expertise with transparent, client-focused advice — helps expatriates protect, grow, and structure their finances more effectively wherever life takes them.
When retiring abroad, understanding the impact of the UK’s frozen state pension policy is crucial. Over half a million retirees face financial challenges as their pensions remain stagnant in certain countries. This article explores how the frozen state pension affects expat state pensions abroad, providing insight into which countries are impacted and offering advice on how to navigate this issue.
Understanding the Expat State Pension is crucial for British expats who are living abroad. As a British expat, it’s important to know how the UK state pension works and how it affects your retirement planning, ensuring you receive the full benefits you’re entitled to.
Pension Awareness Week UK 2025 is a timely reminder for expats to review their retirement plans. With the State Pension age rising, inheritance rules changing from 2027, and overseas tax traps on “tax-free” lump sums, expats face extra complexity. From voluntary NI contributions to understanding cross-border tax, early planning can protect your income and legacy.
Retire to Spain from UK Spain has long been one of the most popular retirement destinations for UK citizens – and for good reason. Sunshine, great food, a relaxed pace of life, and lower living costs continue to draw retirees southwards. But retiring abroad isn’t just about finding a nice view. There are important financial, legal, and lifestyle decisions to consider. This guide will walk you through everything you need to know if you’re planning to retire to Spain from…
Retiring Abroad from the UK Thinking about retiring abroad from the UK? You’re in good company. According to the UK’s Department for Work and Pensions, over 1.2 million UK pensioners currently live overseas. Spain, France, Portugal, Greece, and Poland are among the most popular destinations, each offering its own lifestyle, healthcare system, tax regime, and cost of living. But while the dream of warm sunshine and lower living costs is appealing, retiring abroad is a complex decision. Pensions, taxation, property…
Significant changes to UK pension inheritance tax rules are set to take effect from April 2027, and British expats could be among the hardest hit. If you’re living abroad with plans to retire back in the UK, this comprehensive guide explains what’s changing, who’s most at risk, and the steps you can take now to reduce future tax exposure and protect your family’s financial legacy.
Have you planned thoroughly for your return to the UK? Are you confident that you have your financial ducks in a row? Perhaps it’s time to take a closer look at your arrangements and make some adjustments?
Thinking about investing as an expat and wondering what an offshore bond is? Offshore bonds are popular with British expats looking for tax-efficient ways to grow and manage their wealth while living abroad. In simple terms, an offshore bond is an investment wrapper based in a low-tax jurisdiction that allows your money to grow free from immediate tax. The benefits of offshore bonds include tax deferral, investment flexibility, and portability across borders—making them especially useful for expats with complex cross-border…
If you’re a Brit planning to return to the UK after years of living abroad, a major tax shake-up is coming your way.
From 6 April 2025, the UK is switching to a residence-based tax system, moving away from centuries of domicile-based rules.
That means your tax status will depend entirely on whether you’re considered a UK resident, not where your parents are from or where your wealth is held.
…
Have you ever stared at your pension statement and thought: “Okay, but what does this actually mean?” Don’t worry. You’re not alone. Every week, I speak with people who feel confused, overwhelmed, or even a bit embarrassed about not understanding their pension paperwork.
Retiring abroad is a big step, and Poland is becoming an increasingly popular choice for British expats. Whether you’re considering retiring to Poland for its lower cost of living, quality healthcare, or cultural appeal, this guide covers everything you need to know. From legal requirements to finances, we’ll help Brits in Poland and those returning to Poland plan their retirement successfully.
Why Are So Many Wealthy Brits Moving to Dubai? (Plus Five Financial Pitfalls to Avoid When Doing So)
Why Are So Many Wealthy Brits Moving to Dubai?
Moving to Dubai In recent years, a noticeable trend has emerged: an increasing number of wealthy British individuals are packing their bags and relocating to Dubai. This shift is not just a fleeting phenomenon but part of a broader movement of high-net-worth individuals seeking new opportunities and lifestyles abroad. But what exactly is driving this exodus? Why are so many wealthy Brits choosing Dubai over more traditional destinations like Spain, France,…
Are you a UK citizen planning on retiring to Greece? If so, you’ve come to the right place! In this comprehensive guide, I will ensure that you have all the information you need to make informed decisions and smoothly transition into your Greek retirement.
Whether you’ve recently become an expat, are in the process of planning to leave the UK, or have been a long term expat and are now preparing to return home, estate planning is essential.
Bad expat financial advice Sven-Göran Eriksson, the renowned football manager who led England from 2001 to 2006, amassed significant wealth throughout his illustrious career. However, a series of poor financial decisions and misplaced trust in the wrong advisers led to the depletion of his fortune, leaving him £3.7 million in debt at the time of his passing in August 2024. Eriksson’s financial downfall is not just a cautionary tale for footballers. It’s a lesson for anyone—especially British expats—who place…
