Act I - Departure
You relocate. Everything changes.
A new country. The same pension left behind. Financial arrangements built for one life, now living another entirely.
Cross-border financial introductions
Find your expat financial adviser.
Both sides of the border, handled carefully.
We connect internationally mobile households with financial advisers who understand life on both sides of a border. No advice given. No auto-forwarding. Ever.
No commitment. No financial advice.
Countries served
Submissions read by a person
Details auto-forwarded
The cross-border problem
Most people arrive here after the same quiet escalation. Follow the thread.
Act II - Complexity
The complexity builds quietly.
Tax in two jurisdictions. Pension rules that vary by country. Insurance that no longer covers you. It accumulates, until it demands attention at exactly the wrong moment.
Act III - The search
Everyone knows one side. Few know both.
Home-country advisers understand home regulations. Local advisers understand the host country. The specialist who sees your full picture across borders is rare, and hard to find alone.
Act IV - Pharos
That is where we come in.
Pharos Introductions connects internationally mobile households with specialists who genuinely understand life on both sides of a border. No advice. Just the right introduction.
Act V - The introduction
The right specialist, in days not months.
A short structured intake. Manual review by a human. A curated introduction to the right specialist for your exact situation.
How we work
A precise, human-led process, from your first enquiry to a qualified specialist introduction.
Send your brief
Submit a short structured questionnaire - your situation, your location, what needs resolving. No documents required yet.
Five minutes. No documents. No obligation.
We prepare the file
We organise your information into a clear review brief - built to give any specialist the context needed for a meaningful first conversation.
Built to brief the specialist, not to file away.
Manual clearance
A person reads every submission. Eligibility, fit, and compliance are assessed before any introduction pathway is considered.
A person reads every submission. No algorithm decides.
Who we help
Pharos works with internationally mobile individuals. If one of these sounds familiar, we can help.
The Corporate Expat
Relocated by your employer, pension in limbo, navigating tax across two countries.
You have a UK pension sitting untouched and uncertain whether to leave it, transfer it, or simply review it. Tax year becomes a source of anxiety rather than routine.
The Self-Directed Mover
Chose to relocate for lifestyle or opportunity, and need to restructure everything from scratch.
Your UK-based savings, insurance and investment plans were not designed for an expat life. Everything needs reviewing with someone who understands both sides.
The Seasoned Expat
Already several years abroad, with accumulated products across jurisdictions that need consolidating.
You have built up a mixture of financial arrangements and need a specialist who sees the full picture - not someone who only understands one part of it.
The Returnee
Planning to move back - whether to the UK, US, or home country - after years abroad. Offshore structures need untangling before you arrive.
The complexity of returning often exceeds the complexity of leaving. HMRC or IRS, pension transfers, offshore bonds - it all needs addressing before you land. The jurisdiction you are returning to changes everything.
Who we help
Holistic Financial Planning
Six specialist service categories. Every introduction is matched precisely to your situation - no generic referrals, no shortcuts.
Protection
- Health Insurance
- Life Insurance
- Indexed Universal Life
Savings & Investment
- Regular Savings
- General Investment Account
- Offshore Bonds
- Currency Exchange
- Corporate Services
Retirement Planning
- UK Pension Tracing Service
- UK State Pension Service
- UK Pension Review Service
- SIPP
- QROPS
- Cashflow Modelling
Tax & Estate Planning
- UK Inheritance Tax Planning
- Wills
- Tax Advice
- UK Tax Code Service
- UK Tax Return Service
- US Estate Tax Planning
Mortgages
- Expat & international mortgages
- Buy-to-Let (expat)
- Overseas property finance
Financial Health Check
- Adviser Fee & Suitability Check
Specialist service
Americans living overseas face compliance complexity that most advisers can’t handle. We introduce US citizens and green card holders to the specialists who can.
What follows you across borders
- FBAR & FATCA reporting - annual foreign account disclosure obligations
- IRA & 401(k) cross-border treatment - jurisdiction-specific rules apply
- US estate and gift tax exposure - regardless of where you live
Why a specialist matters
The US tax system follows citizens across borders. An adviser who understands UK expat finance but not US cross-border law is the wrong person for this situation.
We introduce US citizens and green card holders to specialists who understand both sides - HMRC and IRS, pension transfers and IRA rules, foreign account reporting and treaty relief.
See how it works for US persons →Client stories
“After years carrying a UK pension abroad, finding the right person to explain our options felt impossible. The introduction was made within days, and the specialist was exactly right for our situation.”
“Clear process, no pressure. We were introduced to someone who actually understood life across three different tax jurisdictions. That is genuinely rare.”
“I did not know where to start with my pension transfer options. The questionnaire helped me work out what I actually needed, and within a week I had the right conversation.”
“Three years in Asia and our financial life had drifted across too many products. The introduction gave us a specialist who treated the complexity as completely normal - because for them, it was.”
How we handle every enquiry
- Introducer service only - no financial advice is given on this website
- Every submission is manually reviewed before any introduction is considered
- Your details are never automatically shared with any third party
Common questions
Finding an expat financial adviser: common questions
How do I find an expat financial adviser?
Start by identifying your country of residence, your pension position, your tax residency, and any cross-border assets. Pharos Introductions uses that context to match you with a vetted expat financial adviser who has handled your type of situation before. We are an introducer, so we connect you with the adviser; we do not give advice ourselves.
Find an expat adviserIs Pharos Introductions a financial adviser?
No. Pharos Introductions is an introducer, not an adviser. We do not recommend products, manage money, or provide financial, tax, or pension advice. Any advice comes solely from the regulated expat financial adviser you choose to engage.
About Pharos IntroductionsWhat does it cost to be introduced to an expat financial adviser?
Requesting an introduction is free for you. The adviser pays a referral fee only if you choose to engage them, so there is no charge to you for the introduction itself. Any fees for advice are agreed directly between you and the adviser.
See how it worksWho is the Pharos service for?
Pharos works with internationally mobile and expatriate individuals whose finances cross borders: a pension in one country, savings or tax in another. If your situation spans more than one jurisdiction, the service is built for you.
Who we helpAre the advisers in your network regulated and vetted?
Yes. We only introduce you to specialists who hold the appropriate regulatory authorisation in their jurisdiction, and we verify that status as part of vetting. Pharos itself does not provide advice and holds no advisory mandate.
Explore servicesWhat happens to my details after I enquire?
Every enquiry is read and reviewed by a person before anything happens. Your details are never automatically forwarded to any third party. If a suitable introduction is appropriate, we contact you first, and nothing is shared without your knowledge.
Start a requestReady to begin
Find the right specialist, today.
Takes 5 minutes. No commitment. No financial advice.