Spain
Living in Spain can leave important parts of your financial life connected to other countries.
You may hold investments established before the move, UK or other overseas pensions, property elsewhere or assets denominated in different currencies.
A financial review can help consider:
- existing investments
- retirement objectives
- overseas pensions
- cash and liquidity
- currency exposure
- property within your wider financial position
- the effect of future relocation plans
Spanish tax and legal matters require appropriately qualified local advice where relevant.
Financial and investment advice can then take those specialist conclusions into account where they affect the wider plan.
Portugal
A move to Portugal may bring together financial arrangements accumulated under several different systems.
You may have investments abroad, pensions from a previous career, property in another country or substantial cash following a move or business transaction.
The starting point is to establish what you hold and what each part of your wealth is intended to achieve.
Investment planning can then consider matters such as:
- objectives
- risk
- liquidity
- existing portfolios
- retirement
- relevant currencies
- future mobility
Where Portuguese or cross-border tax questions arise, these should be addressed separately by appropriately qualified tax professionals.
France
Internationally mobile residents in France may retain investments, pensions and property elsewhere.
That can make it useful to consider your financial position as a whole rather than account by account.
Questions may include:
- Do existing investments still reflect your objectives?
- Are portfolios held across several providers?
- Which pensions may contribute to retirement?
- What currencies are relevant to your future spending?
- Is a future move still possible?
- Does property represent a significant proportion of your wealth?
French legal and tax matters remain separate specialist areas.
Germany
A career in Germany can form one part of a longer international financial life.
You may have pensions from earlier employment, investments held abroad, company shares or financial arrangements established before relocating.
Financial planning can help establish how those assets relate to:
- longer-term investment objectives
- retirement
- liquidity
- risk
- diversification
- future expenditure
- potential further relocation
Where tax, employment-law or other specialist questions arise, the appropriate local advisers should be involved.
Italy
Living in Italy while retaining wealth abroad can create several financial connections.
You may hold international investments, overseas pensions, property or business interests.
Those assets do not necessarily need to be changed simply because your residence has changed.
They do need to be understood in the context of:
- your current objectives
- investment suitability
- liquidity
- retirement
- currency
- future location
- the wider balance sheet
Italian tax and legal implications should be assessed separately where specialist advice is required.
The Netherlands
International professionals often move to the Netherlands with financial arrangements already established elsewhere.
These can include:
- investments
- employer shares
- pensions
- cash in several currencies
- property abroad
A review can help identify whether those arrangements still support the same long-term objectives and how they fit together.
For investors who expect another international move, portability and future flexibility may also deserve consideration.
Ireland
Ireland can be relevant both to people moving there and to those returning after building wealth internationally.
You may arrive with:
- overseas investments
- pensions
- employer benefits
- property
- cash accumulated abroad
The financial-planning task is to understand how those assets contribute to your current and future objectives.
Any Irish or cross-border tax and legal matters should be addressed by appropriately qualified specialists where required.
Malta
International residents in Malta may have financial arrangements spread across several countries.
A coordinated financial review can help consider:
- investments
- retirement assets
- liquidity
- currency
- risk
- family objectives
- future mobility
The investment strategy should reflect the client's objectives and circumstances rather than relying on a generic approach for people who have moved abroad.
Country-specific tax and legal questions remain separate specialist matters.
Cyprus
Cyprus is also the home jurisdiction of Hoxton Capital Management (Europe) Ltd.
The Cyprus Securities and Exchange Commission lists Hoxton Capital Management (Europe) Ltd as a Cyprus investment firm under licence number 432/23, company registration number HE 417287.
For clients living in Cyprus, financial planning may involve:
- investment advice
- existing overseas investments
- retirement assets
- international pensions
- cash and liquidity
- currency
- family objectives
- future relocation
Tax and legal matters should be distinguished from regulated investment advice and referred to appropriately qualified specialists where required.
Norway
Norway is not an EU Member State, but it is one of the three EEA EFTA States and therefore forms part of the EEA.
For internationally mobile residents, financial planning may involve investments and retirement assets accumulated in several countries.
Country-specific service availability should be confirmed before regulated advice is provided.
Additional EU/EEA Country Guides
The wider EU content architecture also provides for country journeys covering:
- Belgium
- Luxembourg
- Austria
- Greece
- Denmark
- Sweden
- Finland
- the Czech Republic
- Poland
These pages can provide more specific information for people living in those markets as the country content library develops.
They should only describe regulated services that are available to clients in the relevant jurisdiction.
