hello@rossnaylor.com

What Happens to My UK State Pension if I Retire Abroad?

If you are planning to retire overseas, you are probably also wondering what will happen to your UK State Pension.  The good news is that you can still receive your UK State Pension even if you live outside the UK.  However, there are a few important details you will need to know to make the most of your retirement income. Here’s everything you need to know about how your UK State Pension works if you retire abroad. …

Read more

Top 10 Mistakes British Expats Make with Their Finances

Expat money mistakes Moving abroad as a British expat can be a life-changing adventure, but it also comes with unique financial challenges. Many make costly mistakes that could have been avoided with proper planning and advice. Here are the top 10 financial mistakes British expats often make — and how to avoid them. 1. Failing to Plan for Currency Exchange Risks When you’re earning in one currency and spending in another, exchange rate fluctuations can have a significant…

Read more

What Is Specialist Expat Financial Advice and Why Do You Need It?

Specialist Expat Financial Advice Living abroad can be an exciting adventure.  But when it comes to managing your finances as an expat, things can quickly become complex.  Different tax rules, exchange rates, and regulations can make it difficult to know if you’re making the right financial decisions.  For instance, expats often face challenges like double taxation, where the same income is taxed in both the UK and their country of residence, or currency loss due to unfavourable exchange rate…

Read more

Expat Financial Advice in 2025: 10 Essential Tips for the New Year

The start of a new year is the perfect time to take stock of your financial goals and set yourself up for success in 2025.  Whether you’re already living overseas or planning your move, these resolutions are tailored to UK expats looking to make the most of their finances.  By following these steps, you can not only safeguard your wealth but also enjoy peace of mind knowing your finances are on the right track.  1. Review Your Pension…

Read more

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.

 

‘AES’ refers to the AES Group’s separate but affiliated entities generally, rather than to one particular entity. These entities are AES Middle East Insurance Broker LLC registered with the UAE Ministry of Economy, United Arab Emirates, Licence no. 571368, and Commercial Registration no. 75162 and regulated by the UAE Central Bank license no. 189; AES Financial Services Limited, incorporated and registered in England and Wales with company number 06063185, authorised and regulated by the UK Financial Conduct Authority FRN: 464494; AES Financial Services (DIFC) Ltd, registered in the Dubai Financial Centre (DIFC) as a foreign company, license no.2128, and regulated by the Dubai Financial Services Authority (DFSA) Reference No F003476; AES International Limited, a private company incorporated and registered in the British Virgin Islands with company number 1839872; AES International Global Limited, a private company incorporated and registered in the British Virgin Islands with company number 1887885. Please visit our authorisations page for further information on regulation, redress and accessibility.

 

If you are outside the UK and we advise you or carry out other business, nearly all the rules, regulations and arrangements made under the UK regulatory regime (including the rules made by the FCA and the dispute resolution process provided by the UK Financial Ombudsman Service) will not apply to most aspects of the service you receive, such advice or business being provided from outside the UK. You should therefore clearly understand such rights and protection as are afforded in the jurisdiction where you receive advice. Local law, regulation and redress processes will apply in almost all cases, and will be different from that of the UK.

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.

WhatsApp Me
Scan the code