Moving to Spain: A Financial Planning Guide for UK Expats
If you are planning to move to Spain, or have recently done so, you have made an excellent choice. With its rich culture, warm climate, and relaxed lifestyle, Spain offers a wonderful quality of life. It also presents opportunities to review and adapt your financial planning. Where possible, it is best to begin preparations well […]
Tax Freedom Day 2025: How Much of Your Year Goes to the Taxman?
If you’ve ever felt as though much of your working life is spent paying tax before you see any benefit for yourself, you may not be far wrong. With income tax, national insurance or social security, capital gains tax, VAT, council tax, excise duties and more, a significant proportion of income goes to the taxman […]
Forgotten Pensions: Why Expats Shouldn’t Overlook Them
For many British expatriates, pensions represent one of the largest parts of their wealth. Yet thousands of expats unknowingly leave retirement savings scattered across multiple schemes — some forgotten, some underperforming, others eroded by unnecessary fees. Since the UK’s auto-enrolment rules were introduced in 2012, millions of workers have been automatically enrolled in workplace pensions. […]
Understanding Spanish Succession & Gift Tax (SSGT) in 2025: What Expats Need to Know
Succession tax in Spain has long been a concern for expatriates, but recent reforms across several regions have significantly reduced the burden for immediate family members. If you live in Spain or are planning to relocate, it’s essential to understand how Spanish succession and gift tax (SSGT) works, how it varies by region, and how […]
Understanding Assurance Vie Withdrawals and Taxation: A Guide for British Expats in France
If you’re a British expat living in France, you’ve probably heard of assurance vie—a popular and flexible investment product widely used for long-term savings, tax optimisation, and estate planning. But while the benefits of assurance vie are well publicised, the rules around how withdrawals are taxed can be more complex, especially for those navigating cross-border […]
Why British Expats in France Should Consider an Assurance Vie
For British nationals living in France, understanding how to manage savings and investments under a different legal and tax system can be challenging. However, one financial structure stands out for its flexibility, efficiency, and long-term planning benefits: the French Assurance Vie. Understanding Assurance Vie The Assurance Vie is a cornerstone of financial planning for residents […]
The Benefits of Financial Planning as a UK Expat
Why a strategic financial plan is essential for British nationals living abroad For British nationals who have chosen to live, work, or retire overseas, the expat lifestyle offers many opportunities—warmer climates, cultural enrichment, tax advantages, and improved quality of life. However, these benefits can quickly be undermined without careful and informed financial planning. Whether you’re […]
Tax Deadlines for Portugal: Non-Habitual Resident (NHR) & More
As we approach tax season, it’s crucial to stay on top of upcoming tax deadlines, especially if you’re considering taking advantage of Portugal’s Non-Habitual Resident (NHR) tax regime. The deadline for NHR applications for the 2024 tax year is fast approaching on March 15, 2025. If you’re planning to apply, it’s essential to start the […]