Explore All EU/EEA Country Guides
Why Switzerland Is Not Included in This Hub
Switzerland is geographically part of Europe and a member of EFTA.
It is not part of the EEA.
The amended HCM EU content review therefore places the existing Financial Planning in Switzerland page on hold pending confirmation of the responsible authorised entity, because Switzerland sits outside the EU/EEA scope defined for these pages.
Switzerland should not be presented within this EU/EEA country hub unless the relevant service route and responsible entity are separately confirmed.
Your Country of Residence Is Only One Part of the Picture
Where you live is important.
It is rarely the only country that matters.
Consider someone living in Spain who:
- holds pensions in the UK
- retains investments established before moving
- owns property in another country
- expects to retire elsewhere in the EU/EEA
- Or an executive in the Netherlands who:
- holds company shares
- has pensions from previous assignments
- maintains investments abroad
- expects another international move
A country-only view can miss important parts of the financial position.
That is why country-specific financial planning should still begin with the complete picture.
Investments After Moving Country
Moving to another EU/EEA country does not automatically mean existing investments need to be changed.
A move can, however, justify a review.
Questions can include:
- Can your provider continue to service you?
- Do your investments still match your objectives?
- Has your investment timeframe changed?
- Has your future spending currency changed?
- Do you expect another move?
- Are there tax questions that require specialist advice?
The appropriate response depends on the investment and your circumstances.
HCM EU does not provide tax advice.
Where taxation may affect an investment decision, an appropriately qualified tax adviser should assess the position.
Explore Investment Advice
Pensions Built Across Countries
International careers can leave pensions and retirement rights in several countries.
Within the EEA, different national systems remain relevant even where coordination frameworks apply.
Private and workplace pensions may also have their own:
- benefits
- guarantees
- investments
- access rules
- charges
- transfer provisions
The fact that several pensions exist does not mean they should automatically be consolidated.
A useful first step is understanding what each arrangement provides and how it fits your retirement objectives.
Explore Pensions and Retirement Assets
Retirement in Another EU/EEA Country
Retirement plans can become more involved when your assets were built somewhere different from where you intend to spend them.
You may have:
- pensions paid from abroad
- investment portfolios
- property
- cash
- assets in several currencies
Investment and financial planning can help consider how those resources support your expected retirement spending and risk requirements.
Taxation, residency, healthcare and legal questions are distinct subjects that may require appropriately qualified local specialists.
Explore Retirement Investment Planning
Currency Matters Across the EU/EEA
Not every EU/EEA country uses the euro.
Even within an international portfolio, the currency shown on an account is only part of the picture.
Your financial position may involve:
- income in one currency
- investments exposed to several currencies
- property elsewhere
- pensions paid in another currency
- future expenditure in euros or another local currency
Currency exposure should be considered in the context of investment objectives and future financial needs.
HCM EU does not present currency as a separate foreign-exchange management or hedging service.
Explore Currency Risk in Investment Planning
Property in Another Country
Property often remains financially relevant after a move.
You might retain a former home, own an investment property elsewhere or be considering a future retirement property.
From a financial-planning perspective, property can affect:
- liquidity
- borrowing
- concentration
- currency
- retirement
- future capital requirements
HCM EU does not provide general property, conveyancing or property-tax advice as part of its investment service.
Where legal or tax matters arise, separate specialist advice is required.
Explore Property Considerations in Investment Planning
Tax Depends on the Jurisdiction
Personal taxation is not harmonised into one EU/EEA system.
Where tax affects investments, pensions, property, relocation or other financial decisions, the relevant domestic law and, where applicable, international agreements need to be considered.
HCM EU does not provide tax advice.
Its role within investment planning is to recognise where taxation may affect a financial decision and, where relevant, take appropriate specialist tax advice into account.
Explore Tax Considerations in Investment Planning
Estate and Succession Questions Are Separate
An internationally mobile family may own assets in several jurisdictions or have beneficiaries living elsewhere.
That can create questions around:
- succession
- wills
- ownership
- powers of attorney
- inheritance taxation
These are legal and tax matters rather than investment-advice services.
HCM EU does not provide legal, will-writing or trust services.
Where estate or succession matters need advice, appropriately qualified professionals should be involved.
Relevant conclusions can then be taken into account where they affect the client's investment objectives or wider financial circumstances.
Explore Estate and Succession Considerations
Moving Between EU/EEA Countries
Freedom to move within parts of Europe does not mean financial arrangements become identical from one country to another.
