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Expat Financial Advisers

Find out how financial advice differs for expats and learn how to choose the best financial adviser for you and request a free consultation

Last updated 29 March 2019 at 19:23

Expat financial advice is defined as a personal recommendation on financial matters for expats which are provided by a qualified professional, which incorporates a number of personal and economic factors.

Expat financial advice is a slightly more complex area than obtaining financial advice in the UK, primarily due to the regulatory differences. However, it is also more complex due to the wider range of financial products available to expats.

What is a financial adviser?

A financial adviser is a qualified individual who will be able to tell you the right options for you, based on your own unique circumstances. Financial advice differs from guidance or information in that the recommendations presented to you are tailored to meet your needs, rather than just being factual and informative.

Why seek financial advice as an expat?

Some people are able to manage their financial decisions without the involvement of a financial adviser. However, financial decisions carry inherent risks, and the implications for making a poor decision can be massive.

For this reason, the majority of people who have a significant amount of money will opt to use the services of a financial adviser to minimise this risk. However, it is important to remember that no investment is risk free and no financial advice will ever be perfect.

Is expat financial advice regulated?

In the UK, financial advisers are required to be regulated by the FSA to ensure that the risk to the recipient of the financial advice is minimised, offering protection and a central body to turn to register complaints or seek support.

Expat financial advice tends to be offered by financial advisers who operate outside of the UK and therefore do not fall under the remit of the FSA. However, there may be local regulatory bodies in each jurisdiction which can offer some protection for the consumer.

The role of the financial adviser

People will tend to seek expat financial advice when they are looking to increase the income they receive from their assets, either in the short term, or the long term (such as in retirement).

Financial advisers are able to help expats plan and manage your finances to restructure your investments and savings, enabling you to maximise your return on investment as well as minimise any tax which may be due as a result.

Testimonials from people who have used our specialist IFA introduction service

I learned a lot from the consultant, including very simple things like what inflation is! He explained things very clearly and did not mind explaining simple things. I feel very well informed about all my options after talking to him. Thank you

Rosanna K. United States, Investment Advice

A quick response and very happy with the consultant that was recommended

Jill P. United Arab Emirates, Investment Advice

I've been impressed by all aspects of my dealings to date. The clarity of the information given, the job knowledge of the consultant and the lack of pressure for me to sign up to anything have been what I am especially satisified with.

Timothy S. United Arab Emirates, Investment advice

Experts for Expats has been featured in...

The Guardian - The older expats facing poverty – thanks to Brexit and frozen pensions - click to see article
The Times - Thousands of retiring Britons vote for Brexodus - click to see article
The Observer - How to relocate overseas - click to see article
BBC Breakfast - Expats in Cyprus having issues with UK bank accounts - click to see article
MailOnline - A third of British expats would like to move back to the UK and 40% admit they are homesick... but they will stay abroad for a better quality of life - click to see article
Saga - Want to retire in the EU? What could the future hold for you? - click to see article

What expats say about our experts

I've been impressed by all aspects of my dealings to date. The clarity of the information given, the job knowledge of the consultant and the lack of pressure for me to sign up to anything have been what I am especially satisified with.

Timothy S.

Investment advice introduction in United Arab Emirates

Although my personal situation and circumstances are a bit complicated Alan was very professional and took the time to understand the various issues and concerns. He's come back with some things for me to consider after which I'll make some decisions about how to proceed.

Gordon. H

Pensions, SIPP introduction in Canada

Very impressed by speed of response and the quality of the advice given. I will use the consultant's services in the future without a doubt.

Ian W.

Statutory Residence Test introduction in Spain

I appreciated the whole Introductory process. It was fast, efficient (lots of feedback) and professional. My query was answered by the recommended company within the 15 minute time frame. I have kept the accountant's name and contact details on record for future reference. This was a great way to locate a professional from a long way away. I am sure I will use the company again in the future.

Gail B.

UK Capital Gains Tax introduction in South Africa

I found the session with the consultant to be very helpful in that it helped allay any concerns I had around my choice to manage my pension post-Brexit. I really valued the opportunity to be able to discuss what I was planning with an someone who could give an independent perspective.

Carl P.

Pensions and Brexit introduction in Spain

Very good advice, very professional and knew the subject matter in depth.

Ian M.

Pensions introduction in United States

I would just like to thank you very much for putting me in touch with a specialist in your network. He was an enormous help to me and seemed to have a good understanding of my situation and was able to address my questions very adeptly and very quickly. I spoke with him last week and it was really helpful, as was his follow-up email.

Patricia M.

Split year treatment, UK tax return introduction in Switzerland

I don't normally recommend financial providers to anyone as it is so personal but if someone asked specifically for advice for Expats I would suggest they tried your website.

Liz S.

Investment Advice introduction in United Kingdom