Plan for two countries as if they were one.
Pensions, tax and savings for expats, explained in plain English. Guides and calculators for your own country and situation, starting with British expats.
- One free call to see where you stand
- UK pensions, tax and wills, covered together
- Clear next steps, with no pressure
- Plain English
- Guides for specific countries
- Free first call
- Plain English, no jargon
Start with your question
The things expats ask us most, each with an answer or a calculator.
Who we help
Life abroad changes the money questions. These are the situations we see most.
British expats
UK pensions, inheritance tax and savings for Britons living anywhere in the world.
Read morePlanning a return to the UK
Get the timing right before you land back in the UK tax system.
Read moreBusiness owners and contractors
Plan around variable income, company sale proceeds and no employer pension.
Read moreWhat we help with
Six areas where expats most often need a clear answer.
UK pension advice for expats
Leave it, consolidate it, move it or start drawing from it. Understand each option before a deadline or a tax charge forces the choice.
Read moreInheritance tax advice for expats
UK inheritance tax can follow you abroad. Find out where you stand and what can be done about it.
Read moreTax wrappers for expats
A portable structure for your investments that can stay in place if you move country.
Read moreRetirement planning for expats
Work out how much is enough, where you want to retire and how to get there.
Read moreWills and estate planning for expats
A UK will does not automatically cover assets in another country. Get the paperwork right in each one.
Read moreSavings and investing for expats
Cut through the sales pitch. Understand charges, lock in terms and what suits your plans.
Read moreHow it works
Four steps, and you can stop after any of them.
Free first call
A short conversation about where you live, what you hold and what worries you.
We listen and explain
You get a plain account of the issues that matter for someone in your position.
You are introduced
If you want to go further, we introduce you to a regulated adviser, named to you up front.
You decide
The adviser explains options and costs. Nothing happens without your agreement.
Run your own numbers
Free calculators. Enter your figures and see where you stand.
Latest insights
Short, practical reading for people living abroad, labelled by country and rules.
Keep or move your UK pension while living abroad?
A plain framework for deciding whether to leave your UK pension where it is, move it or start drawing from it while you live abroad.
The expat money guide
A short PDF on pensions, inheritance tax, savings plans and wills for people living abroad, with the questions to ask before you sign anything.
Common questions
Who is Horizon Expat Wealth for?
Expats living or working abroad, wherever you are, and people planning to move back home. We publish guidance, calculators and guides for specific groups and situations, starting with British expats, so you can find what applies to you.
Is the first call really free?
Yes. The first call is a conversation to understand your situation and explain how things work. There is no obligation to go any further.
Who gives the advice?
Horizon Expat Wealth is an enquiry and information service and does not give advice itself. If you go ahead, we introduce you to a regulated adviser, and the firm and its fees are named to you before anything is agreed.
Will you tell me to move my UK pension?
Not by default. Whether a transfer makes sense depends on the type of pension, where you live and what you want. Some transfers carry tax charges or lose valuable guarantees, so the right answer is sometimes to leave it alone.
Is this only for one country or one nationality?
No. The site is for expats in general. Some articles and calculators cover one country or one set of rules, such as the UK or the UAE, and each is labelled so you can see at a glance whether it applies to you. We are adding more guides for more nationalities.
How much does advice cost?
Costs are explained clearly before you commit. [COMPLIANCE TO CONFIRM FEE WORDING]