Ready to secure your financial future as an expat?
Book a free, no-obligation discovery call with our team. We'll explore your goals, offer tailored insights, and map out a strategy built around transparency and low fees — no pressure, no jargon.
Let's build a plan that supports your life abroad and grows your wealth.
Our Fee Structure
Curious how we keep costs low without cutting corners? Visit our Low Fees page to see our transparent pricing — no hidden charges, just straightforward, affordable advice.
Expert Financial Advice for UK Expats
Living abroad shouldn’t mean losing control of your money. At Investments for Expats, we help British expats navigate cross-border tax, currency risk, pensions, and estate planning — with clear, low-fee advice and no jargon.
Founded by Henry Temple-Baxter, our online-only advisory has spent nearly two decades helping expats in Portugal, the UAE, Australia, Spain, Thailand, and beyond protect and grow their wealth — with some of the most competitive fees in the industry.
The four problems every UK expat faces
Double taxation. Earn or invest abroad and you risk being taxed twice — once by HMRC, once by your host country. We use Double Taxation Agreements to secure the reliefs and credits you’re entitled to, so you keep more of what you earn.
Currency risk. Exchange rate swings quietly erode savings and pensions. We build diversified, low-cost ETF portfolios matched to your risk profile, designed to hold up against currency volatility.
Pensions stuck in limbo. Frozen UK state pensions and restricted access to private schemes are common abroad. We manage QROPS transfers, consolidations, and tax-efficient drawdown strategies so your retirement income keeps pace with your lifestyle.
Cross-border inheritance tax. Assets in multiple countries can mean multiple tax bills for your heirs. We structure wills, trusts, and non-domicile planning (updated for the post-2025 UK reforms) to protect your legacy.
Why expats choose us
- Nearly 20 years of specialist expat experience
- Transparent, low-fee model — no hidden commissions
- Fully online: advice wherever you’re based
- Personalised strategy, not generic guidance
Get a clear plan for your money abroad
Book a free introductory call and we’ll walk through your situation — no obligation, no pressure.
Thank you for visiting our website and considering how we can support your expat journey.
Best,
Henry Temple-Baxter
Founder of Investments For Expats
Transparent Advice. Lower Fees. More of Your Money Working for You.
Expat financial advice has a reputation for being opaque and expensive. We built our firm to be the opposite. No hidden commissions — just cost-effective strategies designed to keep more money in your pocket.
We know the real obstacles: double taxation treaties that don’t always deliver the relief they promise, currency swings that quietly erode your savings, and investment restrictions that limit your options in your new home country.
Led by Henry Temple-Baxter and a team with backgrounds in international finance, we build personalised plans to help you navigate all of it — with a clear view of every fee and every decision.
Explore Our Expat Financial Services
Investment Management
Good expat investing isn't just stock-picking — it's building a diversified portfolio that fits your global lifestyle. We give you access to low-cost ETFs, bonds, and sustainable funds, so your money grows without being eaten away by fees.
Many UK expats miss out on tax-efficient wrappers like ISAs or offshore bonds — tools that can meaningfully boost long-term returns. On average, our clients save 1-2% annually on fees alone. Over time, that difference compounds into substantial gains.
Tax Optimisation
Tax is a top concern for UK expats — inheritance tax, double taxation, and constantly shifting UK rules can all chip away at your wealth. We cut through the complexity, using treaty benefits like Portugal's NHR regime or the UAE's zero income tax to legally minimise what you owe. From foreign tax credits to smart asset structuring, we build a strategy that keeps more of your money working for you.
Retirement Planning
Expat retirement planning is about more than pensions — it's about making sure your funds are portable and tax-efficient. We specialise in QROPS transfers, SIPPs, and international retirement funds tailored to destinations like Australia or Thailand. With many UK expats facing restrictions on pension access, our low-fee solutions help you avoid the pitfalls and build a comfortable, secure future.
Wealth Protection
Protecting your legacy across borders takes careful estate planning. We handle inheritance tax, wills, and trusts to shield your assets from jurisdictional conflicts — including forced heirship rules in the UAE or Spain, and UK domicile issues. Our transparent, low-cost strategies are built to preserve wealth for the people you're leaving it to.
Financial Compliance
Staying compliant across jurisdictions protects you from costly fines. Our expat compliance service covers FATCA, CRS, and HMRC reporting, so your affairs stay accurate and efficient. We provide audits, documentation support, and updates on regulatory changes — helping you avoid pitfalls like undeclared offshore accounts.
High Net Worth Individuals
For expats with £1 million or more in investable assets, standard advice isn't enough. We provide multi-jurisdictional asset allocation, advanced tax structuring, and family office-level coordination — addressing challenges like concentrated wealth positions, cross-border estate tax, and integrating philanthropy or impact investing into your portfolio.
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We provide bespoke services to UK Expats around the world
Whether you’re in the UAE’s tax-free landscape, Thailand’s growing economy, or the USA’s complex regulatory system, our country-specific guidance helps UK expats tackle double taxation, currency risk, and pension pitfalls — all with a low-fee approach. From investment management and tax optimisation to retirement planning, estate protection, and compliance, we’ve got you covered wherever you live.
Wherever you are, you get the same portable, transparent support that adapts as your life changes — backed by fee-only expertise built for the long term.
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