Regulatory standing
Authorised and in good standing with the relevant regulator for their jurisdiction and service type. Non-negotiable.
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.
How we select
The specialists we introduce are assessed against four criteria before any introduction is made. All four must be met.
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
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.
Take the first step
Tell us about your situation. We will review it personally and, if there is a suitable specialist match, make the introduction.