Expats & Foreign Nationals

We are highly experienced advisers to Expat and Non UK clients. Carl worked in the Far East in the early 1990’s as a Tax & Investment adviser to Expats working in the Oil & Gas sector, where he witnessed some “offshore advisers” engaged in poor professional conduct and where sales commission bias was rife. We have seen some truly shocking “advice” from such advisers. Although there are many professional advisers working offshore, such behaviour still exists.

We are contacted by many Expats looking to build a long term trusted relationship with a financial adviser, free from the commission based sales culture that still exists with many offshore advisers. Often offshore advisers move on, leaving Expat clients with no continuing advice – we can offer impartial and independent fee based advice. Our Expat financial planning service delivers maximum flexibility – with no lock ins, hidden costs or nasty small print. Our approach to Expat clients is the same as to our UK based clients – clear and transparent with agreed fees and the focus very firmly on your financial priorities,not ours.

Often Expat clients have multiple financial arrangements that are difficult to understand, to obtain clear valuations and work out total plan costs. It is problematic to get “the big picture” of where they stand financially.We offer our Expat clients an online Financial Portfolio available 24/7 with total transparency on costs and no exit fees if they want to leave. We offer an Expat Financial Planning Audit to review your existing financial arrangements including an assessment of whether the plans you hold remain suitable to your needs – and if not, possible alternative solutions. Importantly, we can calculate whether you are saving enough to meet your financial goals and whether you are taking advantage of the tax planning opportunities available

Carl is one of a small number of UK advisers to hold the Chartered Insurance Institute Financial Advisers’ International qualification.

Contact us Now to see how we can help you

Important information

We provide advice and services only to Non UK resident clients where we hold the required regulatory permissions and have professional indemnity insurance coverage for the location concerned. We are not able to advise US resident Investors, but can refer such clients to a specialist advisory firm.

If you are a private client outside the United Kingdom, or you are an overseas person who conducts Investment business with or for a client who is in the United Kingdom then the following information disclosure applies:-

  1. Most or All of the rules, regulations and arrangements made under the Financial Services Act 2000 for the protection of Investors will not apply
  2. That, where relevant, you will not have the following rights under the United Kingdom regulatory system:

The right to refer a complaint against us to the Financial Ombudsman.

The right to be informed in advance about any commission we receive and any fees we will or may charge, and for those fees not to be excessive.

The right to receive recommendations, which are suitable to you and your circumstances.

The right to an explanation of the risks involved in any transaction.

The right to have a transaction executed at the best price available in the relevant market at the time (“best execution”).

The Investors Compensation Scheme shall not apply and compensation shall not be available.