Living Abroad, Managing Wealth Globally
For Australians living and working abroad, managing wealth across jurisdictions demands clarity and strategy.
Whether you’re in London, Dubai, Singapore, or Madrid, financial rules differ - but your long-term goals stay the same.
From superannuation and UK pension transfers to global tax and investment strategies, your financial life becomes more complex when it spans multiple countries. At Hoxton Wealth, we specialise in supporting Australian expats with globally aligned financial strategies - helping you review and coordinate various aspects of your wealth across jurisdictions.
Australians who move abroad often leave superannuation accounts behind - sometimes spread across multiple providers, each with different fees, investment structures, and performance levels. Reviewing and consolidating your superannuation is an important first step toward effective global planning.
For those now earning and investing overseas, it’s also essential to understand how super interacts with foreign pension schemes, particularly UK pensions.
Contribution rules, retirement ages, and withdrawal taxation differ significantly between Australia, the UK, and other countries - and small missteps can have lasting financial consequences.We can provide general guidance on how your superannuation fits within your global financial position. Personal advice relating to Australian superannuation is provided only through appropriately licensed Australian professionals.
Our goal is to help you transition from simply managing accounts to orchestrating a unified retirement strategy that works globally.
Many Australian expats have worked in the UK at some point - leaving behind defined benefit or defined contribution pensions. These assets often remain unmanaged and can lose relevance as life progresses abroad.
Any advice on transferring UK pensions is subject to FCA requirements, including mandatory suitability assessments and, where applicable, UK Pension Transfer Specialist (PTS) oversight.
Hoxton Wealth operates through several regulated entities. Advice is provided only where we hold the appropriate regulatory permissions, and certain services may not be available in all jurisdictions.
We help Australian expats:
- Evaluate whether transferring a UK pension overseas or to a SIPP is appropriate.
- Understand currency risk, lifetime allowance, and future access options.
- Integrate pension assets into a broader global investment strategy that includes superannuation and other savings.
- Review UK tax residency impacts when drawing pension income abroad.
Our pension specialists ensure that any decisions you make today support both retirement income flexibility and cross-border tax efficiency in the future.
For Australians abroad, residency status often determines tax obligations. The distinction between being an Australian tax resident and a non-resident affects how income, capital gains, and superannuation are taxed.
Misunderstanding this can lead to double taxation - or missed opportunities for efficiency.
We support clients in understanding key cross-border financial considerations, including:
- Double Taxation Agreements (DTAs): Understanding how Australia’s network of tax treaties affects earnings and investment income.
- Non-resident taxation: Managing the implications of investment property ownership or Australian income while living abroad.
- UK tax residency and domicile: Assessing exposure to UK taxes and inheritance rules for long-term residents.
- Offshore investment structuring: Ensuring portfolios are compliant yet optimised for multi-jurisdictional living.
With advisers regulated in the UK, EU, DIFC (Middle East), Australia, the US, and Asia, Hoxton Wealth delivers tax-aware financial strategies that connect all aspects of your international life.
Global citizens like Australian expatriates often hold assets in multiple currencies, countries, and investment vehicles. The challenge isn’t just growing wealth - it’s doing so efficiently and cohesively across borders.
At Hoxton Wealth, we provide access to a global investment platform that allows you to manage and view your entire portfolio in one place. Whether your base currency is AUD, GBP, USD, or EUR, our approach ensures diversification while maintaining clarity.
We work with clients to design investment strategies that consider global residency, currency, and regulatory requirements - coordinating where necessary with authorised professionals in relevant jurisdictions.
Through a balance of personal advice and technology, our clients benefit from the Hoxton Wealth App - a secure way to view assets, track net worth, and stay connected to your financial planner wherever you are.
Hoxton Wealth operates under multiple regulated entities, providing continuity of service to clients across continents.
Our advisers understand both Australian financial systems and the complexities of cross-border planning, ensuring that clients never feel “between jurisdictions.”We hold regulatory licences in:
- UK (FCA-regulated advice on pensions and investments)
- EU (via Cyprus licence)
- Middle East (DIFC)
- Australia (for clients returning home or keeping assets there)
- United States and Asia (through regulated partners and local compliance structures)
This structure allows us to deliver globally integrated wealth advice - meaning your financial plan is still valid and actionable, wherever life or career takes you next.
Case Example
An Australian professional living in the UAE
Sarah, an Australian engineer based in Dubai, had a UK pension from a previous role in London and two separate superannuation accounts back home. She wanted to know whether to consolidate or transfer her pensions, how her UAE residency affected her Australian tax position, and how to plan for her eventual return to Sydney.
Hoxton Wealth helped her:
- Conduct a full pension and superannuation audit, clarifying fees and projected values.
- Create a retirement income model considering both UK and Australian systems.
- Build a multi-currency investment strategy in line with her risk profile and timeline.
- Establish a succession and estate plan spanning assets in three jurisdictions.
The result was a cohesive plan that connected all parts of her wealth - positioning her for a confident and flexible retirement wherever she chooses to live.
Hoxton Wealth helps Australian expats connect their wealth across borders — from super to savings, pensions to property — ensuring every part of their financial life is aligned globally.
Whether you’re just starting your international journey or preparing to return home, our planners can help you make informed, compliant, and strategic decisions about your wealth.
Why British Expats Choose Hoxton Wealth
Specialist expertise
in international financial planning
Global presence
with advisers across major expat hubs
Technology-enabled advice
with advisers across major expat hubs
Personalised strategies
tailored to your goals, residency, and family situation
Book a Consultation
Speak with one of our financial planners to review your international retirement and investment strategy.
FAQs
Yes - but options are limited. Transfers to Australian super funds are typically restricted to those aged over 55 and require the receiving scheme to be a recognised QROPS. Many expats instead consider transferring to a UK-based SIPP or leaving pensions in the UK while managing them strategically.
Residency determines whether you’re taxed on global income or only on Australian-sourced earnings. Non-residents generally pay tax only on Australian income, but capital gains and property investments may still trigger tax events.
A combined approach works best - aligning investment strategies and withdrawal planning across both systems. Hoxton Wealth helps ensure contributions, access ages, and tax rules are coordinated effectively.
Yes. Our advisers can review existing super funds, coordinate them with international assets, and help you integrate them into your broader wealth plan, even while you live overseas.
Important Information & Disclaimers
This content is intended for general informational purposes only and does not constitute personal financial, tax, or legal advice. Hoxton Wealth does not provide legal services in all jurisdictions. The availability of services described here may vary based on your location, regulatory status, and personal circumstances. Regulated advice is provided only under the appropriate licensing authority.
For details on our regulatory permissions and global licences, visit: https://hoxtonwealth.com/licencing.
This conflicts with UK pension transfer ref above change to “Some services described may not be available to individuals located in Australia, the United States, or the United Kingdom. Availability depends on local regulatory permissions.” “Where this communication is issued to UK residents, it has been approved by Hoxton Wealth UK Ltd, authorised and regulated by the Financial Conduct Authority.
