Thinking about moving back to the UK after years abroad?
I help British expats like you return home 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.
Why returning expats need specialist financial advice
Returning to the UK isn’t just about relocation, it’s a financial reset.
You may be wondering:
- How will the UK tax system treat my overseas assets?
- What should I do with my pensions, QROPS, or offshore investments?
- Should I move money back before or after I return?
- Will I become UK-domiciled again, and what does that mean for inheritance tax?
- How do I avoid triggering unnecessary tax charges?
If this sounds familiar, you’re not alone.
Thousands of British expats return every year, and many of them pay way too much in unnecessary tax or miss vital planning opportunities.





Introducing The Return Ready Roadmap™
A step-by-step financial journey designed for British expats preparing to return to the UK. This isn’t just a report. It’s a tailored experience, a structured process with personal guidance at every step. What’s included:✔Personalised Return Strategy
- Residency and domicile review
- Tax timing analysis
- Property and asset planning
✔Pension & Investment Planning
- SIPP, QROPS and overseas pension options
- Offshore bond and investment structuring
- Repatriation strategy for funds
✔Estate & Inheritance Planning
- Cross-border estate planning
- IHT mitigation and gifting
- Will and beneficiary alignment
✔Transition Support
- Currency transfers and banking
- UK re-entry admin guidance
- Post-move check-in and ongoing advice options
Who is it for?
The Return Ready Roadmap™ is designed for:- British expats who have been overseas for 10+ years
- People planning to return within the next 6–24 months
- Individuals or couples with £500k–£3m in pensions and investments
- Those who want to avoid financial stress and move home well-prepared
👉 Schedule A Free Call To Find Out More
About Me
I’m Ross Naylor, a UK Chartered Financial Planner with 29 years of experience, and a specialist in cross-border retirement and estate planning.
I’ve lived outside the UK for 24 years myself and understand the emotional and financial complexities of international financial planning.
I created the Return Ready Roadmap™ to give expats like you the expert guidance, clarity, and peace of mind you need to move back to the UK without financial uncertainty.




Start your Homecoming Journey
Book a free 20-minute Discovery Call to explore how I can help you:
✔ Save thousands in avoidable tax
✔ Structure your assets for UK tax efficiency
✔ Protect your family’s long-term wealth
👉 Schedule Your Free Call
Bonus: Get Your Free Checklist
Planning Your Return to the UK?Download The Returning Expat Financial Checklist to see exactly what to prepare before you move.
FAQs
Q. Do I need to move my money back to the UK before I return?
A. Not necessarily, timing can make a huge tax difference. That’s part of what I help with.
Q. What about domicile status, especially with the April 2025 changes?
A. From April 2025, the UK is scrapping its old “non-dom” tax rules. Instead, tax will be based on where you live, not where you’re “domiciled.” If you haven’t lived in the UK in the past 10 years, you’ll get a four-year window where your foreign income and gains aren’t taxed. After that, everyone living in the UK will pay UK tax on all income and gains worldwide. There are also some one-off tax breaks to help people adjust to the new system.
Q. Can you help if my spouse isn’t a UK citizen?
A. Yes. Many of my clients have mixed-nationality marriages. I’ll help you with the additional complexity that this involves.
Q. What if I don’t know my exact return date yet?
A. That’s fine. We’ll build a flexible plan that lets you take the right steps now, even if your move is a year away.


Ready to come home with financial peace of mind?
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.
👉 Book Your Free Discovery Call
Or download your free checklist below.