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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

Timely, professional and humane, from the emails to the phone call, could tell the organization runs on empathy and really has a heart to help people

Cynthia K. United Kingdom, Investments

I found the expert I was looking for and received excellent service.

Patrick N. United States, Investment Advice

Knowledgeable in all the areas I had questions on, spent the time to go through all my questions which gave me a lot to think about and what options I should consider. Followed up with email outlining what we had discussed. Very professional.

Belinda B. United States, Investment Advice

Experts for Expats has been featured in...

BBC Breakfast - Expats in Cyprus having issues with UK bank accounts - click to see article
The Observer - How to relocate overseas - click to see article
Saga - Want to retire in the EU? What could the future hold for you? - click to see article
We Checked And, Yes, Harry And Meghan Will Have To Pay Tax - We Checked And, Yes, Harry And Meghan Will Have To Pay Tax - click to see article
The Times - Thousands of retiring Britons vote for Brexodus - click to see article
The Guardian - The older expats facing poverty – thanks to Brexit and frozen pensions - click to see article

What expats say about our experts

To be honest the service has been exceptional and the Experts for Expats partners have been very good in their response and help so far. I’d definitely recommend your web service.

Michael M.

UK Tax Return introduction in United Kingdom

The service was excellent. The work I needed done was complicated and beyond me. It was completed over the weekend before Christmas, and I received the first rebate from HMRC on Jan 2nd. I cannot recommend the consultant too highly!

Peter B.

UK Tax Return introduction in Spain

I was extremely dubious and cautious going into this process. I have two pension pots in the UK that l have been trying to consolidate and rebalance for over a year with nothing but stalling and red tape from the two companies in the UK.

In desperation l followed up a lead from Google. I am glad l did. I will now be able to manage MY money from the US with an engaged and informative partner, instead of dealing with people who have zero interest in growing my accounts.

It’s a big relief and l look forward to developing this relationship wrt the rest of my retirement planning as part of my portfolio. Thanks so much for your help and referral. This is a legitimate organization with the expertise and support expats need.

Joanne E.

Pensions introduction in United States

Experts for Expats were quick to answer my response professionally. Their expert was very knowledgeable.

Alun B.

Capital Gains Tax introduction in Canada

So good to talk to someone with professional experience of expat issues without having to shop around to find someone first.

Gillian B.

Wills introduction in Germany

The expert provided was highly professional, gave useful information and advice and provided me with a recommendation of a firm to deal with the nitty-gritty.

Matt K.

Pensions introduction in Portugal

It was a fast and efficient service and put me in touch with a professional who was able to give the advice I was looking for.

Connor P.

UK CGT introduction in United States

Very impressed with the speed of both Robert and the consultant I was connected to. The consultant definitely had good knowledge of the space and was very professional.

Andrew B.

Double tax relief introduction in United Kingdom