What is Expat Wealth Management? How to Make the Most of Your Global Assets

Living abroad or holding assets in more than one country brings welcome opportunity, but also complexity.

Many expats find themselves juggling different tax regimes, pension systems, currencies and investable jurisdictions. For example, the Organisation for Economic Co-operation and Development (OECD) notes that individuals can become tax residents of more than one country under the domestic laws of such jurisdictions.

This article covers how expat wealth management works: what it is, what its key components are and how to deploy a global asset strategy effectively.

Hoxton Wealth supports a large global expat client base with significant assets under advice across UK, EU, US and international jurisdictions.

With deep knowledge of cross-border tax, investment and legal advisory across the UK, US, EU and beyond, our regulated advisers have extensive experience supporting expatriate and globally mobile clients across multiple jurisdictions. Our global reach allows us to offer a detailed perspective on this topic.

Cross-border advice is provided only through the appropriately regulated Hoxton Group entity depending on the client's location at the time of advice. Hoxton Wealth UK may only advise clients physically located in the UK.

Expat wealth management is a comprehensive way to plan finances for people who live, work, or invest across multiple countries.

Unlike conventional wealth management, which may focus narrowly on investment returns and local tax, this approach encompasses cross-border tax alignment, pension portability, currency exposure, estate planning and global compliance.

It is particularly relevant for professionals living abroad, retirees offshore, globally mobile executives and high-net-worth individuals (HNWIs) with international assets.

Think of these pillars as the framework for building and preserving global wealth. Each one addresses a real challenge faced by people who live, work or invest across borders.

Many expats try to manage wealth themselves or rely on local advisers who lack true cross-border knowledge. This can lead to inefficiencies, missed reliefs or worse, unexpected tax liabilities.

At Hoxton Wealth we have knowledge of expatriate wealth management, with a focus on global planning, cross-border tax and multi-jurisdiction investing.

Our solutions include:

Digital and Advisory Platform

A client-centric environment where your global net worth, cash-flow projections, investment dashboards and account synchronisation live in a high-security, regulated platform. Via the WealthFlow app you link all your accounts and view your assets anywhere.

Deep Global Experience

We serve US, UK and EU expatriates, HNWIs and globally mobile executives, supported by our international offices.

Global Legal and Tax Network

Our advisers access cross-border tax, legal and estate-planning professionals in each jurisdiction to coordinate an integrated strategy from day one.

Tailored HNWI Strategies

For high-net-worth individuals with complex asset structures, multiple currencies or cross-border income sources, we build bespoke portfolios and legacy plans aligned with your mobility.

Outcomes You Can See

For example: A US-based executive living in Singapore who integrated their US pension, Singapore-resident assets and UK property within one global dashboard, resulting in clearer net worth insight, optimised pension draw-down across currencies and lower overall tax leakage.

Regulated Assurance

Hoxton Wealth is regulated in multiple jurisdictions and follows robust compliance standards, aiming to provide confidence around global reporting and oversight. Hoxton Group entities are separately regulated in each jurisdiction. Services offered vary depending on the licence held and the client's residency.

For additional detail, see our Financial Planning service page and our Investment service page.

In an interconnected world, expat wealth management is essential for anyone living or investing across borders.

We have covered what this discipline is, why it matters and how Hoxton Wealth can help you structure your global assets, optimise tax and invest with clarity.

If you are ready to make your international wealth work smarter and more efficiently, book a consultation with Hoxton Wealth.

Important: Please read this notice before proceeding.

This article provides general information only and does not constitute personal financial advice. Any recommendations will depend on your individual circumstances, objectives, residency and regulatory status.

Cross-Border Financial Advice: Cross-border financial advice can only be provided by the appropriately authorised Hoxton Group entity depending on your location at the time of advice. Hoxton Wealth UK is regulated by the FCA and may only advise clients physically located in the UK.

Tax Advice Disclaimer: Hoxton Wealth does not provide formal tax advice. All tax matters should be reviewed with a qualified tax adviser in your country of residence. We coordinate with international tax specialists as part of our planning process. Tax treatment depends on individual circumstances and may change. You should consult qualified tax advisers in the relevant jurisdictions before making investment or financial decisions.

Legal Advice Disclaimer: Hoxton Wealth does not provide legal advice. Estate-planning strategies and legal arrangements are implemented in coordination with appropriately qualified legal professionals in your jurisdiction(s).

Investment Risk Warning: Investments carry risk. The value of investments can fall as well as rise, and you may receive back less than you invested. Past performance is not a reliable indicator of future results. Currency movements may affect the value of your assets or income.

Overseas Pension Transfers: Overseas pension transfers (including QROPS, QNUPS, SIPPs, IRAs and similar vehicles) are complex and may involve additional tax charges, higher costs or loss of certain UK protections. Suitability depends entirely on individual circumstances and regulatory status. Professional advice should always be obtained before proceeding.

Regulatory Status: Hoxton Group entities are separately regulated in each jurisdiction. Services offered vary depending on the licence held and the client's residency at the time of advice. You should verify the appropriate entity and its regulatory permissions before engaging services.

No Personal Advice: This article has been prepared for general information purposes only. It does not take into account your personal circumstances, objectives or financial situation. Before taking any action based on this information, you should seek personalised advice from a qualified financial adviser.

If you have any questions about your suitability for any of Hoxton Wealth's services, or require clarification on regulatory permissions, please contact us directly.