A move can change:
- provider access
- your spending currency
- employment arrangements
- retirement assumptions
- the relevance of existing investments
Tax and legal consequences may also change, but these require separate specialist analysis.
Reviewing your financial position before a move can help distinguish between arrangements that remain suitable and those that deserve closer attention.
Explore Moving Within the EU/EEA: Investment Considerations
Financial Planning Before a Move
If you know you are relocating, it can be useful to review your financial position before your residence changes.
That review might consider:
- existing investments
- pensions
- cash
- employer shares
- future spending
- currency
- property within the wider balance sheet
- significant planned transactions
The purpose is not to reorganise everything before departure.
It is to identify decisions that may be more difficult to assess once circumstances have changed.
Where pre-move tax or legal advice is required, this should come from appropriately qualified specialists.
Service Availability by Country
A country appearing within the EU/EEA does not, by itself, establish that every HCM EU service or financial instrument is available to every resident.
Availability can depend on:
- client residence
- the regulated service required
- relevant permissions
- the financial instrument
- provider or product restrictions
- individual circumstances
Hoxton Capital Management (Europe) Ltd is authorised by the Cyprus Securities and Exchange Commission under licence number 432/23.
The appropriate service and regulatory basis should be confirmed before personalised regulated advice is provided.
How Country-Based Financial Planning Can Work
We begin with your current residence and the countries connected to your financial position.
We consider what your investments and wider financial resources need to support.
Investments, pensions, cash and other relevant assets can be brought into one view.
Residence, provider access, currency and other relevant factors can be identified.
Where tax, legal or other questions sit outside HCM EU's service scope, appropriately qualified professionals should provide that advice.
Where appropriate, investment advice can be provided within HCM EU's applicable regulatory permissions.
Another relocation, retirement, business sale, inheritance or significant change in objectives can justify revisiting the plan.
FAQs
The EEA includes all EU Member States plus Iceland, Liechtenstein and Norway.
No.
Switzerland is an EFTA member but is not a party to the EEA Agreement.
The HCM EU compliance review therefore places the Switzerland country page on hold pending confirmation of the appropriate authorised entity.
The revised HCM EU scope review determined that Countries & Destinations was too broad, particularly because Switzerland had been included.
It recommends EU/EEA Countries so the page title reflects the intended HCM EU service territory.
No.
EU and EEA frameworks operate across many areas, but countries retain their own national systems in important matters affecting individuals.
Country-specific financial circumstances therefore still matter.
Not automatically.
Service availability depends on the client's residence, circumstances, the service required and HCM EU's applicable regulatory permissions.
The availability of a particular product or financial instrument can also vary.
Potentially.
The position depends on the investment, provider, your new residence and relevant restrictions.
A move is a reason to review an existing arrangement, not an automatic reason to close or transfer it.
Not necessarily.
The appropriate investment strategy depends on your objectives, risk, timeframe and circumstances.
Country of residence can affect implementation and provider access, but it does not mean every relocation requires an entirely new portfolio.
No.
The revised service-scope review states that HCM EU does not provide tax advice.
Where personal or cross-border taxation affects a financial decision, advice should be obtained from an appropriately qualified tax professional in the relevant jurisdiction.
No.
HCM EU does not provide legal, will-writing or trust services.
Country-specific legal questions should be addressed by appropriately qualified lawyers.
Useful areas can include:
- existing investments
- provider servicing
- pensions
- cash
- currencies
- employer shares
- expected future expenditure
- major planned transactions
Tax and legal matters should be reviewed separately with appropriately qualified specialists where required.
Potentially, subject to HCM EU's ability to provide the relevant service.
Future mobility can be considered when assessing investment objectives, liquidity, provider access and portfolio portability.
The country-content architecture is being developed in phases.
Priority markets have dedicated country journeys, while additional country pages can be added as the content programme develops and service availability is confirmed.
Norway is one of the three EEA EFTA States and is part of the EEA.
Country-specific service availability should still be confirmed for the individual client and service required.
Start With the Country You Live In
Where you live can change the context around your investments and wider financial position.
But it rarely tells the whole story.
Pensions may remain elsewhere. Investments may have been built abroad. Property and family may connect you to other jurisdictions. Another move may still be ahead.
The purpose of the country pages is to give you a clearer starting point without treating the EU/EEA as one uniform financial system.
Hoxton Capital Management (Europe) Ltd provides financial and investment advice within its applicable regulatory permissions, with specialist tax, legal and other advice kept clearly separate where required.
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