Financial advice for life abroad
Plan your finances around your move abroad
Moving overseas can change how your UK pensions, investments, retirement income and tax position need to be managed. SJB Global provides cross-border financial planning for UK citizens who are preparing to move or already living overseas.
Whether an overseas property is part of a permanent relocation, retirement or longer-term plan, SJB can help you consider how your finances fit with your new country of residence, future income needs and wider goals.
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How SJB Global can help
Make financial planning part of your move
Buying a home abroad may be one of the biggest parts of your plans, but it is not the only financial decision involved. Leaving the UK can also affect your tax residence, pensions, investments, UK property, retirement income and longer-term estate arrangements.
SJB Global takes a cross-border approach, looking at how these different areas work together. Planning can begin before you relocate and continue once you are established overseas, allowing the plan to change with your residence, retirement and family circumstances.
Why choose SJB Global?
Financial planning for an international move requires different considerations from planning within a single country.
Cross-border focus
SJB’s services are designed around the financial questions faced by people whose assets, income and future plans extend across more than one country.
Independent guidance
SJB describes its approach as independent, with financial recommendations considered around each client’s circumstances and longer-term objectives.
An expat perspective
SJB says members of its team have made international moves themselves, giving them practical insight into the financial decisions that can accompany life abroad.
Planning that can evolve
SJB’s process includes ongoing reviews and support, allowing financial plans to be revisited as residence, retirement, investments or family circumstances change.
Planning before and after you relocate
Financial planning around your move
The right areas to review will depend on where you are moving, when you plan to relocate and the pensions, property, investments and other assets you already hold.
Prepare financially before leaving the UK
Moving abroad can affect more than your address. SJB’s UK exit planning considers how the timing and destination of your move may interact with areas including:
- UK tax residence
- Existing pensions
- Investments and investment wrappers
- UK property and income
- The timing of important financial decisions
Reviewing these areas before departure can give you more time to understand what may need to change once you become resident elsewhere.
Review pensions and retirement income
If retirement forms part of your move, your existing UK pensions can be reviewed alongside your expected retirement date, income requirements, tax position and destination.
SJB’s pension planning starts with understanding the structure, benefits, guarantees, flexibility and risks of what you already hold. A pension transfer is not assumed to be the right answer and should be assessed within the wider retirement plan.
Manage investments across borders
An investment arrangement that suited you in the UK may need to be reconsidered when your country of residence changes.
SJB’s cross-border investment planning can review existing portfolios in relation to your objectives, risk, diversification, access requirements, currency exposure and wider retirement plans, while taking account of the jurisdiction in which you live.
Consider tax and estate planning
Moving abroad can change how different sources of income and assets interact with UK and local-country rules.
SJB’s planning considers areas such as tax residence, double-tax agreements, pension income, investments, continued UK property ownership and longer-term estate considerations. Where necessary, wider planning may also need coordination with appropriately qualified legal and tax professionals.
How SJB supports your move
The process begins by understanding where you are now, where you plan to live and what you want your finances to support.
01
Start with your situation
An initial conversation helps establish your circumstances, destination, goals and the areas where advice may be useful.
02
Review the whole picture
Your current arrangements, financial position and longer-term objectives can then be reviewed together rather than in isolation.
03
Understand their recommendation
SJB then sets out recommendations based on the information gathered and explains how the proposed approach fits your wider plans.
04
Keep the plan under review
Where an ongoing relationship is appropriate, regular reviews can help the plan adapt as your life and circumstances overseas change.
Discuss the financial side of your move
Whether you are still researching destinations or already preparing to relocate, you can speak with SJB Global about the financial areas that may need attention.
Regulation and international reach
A regulated international framework
SJB Globals financial advisers trade as members of Nexus Global. Nexus Global is a division of Blacktower Financial Management (International) Limited (BFMI), and approved members of Nexus Global are appointed representatives of BFMI.
BFMI is licensed and regulated by the Gibraltar Financial Services Commission under licence number 3647.
SJB supports clients across the globe. Its current country guidance highlights France, Spain, Portugal, Cyprus, Germany and the Republic of Ireland among the jurisdictions it commonly works with.
Important information: Financial planning and investment decisions should take account of your individual circumstances. Tax treatment depends on individual circumstances and may change. The value of investments can go down as well as up, and you may not get back the amount originally invested.
Planning a move, retirement or longer stay overseas?
Speak to SJB Global about the pensions, investments, retirement and cross-border financial decisions that may need to be considered as part of your plans.