Free at the point of use
You pay Pharos nothing. The specialist pays a referral fee, and only if you decide to engage them after the introduction.
About Pharos Introductions
Not advisers. The light that guides you to one.
Pharos Introductions was built for people whose financial lives refuse to fit inside one country. We organise the context, assess the fit, and make the introduction - then step back entirely.
The problem
You have a pension in a country you left a decade ago. Savings in one currency, income in another. A tax situation that crosses three jurisdictions. You have done the research - and every adviser you find either does not understand the complexity, is not regulated where you live, or treats you like a domestic client with an inconvenient postcode.
“The problem is not that the right specialist does not exist. It is that nobody has built a reliable way to reach them.”
Our purpose
The navigator without a chart
Most expats arrive at the financial question with no map. The products are unfamiliar. The jurisdictions overlap. The advisers are local. You are making cross-border decisions with single-country guidance.
A fixed point in the complexity
Pharos was built to be that fixed point. Not to advise - we are not authorised to and we never will be. But to organise the context, assess the fit, and connect you with someone who is genuinely qualified to help.
The introduction, not the destination
We connect. We step back. The specialist takes it from there. That clarity of role - introducer only, human review, no auto-forwarding - is the foundation everything else is built on.
Why we are neutral
Pharos has no product to push and no reason to favour one specialist over another. Here is what that means in practice.
No products, no custody
Pharos holds no products and takes custody of no money. There is nothing to sell you and no portfolio to manage.
Tied to no provider
Pharos is not owned by, or tied to, any single provider, product, or platform. An introduction is built around your situation, not a panel we are obliged to fill.
A poor match helps no one
The service only works when the introduction is right. Fit is the thing it is built around, because a mismatch wastes everyone's time.
How we select
Every specialist is checked by a person, not an algorithm, before they can receive a single introduction. We verify their regulatory standing in their own jurisdiction and assess them against four criteria. All four must be met.
Regulatory standing
Authorised and in good standing with the relevant regulator for their jurisdiction and service type. Non-negotiable.
Cross-border experience
A demonstrable track record advising clients with multi-jurisdiction complexity - not domestic clients with occasional overseas exposure.
Service fit
The right specialism for the client brief - pension, protection, tax, mortgage - not a generalist stretched beyond their expertise.
Compliance culture
Firms that treat compliance as a standard, not a formality. No grey-area products. No aggressive sales culture.
Who we connect you with
We do not make introductions outside of this. Regulatory standing is the first criterion - and the non-negotiable one.
International (non-EU)
Advisers authorised under the Mauritius Financial Services Commission for investment advice and insurance brokerage across applicable jurisdictions.
European Union
Advisers authorised under the Insurance Companies Control Service (ICCS) for insurance brokerage, and under the Cyprus Securities & Exchange Commission (CySEC/MiFID II) for applicable investment services.
United States
Advisers registered as investment advisers under the applicable US regulatory framework. Registration does not imply a certain level of skill or education. Pharos is a marketing name and is not itself licensed or registered to conduct advisory business.
Australia
Advisers authorised under the Australian Securities and Investments Commission (ASIC) for applicable financial services.
United Kingdom
Professional qualifications held across the network
CISILIBFSeries 65
What happens to your enquiry
A person reads every submission
No algorithm decides who gets introduced. Each enquiry is read and assessed by hand.
Nothing is auto-forwarded
Your enquiry creates a record that the team reviews manually. Your details are never automatically sent to anyone.
Some enquiries are stopped on purpose
People resident in the UK cannot submit the form, and a mention of moving back to Britain is set aside for manual review. Enquiries connected to sanctioned or high-risk jurisdictions are excluded.
Shared only with your say-so
Nothing is passed to a specialist until you agree to the introduction. How your data is stored and handled is set out in the privacy policy.
See the full process on how it works and how we handle data in our privacy policy.
Our principles
Human before algorithm
Every submission is read by a person. Fit and compliance cannot be assessed by automation.
Introducer only, always
We do not give advice, manage money, or follow up on your behalf. Our role ends at the introduction.
No introduction without review
Your details are never automatically forwarded. An introduction only happens after deliberate, manual approval.
Good to know
About Pharos Introductions: common questions
What does Pharos Introductions do?
Pharos Introductions is an introducer for internationally mobile people. We review your situation and connect you with a vetted expat financial adviser suited to your jurisdiction and needs. We do not provide financial advice; the advice relationship is solely between you and the specialist.
How introductions workIs Pharos regulated, and how is it different from an adviser?
Pharos is an introducer, not a regulated adviser, and it does not give advice. The advisers we introduce hold the appropriate regulatory authorisation in their own jurisdiction. We connect you to them and step back once the introduction is made.
Read our disclaimersHow does Pharos make money if the introduction is free?
The adviser pays Pharos a referral fee only if you choose to engage them after the introduction. You pay nothing to be introduced. This keeps the service free at the point of use and independent of any single product.
See the processHow do you vet the expat financial advisers in your network?
We check that each specialist holds the appropriate regulatory authorisation in their jurisdiction and has genuine cross-border experience relevant to expat clients. We match you to an adviser whose background fits your situation, not whoever is available.
Explore servicesWhat is the eligibility scope of the service?
Pharos works with internationally mobile and expatriate individuals whose financial situation crosses borders. Full eligibility details, including where the service is not available, are set out on our FAQ page.
Read eligibility detailsWhat happens to my details after I submit an enquiry?
A person reviews your enquiry by hand. Your details are never automatically forwarded, and nothing is shared with a specialist until you agree to an introduction. How your data is stored and handled is set out in our privacy policy.
Read our privacy policyTake the first step
Tell us about your situation. We will review it personally and, if there is a suitable specialist match, make the introduction.