We manage the financial needs of exceptional people
Living overseas can be rewarding but also complex, especially when it comes to managing your finances. You want to know that you are doing the right thing: ensuring your savings and investments are tax efficient, that you have the freedom to enjoy life, give your children a good education and save for an enjoyable retirement.
We understand both the subtlety and the complexity of life overseas and help you navigate the options available. We will match your needs with our expert knowledge of home and offshore markets to create a truly bespoke solution that helps you to feel organised and in control of your wealth now and in the years to come.
The questions we answer
1.
Do I have to pay UK taxes if I move abroad?
Perhaps you are currently working for a UK employer, but are thinking about becoming based overseas while you work?
With all of these exciting prospects in front of you, it’s easy to lose sight of your tax obligations. However, failing to handle your tax affairs properly could land you in big trouble with HMRC back home, with governing authorities overseas – or both.
We will explore your current status and explain all the options so you can make informed decisions that put your mind at rest.
2.
How do I prepare to move back to the UK?
Before moving back home, there are a number of things to consider that could affect your finances when you return, such as your property arrangements, your salary or retirement income, and how you would be taxed.
Your pension is another key consideration; many expats have lived overseas for a number of years and haven’t made national insurance contributions during that time, which can impact their entitlement.
We help clients answer these questions all the time, helping them to prepare so there are no nasty surprises.
3.
How much is my pension worth?
Perhaps you have lived outside the UK for 10 or more years, and wonder what happened to all those pensions you were contributing to when working back home?
There are many different kinds of pensions, which complicates matters, from final salary pensions, defined contribution pensions to personal pensions.
As an expat, it can be intimidating to think about tracking these down, but this is what we do for clients all the time. Leave the administration to us and we will take care of everything.
4.
Can I retire early?
After working hard and saving even harder, the idea of being able to enjoy your retirement early, while you still have the energy to chase your big dreams, is an exciting one. But naturally it’s a big step and there are a number of issues to consider.
We can explore all the possibilities and go through a number of different scenarios to show you what that might look like and what the impact on your finances might be.
And when you feel confident you are making the right decision, we can help you to prepare to make the transition.
“Hebden are part of an ‘eco system’ that encompasses Will planning, UK property and tax advice, which means you really are getting very rounded advice.”