Financial advice built around the realities of an international life.

Two people living in the same European country can have very different financial planning needs.

One may be a British professional with UK pensions and property. Another may be an American executive dealing with financial connections to the US. A European national returning home after a decade abroad may face a different set of decisions again.

The relevant advice depends on where you live, where you have lived, what you own, your nationality and citizenship, your family circumstances, and what you plan to do next.

That is why international financial planning needs to begin with the complete picture.

Find the situation closest to yours below.

Living in Europe while retaining financial connections to the UK can leave important parts of your wealth operating under different rules.

You may have UK pensions, investments, property, or other assets alongside the wealth you are building in your country of residence. Retirement, tax, estate planning, and investment decisions may therefore need to be considered across both sides of the relationship.

We help British expats bring those arrangements into one clearer financial plan.

Explore Financial Advice for British Expats in Europe

Some of the most useful financial planning can happen before you move. 

Relocation can change the context in which your income, investments, pensions, property and estate arrangements are considered. Decisions made before or shortly after becoming resident in another country may also have longer-term implications. 

Planning early gives you time to understand what needs attention, what may be better left unchanged and where country-specific tax or legal advice is required. 

Explore Financial Planning Before Moving to Europe

Moving from one European country to another does not necessarily make your financial life simpler. 

You may retain pensions, investments, property or family interests in your home country while accumulating assets elsewhere. Over time, those arrangements can become increasingly disconnected. 

A coordinated plan can help you understand how the different parts fit together and what your international position means for the goals you are working towards. 

Explore Financial Advice for Europeans Abroad

Returning home after living abroad can be as financially significant as leaving in the first place. 

You may arrive with pensions, investments, savings or property accumulated under another financial system. Your income and family circumstances may also have changed considerably since you left. 

Reviewing your position before the move can help identify the financial, tax and planning questions that deserve attention before your residence changes. 

Explore Financial Planning for Returning Europeans

You do not need to be British to have substantial financial connections to the UK. 

Perhaps you worked there earlier in your career and still have UK pensions. You may own UK property, hold investments there or have family and estate-planning considerations that connect you to the country. 

Those assets need to be understood in the context of where you live now, rather than considered as isolated UK arrangements. 

Explore Advice for EU Residents With UK Assets

US citizens and green-card holders can retain important financial connections to the United States while living abroad. 

That can make financial planning particularly interconnected, especially where US retirement accounts, investments, employment benefits and European assets form part of the same financial position. 

Coordinating those elements can provide a clearer basis for investment, retirement and wider planning decisions, with specialist tax input where required. 

Explore Financial Advice for Americans in Europe 

A senior international career can create financial arrangements across employers, countries and currencies. 

Your position may include pensions from previous assignments, share plans, bonuses, deferred compensation, investments, property and benefits accumulated in several locations. Another move or eventual retirement can add further decisions. 

We help international executives bring these elements together and understand how today's career decisions connect with longer-term financial objectives. 

Explore Financial Planning for International Executives

As wealth grows, coordination often becomes as important as the individual financial decisions themselves. 

You may have investment portfolios, pensions, property, business interests and estate arrangements spread across different providers or jurisdictions. Several professional advisers may also be involved. 

We help create a clearer view across those moving parts, connecting financial planning, investments and relevant tax and legal considerations within a wider strategy. 

Explore Wealth Planning for High-Net-Worth Individuals and Families

International families do not always fit neatly within one financial system. 

Partners may have different nationalities. Children may live, study or work in another country. Assets may be spread internationally, while future plans could include relocation, education, retirement or passing wealth between generations. 

Good planning needs to recognise those connections rather than dealing with each issue separately. 

Explore Financial Planning for Cross-Border Families

For business owners, personal and corporate wealth can be closely connected. 

The business may represent a significant proportion of your net worth. Your personal financial plan may depend on future dividends, a sale, succession or another liquidity event. Protection and estate considerations can also extend across the business and your family. 

Bringing personal wealth and business planning into the same conversation can provide a clearer view of the decisions ahead. 

Explore Wealth Planning for Business Owners and Entrepreneurs

An international career can build wealth in several places at once. 

Changing employers or countries may leave you with pensions, investment accounts and other financial arrangements that no longer sit within one coherent plan. You may also be deciding where to settle, how long to remain abroad or what your next move means financially. 

We help internationally mobile professionals keep those decisions connected to their longer-term plans. 

Explore Financial Planning for Professionals Working Abroad

Retirement abroad changes more than your address. 

Your income may come from pensions and investments held in several countries or currencies. Your spending may be in another currency again. Tax residence, estate planning and the location of your family can add further considerations. 

A coordinated retirement plan can help you understand where your income may come from, how your assets work together and which areas require specialist local advice. 

Explore Financial Advice for Retirees Living in Europe

International financial lives rarely fit into a single label. 

You might be a British expat, an international executive and a business owner. You could be an American living in Europe with a cross-border family. Or you may be approaching retirement while deciding whether to remain abroad or return home. 

You do not need to decide which category matters most before seeking advice. 

The starting point is understanding your complete position: where you live, what you own, the financial systems you remain connected to and what you want your wealth to achieve. 

From there, the relevant planning priorities become clearer. 

International circumstances can affect several areas of your finances at the same time. 

Depending on your position, planning may involve: 

• financial planning and long-term cash-flow modelling 
• investment advice and portfolio management 
• pensions and retirement assets 
• cross-border retirement planning 
• tax-aware financial planning 
• estate and succession considerations 
• property decisions 
• insurance and wealth protection 
• business-owner planning 
• planning before or after an international move 

The objective is not to treat each issue as a separate project. 

It is to understand the connections between them, coordinate the relevant advice and keep your financial plan aligned as your circumstances change. 

Explore Wealth Advice 

Explore Cross-Border Wealth Planning 

Your personal circumstances are only one part of international financial planning. 

The country where you live can affect the rules and considerations surrounding tax, investments, pensions, property and estate planning. Those rules differ across Europe, so advice needs to reflect the jurisdictions relevant to you rather than treating Europe as a single financial system. 

Our country pages provide a starting point for understanding some of the financial planning considerations associated with living in, or moving to, particular European markets. 

Explore Countries & Destinations

International wealth can become fragmented gradually. 

A pension stays behind after one move. An investment account remains in another country. Property, family responsibilities or a business add further connections. Different advisers may look after different pieces. 

The first step is often not another financial product. It is understanding what you already have and how the pieces relate to one another. 

Hoxton Wealth helps clients build that clearer picture, identify the decisions that matter and coordinate the appropriate financial planning around them. 

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