ASH GRAHAM · DIPFA
Where you retire decides what you keep.
The UK rules have changed for expats, and every country treats retirement income differently. Seven steps to a tax-efficient retirement, in a short free guide.
[For British expats with £200,000 or more across pensions, savings and investments]
Free · Takes about a minute · No products discussed
British Expats in Spain, France and Portugal
7 Steps to a Tax-Efficient Retirement
Pensions, tax and estate across more than one country
Ash Graham
Ash Graham, DipFA · Private Wealth Director
Over ten years advising private clients across Europe, the Middle East and Africa. His work concentrates on tax-efficient structures and inheritance tax planning for people whose assets and residence sit in different countries.
Sound familiar?
- Pensions and savings in two or three countries, and no single picture of them
- A UK pension you haven't looked at properly since you moved
- No firm idea yet whether you'll stay, move on or go back to the UK
- Not sure which country will tax your retirement income, or your estate
- Advice so far from people who know one country's rules, not all of them
Every country you've lived in, and every country you might retire to, has its own view of your pensions, savings and estate. Most people find out how those rules interact only after a decision has been made. This guide sets out the steps worth taking first, in plain English.
What's inside the guide
- Map what you have and where: pensions, savings and investments across every country
- Check what's changed for UK pensions held from abroad
- Work out which country taxes your retirement income, and what changes if you move again
- Keep your options open while you decide where to retire
- Plan for inheritance tax now that it follows residence rather than domicile
- Set the order you draw income across pensions, savings and currencies
- Avoid the mistakes that become hard to undo
Who it's for
- British, living in Spain, France or Portugal, whether or not you'll retire there
- £200,000 or more across pensions, savings and investments, wherever they're held
- Retired, or planning to retire within the next ten years
- Money in more than one country
A conversation, if you want one
- Twenty minutes, by phone or video
- No documents needed, nothing to prepare
- No products discussed on a first call
"I found Ashley to be professional and not pushing a specific agenda or product."
"Very professional, with an easy language for non financial experts. He is very knowledgeable and has good resources."