Is Your Investment Setup Still Working for You Abroad?
UK long-term net migration fell 69% to 204,000 in the year to June 2025 (ONS), and the Henley Private Wealth Migration Report 2025 projects 16,500 millionaires leaving the UK this year. Expats everywhere are re-checking their finances — and from April 2026, dividend tax rates rise again (basic rate to 10.75%, higher rate to 35.75%).
Why Get a Second Opinion Now
Currency swings, double taxation risk, outdated pensions, and creeping fees can quietly drain your wealth — and most expats only find out once it’s cost them thousands.
A quick review typically uncovers £5,000–£15,000+ in annual savings.
- Tax changes are hitting harder. Dividend tax rises from April 2026 mean investment income costs more unless your structure is optimised.
- Cross-border issues don’t resolve themselves. Even with migration slowing, expats already abroad face ongoing tax, pension, and currency exposure.
- The most common gaps we find: high fees (often 1.5%+), unhedged currency exposure, outdated pension structures, and missed local tax reliefs in places like Portugal, Spain, the UAE, Australia, and Canada.
What Our Free Second Opinion Uncovers
Every review is built around five checks. Here’s what we typically find — and fix:
- Excessive charges — switch to transparent, low-fee alternatives, often saving 60–75% on fees.
- Tax leaks — missed non-dom/NHR-style reliefs where still available, double taxation traps, better structures.
- Pension gaps — QROPS timing issues, SIPP consolidation opportunities before rules tighten further.
- Currency & risk exposure — better hedging against GBP volatility.
- Estate blind spots — wills and inheritance tax exposure that don’t travel well across borders.
Our Simple Process
- Free discovery call – 30 minutes, no sales, just your situation.
- Free In-depth review – Analysis of investments, pensions, tax position.
- Actionable report – Savings potential, risk fixes, country-specific ideas.
Independent. Fiduciary. Expat-experienced team.