Are you taxed more than once on the same income? Double taxation is a key issue for many British people living abroad (expats). How can you identify whether you are at risk of double taxation, and what can you do about it? In this guide, our financial advisers at Scottsdale identify the key areas of Read the full article…
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How could AI feature in financial planning?
Should you rely on a robot to plan your finances? How much should you manage yourself, and what role should a human adviser play in your goals and strategy? Artificial intelligence (AI) is still taking the world by storm, with the arrival of DeepSeek (China’s new competitor to US-based OpenAI) shaking the markets in January Read the full article…
Offshore investing: a short guide
Are you missing investment opportunities? The world is a big place, yet many investors concentrate their portfolios on their home markets. By broadening your view of the landscape, what else could you achieve with your investment goals? In this guide, we will explain the nature of offshore investing, how it works, and how it could Read the full article…
What will the ECB do in 2025, and how will it affect you?
Do you feel that things are getting more expensive? What determines the cost of goods on the shelves, anyway? A huge factor behind the cost of living is interest rates. In the European Union (EU), these are determined by the European Central Bank (ECB). In this article, our financial planners explain how the ECB affects Read the full article…
Wealth management: a short guide for expats
This communication is for informational purposes only and is not intended to constitute, and should not be construed as, investment advice, investment recommendations or investment research. You should seek advice from a professional adviser before embarking on any financial planning activity. Whilst every effort has been made to ensure the information contained in this communication Read the full article…
How dividends can work in an investment strategy
This communication is for informational purposes only and is not intended to constitute, and should not be construed as, investment advice, investment recommendations or investment research. You should seek advice from a professional adviser before embarking on any financial planning activity. Whilst every effort has been made to ensure the information contained in this communication Read the full article…
Offshore banking: do I need it to grow my wealth?
This communication is for informational purposes only and is not intended to constitute, and should not be construed as, investment advice, investment recommendations or investment research. You should seek advice from a professional adviser before embarking on any financial planning activity. Whilst every effort has been made to ensure the information contained in this communication Read the full article…
25% tax charge on expat pensions?
You may have heard that the 2024 Autumn Statement brought an important change to pensions that could affect expats. A 25% Overseas Transfer Charge (OTC) now applies to people who transfer their UK pension to a Recognised Overseas Pension Schemes (ROPS) in another country in the European Economic Area (EEA) and Gibraltar.
What is the significance of this change, and why has it happened? Below, our financial advisers offer some reflections and discuss how the change could affect expat financial planning in 2025 and beyond.
4 ways to build an ethical set of investments
Today, expats not only want to build a strong portfolio, many also want their investments to make a positive difference to the world. Ethical investing is an investment style that tries to capture this dynamic by aligning an investor’s values (religious, moral or social) with the desire to generate strong returns.
In this guide, we explain how British expats in Spain and other locations can begin exploring an ethical portfolio. Four broad strategies will be described for building an ethical portfolio, together with their respective pros and cons.
Cybercrime: how to protect yourself as an expat
Did you know that nearly 50% of UK businesses experienced a cyberattack in 2024? This totaled to 7.78 million attacks leading to an average cost of £3,230.13.
Individuals are not immune either. Nearly 500 potential threats are spotted every second, and expats can be particularly at risk due to feeling vulnerable in a new country and unfamiliar with social norms and practices.