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.

Ross Naylor
Ross Naylor - Chartered Financial Planner
British Expats Returning to the UK
Expert Financial Advice for British Expats Returning to the UK
Expert Financial Advice for British Expats Returning to the UK

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.

Real people, real results

Ross Naylor
Ross Naylor - Chartered Financial Planner
Expert Financial Advice for British Expats Returning to the UK
Expert Financial Advice for British Expats Returning to the UK

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.

📥 Download Now

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.

Ross Naylor
Expert Financial Advice for British Expats Returning to the UK

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.

📥 Download the Checklist

The information in this material is intended for the recipient’s background information and use only. It is provided in good faith and without any warranty or, representation as to accuracy or completeness. Information and opinions presented in this material have been obtained or derived from sources believed by AES to be reliable and AES has reasonable grounds to believe that all factual information herein is true as at the date of issue. It does not constitute investment advice, recommendation, or an offer of any services or products for sale and is not intended to provide a sufficient basis on which to make an investment decision. It is the responsibility of any persons wishing to make a purchase to inform themselves of and observe all applicable laws and regulations. Unauthorised reproduction or transmitting of this material is strictly prohibited. AES accepts no responsibility for loss arising from the use of the information contained herein.

 

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RISKS

Investments involve risks. The investment return and principal value of an investment may fluctuate so that an investment, when redeemed, may be worth more or less than the capital invested. Past performance is not a guarantee of future results. There is no guarantee strategies will be successful.

 

Ross Naylor © 2025. All rights reserved.

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