When you are working abroad, it is important to remember to plan for your future. While you may be focused on your career and enjoying your new life, it is essential to think about what will happen down the road. Will you stay in the country indefinitely? Do you want to eventually return home?...

Are you a UK national living in an EU country such as France, Spain, Portugal, Cyprus or Malta? Or are you currently UK resident but planning to move to one of these countries in the next year or so? If the answer to either of these is yes, you should read this article from...

Many Britons have been putting their retirement plans to sunny southern Europe on hold for two or more years while the UK extracts itself from the EU.  Covid lockdowns mean the opportunities to sell a UK home and buy a property in Europe have been limited.  The ending of travel restrictions will release pent-up...

Whether you’ve already moved to Spain, or you plan to retire there, it is important to have a good understanding of your pension portfolio. It is likely that your UK pensions are the major contributor for your income in retirement. Therefore, it is important to have a good understanding to ensure they last as...

One of the most unpredictable outcomes of Brexit is the state of expat pensions.  How is Brexit going to impact expat pensions in 2021? How Brexit Might Impact Expat Pensions One of the biggest issues facing the state of pensions belonging to UK expats is the degree of uncertainty...

Brexit has meant many UK citizens living in the EU have seen the forced closure of their UK bank accounts. But this is likely to be just the beginning – EU pensions and investments could be next.   Financial services – 6.9% of the UK economy in 2019, do not form...

Brexit has meant many UK citizens living in the EU have seen the forced closure of their UK bank accounts. But this is likely to be just the beginning – expat pensions and investments could be next.   Financial services – 6.9% of the UK economy in 2019, do not form...

The UK has left the EU and as there has not been an agreement on services the UK is no longer subject to EU financial regulation and as  this has had an impact on British residents living in the EU.  In this article from Blevins Franks they look at the implications for British citizens who...

Over the last 14 years we have seen many reforms in the pensions industry some for better, some for worse. One thing that does stand out is the human nature of wanting something we cannot have which exists in our everyday lives. Making difficult decisions in a timely manner has always been uneasy for us...

As an expat you are often in your best-earning years while overseas, so you need to make sure you are saving and investing tax-efficiently and getting good advice from people who understand your residence and tax situation.  Here are some issues to consider. Residence Residence is a key issue when determining whether you are...

Expats generally have the right to transfer their pension abroad into a qualifying scheme.  For some, the benefits of doing so are manifold.  However, there are risks, and it’s fair to say that you need to tread very carefully when considering all your options, as a significant tax charge can apply in certain circumstances. Written...

According to an analysis conducted by financial advisory consultancy, Hoxton Capital Management, the average pension pot of over-65 Britons living abroad has reached £210,000. In volatile years, they report, currency market fluctuations removed as much as 20% from British pensioners’ spending power. Based on the amount of British citizens aged 65 and over living in...