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Financial Planning

How to make a Will as an expat

How to make a Will as an expat

Wills for expats can be tricky and there is no one-size-fits all solution. The law in your country of residence may not apply to you and your estate, so what happens after death will depend on where you die. For example, if you die in England but have property or assets in France then French …

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How you can pass money down to the next generation

How you can pass money down to the next generation

There was once a time when inheritance tax was mostly paid by the very wealthy. But thanks to rising house prices and investments that have had decades to compound, even those who earn a modest income may be taxed on their estate when they pass away.  Many people assume that inheritance tax can completely obliterate …

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Has your current adviser ever asked you these 7 essential questions?

Has your current adviser ever asked you these 7 essential questions?

Questions asked by your current adviser can provide real insight into how they work. Most financial advisers concentrate on selling you a product to fix a ‘problem’ rather than tackling proper financial planning that focuses on the most important thing – you. Most people value a service that relates to their goals and dreams. They …

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Monthly financial checklist

Monthly financial checklist

When it comes to keeping on top of your financial situation and all associated tasks, it can easily feel overwhelming. However, if you break it down month-by-month and focus on one thing at a time it’s less daunting and more manageable. Think of it like a financial checklist. January: review your net worth and asset …

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Calculating your retirement fund

Calculating your retirement fund

Calculating exactly how much money you will need for retirement can feel like a daunting task. But, planning retirement, especially as an expat, is a key part of sound financial planning. Working, or living internationally, has wonderful benefits, but it can complicate retirement and inheritance planning somewhat. Ensure you know where you will be a …

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Understanding risk

Understanding risk

When it comes to investing, risk and reward go hand in hand. Therefore, before making an investment, it’s important to know how much risk you are willing to take. You need to know your risk tolerance. What is risk tolerance? Risk tolerance is simply the amount of risk an investor is comfortable in taking; it’s …

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What is your financial number?

What is your financial number?

In the financial world, when someone asks, “what’s your number?”, it’s likely they are not trying to fix a date with you. Rather, they want to know your financial independence number. A financial independence number tells you when you’re free from the need to work.  However, working out your personal financial independence number is more …

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Emergency funds – why they matter now more than ever!

Emergency funds – why they matter now more than ever!

Coronavirus has already had a far-reaching economic impact with many expats having contracts terminated sooner than expected. However, even if you are in a stable role, an emergency fund is always vital to financial security. An emergency fund is a stash of money set aside as a financial safety net. It is also one of …

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Top ways to secure your financial future

Top ways to secure your financial future

Perhaps you’ve just started life as an expat or have been living and working abroad for years. Regardless of where you are on your journey we are confident the tips below will help you take a few extra steps towards securing your financial future. Expenses review Before deciding how much you can save and direct …

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Why it’s important to know and track your net worth

Why it’s important to know and track your net worth

An increasingly popular way to understand how financially healthy you are is to know your net worth because it is easy to track and compare year-on-year. Net worth, when reviewed, will also give you a clear idea of whether you are spending too much, how much you have in savings and whether you’re putting enough …

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