International Financial Planning
Financial Planning Guides
670 in-depth guides covering all aspects of international financial planning for UK expats and globally mobile investors — from tax and estate planning to offshore investment structures and currency strategy.
Employment, Career & Life Events
Redundancy, parental leave, equity compensation, social security totalisation and expat mortgages.
Redundancy and Career Transition: A Financial Planning Guide
How to manage the financial dimensions of redundancy: the £30,000 exemption, pension planning with your settlement, managing a career gap, and making the most of your departure package.
Read guide →Share Options and Equity Compensation for Internationally Mobile Employees
How share options and equity compensation are taxed when employees work across multiple jurisdictions — apportionment, treaty relief, social security, and practical planning for internationally mobile professionals.
Read guide →Social Security and National Insurance for Internationally Mobile Workers
Managing social security and National Insurance contributions across borders is complex and frequently overlooked in international tax planning. This guide explains the key rules and strategies for internationally mobile professionals.
Read guide →Tax Planning to Do Before Leaving the UK
The tax year in which you leave the UK — and ideally the year before — is a critical planning window. Several reliefs and allowances are available only to UK residents; once you become non-resident, opportunities are permanently closed. This guide covers what to do before you go.
Read guide →Totalization Agreements: Avoiding Double Social Security Contributions
Totalization agreements prevent internationally mobile workers from paying social security contributions in two countries simultaneously. This guide explains how they work, which countries have them, and how to obtain certification.
Read guide →Education & Family Planning
School fee planning, university funding, and fee-status rules for expat children.
Financial Planning for Expat Children: Education, Savings, and Long-Term Planning
A guide for internationally mobile families planning for their children's financial future: education costs, university fee status, JISAs, NI numbers, inheritance planning, and pension nominations.
Read guide →International School Fee Planning for Expat Families
For globally mobile families, international school fees are one of the two largest recurring financial commitments of expat life. This guide covers what fees really cost, the hidden extras, currency risk, and how to structure savings so fees are funded as they fall due.
Read guide →School Fees Planning for High-Net-Worth Families: Strategies for 2026 and Beyond
Independent school fees now attract 20% VAT, pushing the total cost of private education to record levels. This guide covers cost projections, the most tax-efficient savings vehicles, and international school options for globally mobile families.
Read guide →University Fee Planning for Globally Mobile Families
For globally mobile families, funding university raises a question most domestic families never face: will your child be charged home or international fees? The difference can be £100,000–£200,000 over a degree. This guide explains the costs, the fee-status rules, and how to plan and fund it.
Read guide →Choosing an Adviser
How to select, evaluate, and work with an international financial adviser.
Fiduciary Duty and Independent Financial Advice Explained
The concept of fiduciary duty is central to good financial advice — understanding it helps you demand the right standard of care from anyone advising on your finances.
Read guide →How to Choose an International Financial Adviser
Choosing the wrong financial adviser as an expat can be costly — here is what to check before appointing anyone to manage your international financial affairs.
Read guide →Investment Adviser Fee Structures Explained
Understanding how your financial adviser charges — and what good value looks like — is essential before appointing anyone to manage your affairs.
Read guide →Wealth Managers vs Robo-Advisers vs DIY: Choosing the Right Approach
The investment advice market has never offered more options — from fully automated robo-advisers at near-zero cost to bespoke discretionary wealth management. Choosing correctly depends on your assets, complexity, and international situation.
Read guide →Country & Jurisdiction Guides
Country-by-country guides to tax rates, residency routes, banking and retirement abroad.
Andorra Residency: Tax Benefits and Financial Planning
A complete guide to Andorra residency for HNW individuals — the tax advantages, the residency application process, passive and active residency categories, and the financial planning considerations for those considering the move.
Read guide →Expat Financial Planning Guide: Austria
Austria combines a high quality of life with a sophisticated tax system. British expats and internationally mobile professionals need careful planning around residency, worldwide income taxation, and cross-border succession.
Read guide →Expat Financial Planning in Australia: A Complete Guide
Australia offers a high standard of living and a robust financial system — but its residency rules, superannuation obligations, foreign property surcharges, and worldwide taxation of residents demand careful advance planning for UK expats.
Read guide →Expat Financial Planning in Canada: A Complete Guide
Canada's world-class quality of life and accessible immigration pathways attract a steady flow of UK nationals — but its 'significant residential ties' residency test, layered federal and provincial tax rates, and distinctive pension and savings vehicles require advance planning.
Read guide →Expat Financial Planning in Cyprus: A Complete Guide
Cyprus combines EU membership with one of Europe's most attractive tax regimes for new residents — including a non-domicile status that can eliminate tax on dividends and interest for up to 17 years.
Read guide →Expat Financial Planning in France: A Complete Guide
France offers a sophisticated financial planning environment for internationally mobile individuals, but its tax system — with multiple residency triggers, social contributions, and forced heirship rules — demands careful planning before you arrive.
Read guide →Expat Financial Planning in Greece: A Complete Guide
Greece's 7% flat-rate tax on foreign income for qualifying new residents makes it one of Europe's most competitive regimes for internationally mobile retirees and investors — combined with a recovering property market and EU citizenship pathway, the appeal is growing rapidly.
Read guide →Expat Financial Planning in Hong Kong: A Complete Guide
Hong Kong's territorial tax system — with no capital gains tax, no inheritance tax, and income tax capped effectively at 15% — makes it one of the world's most tax-efficient jurisdictions for internationally mobile professionals and investors.
Read guide →Expat Financial Planning in Malta: A Complete Guide
Malta combines EU membership, English as an official language, a favourable non-domicile tax regime, and a pathway to EU citizenship — making it one of the most practically accessible relocation destinations in the Mediterranean for HNW individuals.
Read guide →Expat Financial Planning in Portugal: A Complete Guide
Portugal's transition from the Non-Habitual Resident regime to the new IFICI framework from 2024 has changed the landscape for new arrivals, but the country remains an attractive destination for internationally mobile individuals with the right profile and advance planning.
Read guide →Expat Financial Planning in Singapore: A Complete Guide
Singapore's territorial tax system, absence of capital gains and inheritance tax, and position as Asia's premier financial centre make it an exceptional base for internationally mobile high-net-worth individuals — despite one of the world's highest costs of living.
Read guide →Get a free financial planning review
Our independent advisers specialise in expat and internationally mobile clients — investments, tax planning, estate planning, pensions, and offshore structures.
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Our guides provide the framework — but every expat's financial position is different. Book a free review with one of our international financial planners to get advice specific to your situation.