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Financial Planning
for British Expatriates

Get the best advice on how to grow and protect your wealth while living overseas

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Expert Financial Advice for UK Nationals Living Abroad

Moving abroad as a British expat brings exciting opportunities but it also creates complex financial questions.

How do you manage UK pensions while overseas? How can you protect your income from currency fluctuations? What are the best tax efficient investment options for expats?

At The Michele Carby Practice, we provide specialist financial planning for British expats, ensuring your wealth, retirement, and legacy are protected no matter where life takes you.

Why Financial Planning Matters for UK Expats

Living overseas does not remove your financial ties to the UK. In fact, it often makes them more complicated. Without tailored advice, many British nationals abroad risk double taxation, inefficient pension strategies, or missed investment opportunities.

Our role is to simplify the process, offering cross border financial solutions that align UK regulations with your host country’s rules.

Key Financial Challenges for British Expats

1. UK Pensions and Retirement Income

  • Accessing the UK State Pension overseas
  • Transferring pensions through QROPS (Qualifying Recognised Overseas Pension Scheme) or SIPPs (Self Invested Personal Pension)
  • Building a sustainable retirement plan that works internationally

2. Tax Planning and Double Taxation

  • Navigating UK non resident tax rules
  • Using Double Taxation Agreements (DTA) to avoid paying tax twice
  • Structuring offshore investments for compliance and efficiency

3. Currency and Wealth Protection

  • Managing income in GBP while spending in AED, EUR, or USD
  • Protecting wealth against volatile exchange rates with hedging and multi currency solutions

4. Estate and Succession Planning

  • Aligning wills and inheritance plans with UK law and your country of residence
  • ● Protecting assets for your family across multiple jurisdictions

Our Expat Financial Services

  • Comprehensive Expat Wealth Management: tailored portfolios balancing UK and international investments
  • Pension Transfer Advice: including QROPS and SIPPs for British expats
  • Tax Efficient Strategies: minimise liabilities while staying compliant
  • Insurance and Protection: expat life insurance, critical illness cover, and income protection
  • Legacy and Estate Planning: secure inheritance across borders

Why Choose The Michele Carby Practice

  • Specialist in British Expatriate Finance: We focus exclusively on helping UK nationals abroad
  • Global Perspectives: Strategies built for a life that spans multiple countries
  • Independent and Trusted Advice: Not tied to one provider, our only priority is you
  • Personalised Planning: Tailored to your goals, lifestyle, and long term security

Get in touch with us today