

YOUR OVERSEAS HOME PARTNER | FINANCIAL ADVICE
Plan your finances for life overseas with confidence.
Moving abroad can affect more than where you live. Your pensions, investments, retirement plans and UK tax position may all need reviewing.
AAF Financial provides independent financial planning and retirement advice, with international and expat planning experience.
Talk through your plans
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PLANNING AHEAD
How AAF Financial can help before you move overseas
An overseas move can be a useful point to review how your finances are structured. Existing pensions, investments and longer-term plans may have been arranged around a very different lifestyle.
AAF Financial starts by looking at your circumstances, priorities and existing financial position. Its advisers can then help you consider how your financial arrangements fit with your future goals and agreed level of risk.
For people leaving the UK, AAF can also connect financial planning with relevant UK tax planning services supplied through its trusted tax partners.
Why choose AAF Financial?
Financial decisions around an international move can involve several parts of your existing arrangements. AAF’s approach is designed to consider them together.
Independent advice
AAF’s advice is independent and whole-of-market, allowing its advisers to consider solutions from across the marketplace.
Personal to your plans
The advice process starts with your needs, circumstances, preferences and objectives before recommendations are considered.
International experience
AAF’s advisory team have backgrounds in international wealth management and expat financial planning.
Regulated financial advice
AAF Financial Limited is authorised and regulated by the Financial Conduct Authority, firm reference 977929.
Financial planning for the life you are preparing for
AAF’s services cover several areas that may become particularly important when you are preparing to move, retire or spend significant time overseas.
FINANCIAL & WEALTH PLANNING
Bring your existing finances into one clear plan
Before making a major lifestyle change, it can help to understand how your pensions, investments and other assets currently fit together.
AAF reviews your financial position before developing a plan aligned with your goals and acceptable level of investment risk. Its approach includes ongoing consideration of asset allocation and diversification.

RETIREMENT & PENSIONS
Plan how your retirement finances fit your move
For many overseas buyers, purchasing property abroad forms part of a wider retirement plan. That makes it important to consider how your pensions and other assets support the lifestyle you are working towards.
AAF provides retirement planning and can help clients understand existing pension arrangements, consider multiple pension pots and assess investment options against their circumstances, objectives and risk profile.
UK TAX CONSIDERATIONS
Consider the UK tax implications of leaving the country
Changing where you live can affect your UK tax position. AAF’s trusted tax partners provide tax reports for people leaving the UK, including consideration of residence issues and relevant planning opportunities.
Their wider tax services include areas such as income tax, capital gains tax, inheritance tax, pension tax planning, foreign tax credit relief and double taxation agreements where appropriate to the client’s circumstances.
Tax services referenced in this section are provided through AAF Financial’s trusted tax partners. Individual tax treatment depends on personal circumstances and may change.

How AAF can support your financial planning
The exact advice you need will depend on your circumstances, but your discussions with AAF may include:
- Reviewing your existing financial position
- Clarifying your longer-term financial goals
- Reviewing pension and retirement arrangements
- Considering existing investments and asset allocation
- Planning around your intended retirement lifestyle
- Identifying relevant UK tax planning needs
- Considering inheritance and estate-planning objectives
- Working alongside your other professional advisers where appropriate
Planning a move overseas?
Talk through your current finances and future plans with AAF Financial before making important decisions around your move.
Advice backed by professional standards
FCA authorised
AAF Financial Limited is authorised and regulated by the Financial Conduct Authority under firm reference number 977929.
Qualified advisers
AAF’s team includes Chartered Financial Planners and advisers holding professional financial-planning and investment qualifications.
Clear service commitments
AAF states that charges are agreed before commitment and recommendations are made only after considering a client’s needs, preferences and circumstances.
Get your finances ready for the next stage
Whether you are still considering an overseas move or already preparing to relocate, an early financial review can help you understand which areas need attention.
Important information: This page provides general information and does not constitute personal financial, investment or tax advice. The suitability and availability of services will depend on individual circumstances and, where relevant, country of residence. AAF Financial Limited is authorised and regulated by the Financial Conduct Authority, firm reference number 977929. AAF Financial states that not all products and services described by the firm are regulated by the FCA. Tax services referenced on this page are available through AAF Financial’s trusted tax partners.
The value of investments and any income from them can fall as well as rise. Past performance is not a guide to future performance.