British expats
You may earn, save and invest outside the UK while still having UK pensions, property, beneficiaries or a possible future return home.
A whole financial life, in context.
For people building a life abroad while keeping financial and family connections with the UK.
Financial life today
- Local earnings and day-to-day spending abroad.
- UK property, pensions, bank or investment accounts alongside international assets.
- Education, protection and retirement goals that may be funded in different currencies.
- A possible return to the UK, with dates and circumstances still uncertain.
Start with the decisions behind the accounts.
Start with your whole financial life: current spending, family priorities, accessible reserves and the assets intended to fund future goals. Then review residence, ownership and the treatment of individual arrangements.
Follow the question that matters now.
Your retirement, wherever it happens
Compare lifestyle budgets before committing to one location or currency.
The family plan
Connect children’s costs and household dependencies with existing resources.
Investments and a possible return
Separate the portfolio from the account holding it; review access, costs and country restrictions.
Ownership and succession
Put wills, beneficiaries and estate liquidity alongside the UK inheritance questions.
UK inheritance planning
More than tax
Review what you own, what needs attention and why an early review matters.
Questions to ask: What do I own? Who should inherit? Is the plan current? Does my family know?
Nationality alone does not determine tax or legal treatment. Residence, ownership and the countries involved matter. Jurisdiction-specific sources and dates are recorded in the linked guides.