Top 6 WealthTech Companies for Expat Wealth Management

Hoxton Wealth

Overview

Hoxton Wealth is designed for expats and internationally mobile professionals. The platform brings together information from bank accounts, investment portfolios, pensions and selected alternative assets held across different jurisdictions. It aims to present an aggregated view of a user’s financial position without requiring multiple logins or extensive manual reconciliation. The platform places emphasis on cross-border visibility, multi-currency reporting and digital access for clients who may relocate or maintain financial arrangements in more than one country.

Key Features

• Net Worth Tracking: Aggregates asset and liability information across connected accounts in multiple currencies.
• Multi-Currency Aggregation: Supports accounts denominated in major currencies, with exchange rate adjustments applied where available.
• WealthFlow Dashboard: Displays aggregated cashflow, asset values and investment performance data.
• Compliance Alerts: Includes reminders and document prompts related to tax reporting or regulatory obligations.
• ESG Screening Tools: Allows users to apply sustainability or values-based filters to supported holdings.

Pricing

Fees typically follow a subscription model combined with asset-based tiers. Pricing depends on the level of service selected and the complexity of the user’s financial arrangements.

Pros

• Focused on expat and internationally mobile users
• Broad support for multi-currency assets
• Centralised dashboard for aggregated financial information
• Accessible via web and mobile applications

Cons

• Some features may require onboarding support
• Certain asset types may need manual configuration

Envestnet

Overview

Envestnet is a long-established WealthTech provider serving financial advisers, wealth managers and institutions. While it is not designed specifically for expats, many of its tools are used by advisory firms supporting clients with assets spread across multiple jurisdictions. Its platform supports account aggregation, portfolio reporting and analytics at a household level.

Key Features

• Advisor Portal: Combines account information, reporting and client insights in a single interface.
• Analytics Tools: Supports portfolio risk analysis, allocation modelling and cashflow projections.
• External Account Aggregation: Allows third-party accounts to be included where data feeds are available.
• Modular Structure: Enables firms to configure platform components based on their operating model.

Pricing

Pricing varies by licensing structure, number of client households and scale of assets managed.

Pros

• Extensive reporting and analytics capabilities
• Widely used by large advisory networks
• Suitable for clients with multiple accounts across institutions

Cons

• Not tailored specifically to expat requirements
• Setup can be complex for internationally dispersed portfolios

Creative Planning

Overview

Creative Planning is a full-service wealth management firm offering investment management, financial planning, international tax guidance and estate planning. Its international division supports United States citizens living overseas who require coordinated advice across jurisdictions. The firm operates on a fiduciary basis and does not offer proprietary investment products.

Key Features

• Integrated Planning: Combines investment, tax, retirement and estate considerations.
• Expat Advisory Team: Works with clients living in many countries and across different regulatory regimes.
• Fiduciary Structure: Advice is delivered without commission-based product incentives.
• Digital Access: Clients can view portfolio and planning information online.

Pricing

Fees are generally asset-based, with tiered pricing that adjusts as portfolio values increase.

Pros

• Established experience with international tax and estate considerations
• Fiduciary advice framework
• Designed for United States citizens living abroad

Cons

• Primarily relevant to U.S. expats
• Minimum asset thresholds may apply

Betterment

Overview

Betterment is a digital investment platform offering automated portfolio management and goal-based planning. While it does not provide expat-specific tax or regulatory tools, it may suit internationally mobile professionals with relatively straightforward investment needs who prefer a rules-based approach.

Key Features

• Automated Portfolios: Uses diversified exchange-traded funds with periodic rebalancing.
• Goal Planning: Supports retirement and savings objectives.
• Digital Platform: Mobile-first interface designed for ease of use.
• Tax Optimisation: Includes tax-loss harvesting for eligible U.S. taxable accounts.

Pricing

Pricing options include subscription-based plans and asset-based fees, depending on service level.

Pros

• Accessible entry point
• Simple user experience
• Suitable for investors with uncomplicated portfolios

Cons

• Limited support for cross-border tax planning
• Not designed for complex international asset structures

St James’s Place

Overview

St James’s Place is a UK-based wealth management firm offering adviser-led financial planning, investment management and retirement advice. Clients also have digital access to portfolio information through an online portal. While some international services are available, the firm’s core focus remains the UK market.

Key Features

• Adviser-Led Planning: Covers investments, pensions, retirement and estate planning.
• Client Portal: Provides online access to portfolio information and documents.
• Adviser Network: Operates through a large network across the UK.

Pricing

Charges typically include initial advice fees, ongoing advice costs and underlying fund charges.

Pros

• Ongoing adviser support
• Broad planning services
• Combination of digital access and human advice

Cons

• Less focused on expat-specific needs
• Costs may be higher than fully digital platforms

BetaNXT

Overview

BetaNXT provides technology infrastructure used by wealth managers, private banks and financial institutions rather than individual investors. Its systems support trading, settlement, data management and operational workflows across jurisdictions and asset types.

Key Features

• Data Platform: Connects operational and reporting workflows across the wealth lifecycle.
• Trading and Settlement: Supports multi-asset and multi-market activity.
• Scalable Architecture: Designed for institutional and high-volume environments.
• System Integrations: Links custody platforms, asset classes and regulatory requirements.

Pricing

Pricing is determined by scope, implementation requirements and institutional scale.

Pros

• Supports complex international operations
• Scalable infrastructure
• Used by large wealth management organisations

Cons

• Not designed for individual investors
• Requires technical implementation resources

Expat investors often face additional layers of complexity when managing wealth across borders. Currency exposure, multi-jurisdiction tax considerations and ongoing oversight can become more challenging as residency changes. WealthTech platforms increasingly play a role in helping investors and advisers organise financial information and monitor international arrangements.

The platforms reviewed above address these needs in different ways. Some focus on expat-specific aggregation and reporting, while others provide advisory services or institutional infrastructure. Choosing an appropriate platform depends on individual circumstances, including asset complexity, residency patterns and the level of professional support required.

This article is for information only and does not constitute financial advice or a recommendation.

Platform availability, features and tax treatment vary by jurisdiction and individual circumstances.

Data feeds may not be real-time or fully comprehensive and depend on third-party providers.