Expat financial and investment advice for international people

Financial Advice for expats working abroad, leaving the UK to go offshore or retiring overseas

Supporting international clients and expats with international investment and financial advice from a head office in the UK.

Based and regulated in the UK with financial advisers in a real office (and remote) supporting clients globally. Our team is ready to advise and support your needs wherever you are. You can access us online, remotely and face-to-face. We frequently travel and open extended hours to suite most time zones.

Effective wealth management for expatriates demands expertise in international tax regulations, as well as understanding cross-border investment strategies and pension frameworks. Expats who lack proper financial planning risk encountering double taxation, bad investment decisions, and expensive pension transfer errors.

An independent expat financial adviser helps you:

• Through cross-border tax planning, we can improve your tax position.
• Protect your retirement savings through pension transfers combined with comprehensive wealth management.
• Make sure your estate planning follows international inheritance regulations.
• Manage investments across multiple currencies and jurisdictions
• Work to protect your family’s financial stability

Important services for expatriates

True expatriate financial advice means offering a range of financial services designed specifically for expatriates:

Expat Retirement & Pension Planning

• International pension transfers (SIPPs, QROPS, 401(k) rollovers, UK pension transfers to Australia)
• Retirement investment strategies for long-term wealth growth

Expat Tax Planning & Compliance

• Avoid double taxation with tailored tax strategies
• Statutory Residence Test (SRT) guidance for UK expats
• Inheritance & estate tax optimisation across jurisdictions

Investment & Wealth Management

• Global investment strategies for expats
• Currency risk management to protect your international wealth
• Real estate investment advisory for expats purchasing property abroad

Estate & Inheritance Planning

• Cross-border will structuring to comply with international laws
• Trusts & asset protection for family wealth preservation

Why pick Edale as your expat adviser?

The UK-based team at Edale provide financial expertise to expats around the world. We have worked around the world ourselves and know the pains and rewards from working cross borders and internationally. Our team of experts works tirelessly to:

• Optimise your tax position.
• Plan for a secure retirement.
• Manage your investments internationally.
• Protect your wealth and legacy.

Edale is a financial adviser firm that can assist with overcoming the global pains of accessing worldwide financial advice, where many are limited by national borders or assets in the country of residence. We support everyone we can from the chief executive of a plc to a shopkeeper, this is based upon our social mission. We ensure financial advice and options are available to everyone, irrespective of their citizenship or complications created for them. Our specialist International advisers have significant experience advising people, families and individuals who work and move around the world.

With a global perspective and a commitment to your financial success, you can be confident you’ve found a partner to navigate the complexities of living abroad.

Regulated expat pension and investment advice

Having worked in international finance since 1999 and operated Edale since 2014, we’ve spoken to individuals who have received bad money advice. In many cases, they were approached with a cold sales call. We have a social mission to improve financial services so we operate free consultations, extended office hours and no minimum portfolio size. We want Expats to understand financial planning and how you can make sound financial decisions with guidance.

Talk to a qualified financial professional

For independent financial advice with the flexibility to work with you anywhere in the world with UK-based advice, consider Edale.

Financial advice that fits your needs and plans for the future

Working with a range of international product providers and platforms

Below is a list of platforms and product providers across different jurisdictions where we have clients. Some of these are legacy products that are no longer available and have rebranded, but we include them as clients may still refer to the old name. We like to consider the existing products and investments that a client holds before making alternative recommendations. We are not keen to switch where we can fit around a client’s existing arrangements, which are suitable for their needs and provide value.

Our Happy Clients

Expatriate financial advice based on your needs

Depending on what your need assistance we can advise clients on:

• Private Client Investments
• Child savings and educational planning
• Pensions and Retirement Planning
• SIPPS v QROPS
• Expat Tax Planning
• Education Fees Planning
• Health, Income and Illness Protection Arrangements
• Corporate Services

Helping US passport holders with UK savings

Articles for expats planning their finances

• High Earners Dilemma: Avoiding Income Tax Traps
  Professionals accelerating up the corporate ladder or high earners face complications as their incomes break through different thresholds. A pair of rules where you earn two pounds and lose a pound creates a real dilemma for people who want to plan their long-term futures. Known as the “60% Tax Trap” and “Taper Tax”.. We have… Read more: High Earners Dilemma: Avoiding Income Tax Traps
• A Tale of Two Taxmen: How the UK and US View Tax Wrappers
  Picture a street of rainbow-coloured houses. On one side of the road is a British tax inspector with one rulebook; on the other side of the street an American tax inspector with another rulebook. Each house in the street represents an investment product or ‘tax wrapper’. Each tax inspector’s has different rules so looks at… Read more: A Tale of Two Taxmen: How the UK and US View Tax Wrappers
• Actions on beneficiaries for Brite Adviser liquidation
  New documents published by Mcgrathnicol linked to the liquidation of Brite Advisors Pty Ltd (these are listed below) begin to outline some actions that beneficiaries will soon have to complete. To provide some guidance on what a beneficiary should expect, we have attempted to summarise the documents. From the documents provided, beneficiaries have several essential… Read more: Actions on beneficiaries for Brite Adviser liquidation
• What could some of the budget changes be in Oct 2024?
  Labour’s first budget warns of pain ahead, so here is an outline of the current inheritance tax and capital gains tax regimes that are under the spotlight With the Labour government’s first budget looming after we return from summer holiday’s there is much speculation (and dread) about the government’s long-promised tax reforms. Speaches of pain… Read more: What could some of the budget changes be in Oct 2024?
• Cash distribution plans and client statements for Brite Advisors
  With a batch of updates in the past couple of weeks, we thought an outline of what had occurred may be helpful, as lots of documents have been added to the Recievers website. Importantly, a distribution framework was submitted to the Court on 8/9th August, and we summarise what this means as it is the… Read more: Cash distribution plans and client statements for Brite Advisors

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