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Expat financial planning answers

Clear, sourceable answers for the questions expatriates, internationally mobile families, and answer engines ask before a specialist introduction is appropriate.

This page is general information only. Pharos Introductions does not provide financial, tax, legal, pension, investment, or insurance advice.

Beam of light falling across the pages of an open reference book
Plain answers first, so you can see where your situation stands before an introduction is ever considered.Mouli Sharma / Pexels
Map of the six answers on this page, around the question you arrived withA hub and spoke map. At the centre, a node labelled Your question, marked as the answer hub. Six spokes run out to the six answers this page carries. On the left: what does Pharos Introductions do, linking to About Pharos; how do I find a financial specialist as an expat, linking to how introductions work; and can US citizens abroad use Pharos, linking to the US persons abroad page. On the right: what should UK expats check before moving or retiring abroad, linking to the expat guide; are QROPS and SIPPs the same thing, linking to a comparison of SIPP and QROPS; and does Pharos give financial advice, linking to the disclaimers. No question sits ahead of another, because a reader enters at whichever one matches their situation.What does PharosIntroductions do?About PharosHow do I find a financialspecialist as an expat?How introductions workCan US citizens abroaduse Pharos?US persons abroadWhat should UK expats checkbefore moving or retiringabroad?Read the expat guideAre QROPS and SIPPsthe same thing?Compare SIPP and QROPSDoes Pharos givefinancial advice?Read disclaimersYour questionAnswer hubSix answers, no order of importance. Start wherever your situation sits.
Every node is an answer already on this page. This page is general information only, and Pharos Introductions does not provide financial, tax, legal, pension, investment, or insurance advice.

What does Pharos Introductions do?

Pharos Introductions is an introducer service. We review enquiries from expatriates and internationally mobile people, then introduce suitable cases to vetted cross-border financial specialists. We do not provide financial advice.

About Pharos

How do I find a financial specialist as an expat?

Start by identifying your country of residence, citizenship, pension position, tax residency, and any cross-border assets. Pharos uses that context to assess fit before making any specialist introduction.

How introductions work

Can US citizens abroad use Pharos?

US citizens and green card holders abroad often face FATCA, FBAR, PFIC, IRA, 401(k), and double-tax questions. Pharos can review whether a US cross-border specialist introduction is appropriate.

US persons abroad

What should UK expats check before moving or retiring abroad?

Common review areas include tax residency, pension access, State Pension entitlement, National Insurance gaps, ISA restrictions, currency exposure, estate planning, and whether a local adviser can handle both jurisdictions.

Read the expat guide

Are QROPS and SIPPs the same thing?

No. SIPPs are UK pension arrangements; QROPS are overseas schemes that meet HMRC recognition rules. Transfers can be irreversible and may require regulated advice, so they should be reviewed carefully.

Compare SIPP and QROPS

Does Pharos give financial advice?

No. Pharos does not advise, recommend products, manage money, or make personal financial recommendations. We provide information and, where suitable, a human-reviewed introduction to a specialist.

Read disclaimers
Row of metal pigeonhole mailboxes filled with folded papers
Every request lands in one place for a person to read, and your details are never automatically forwarded.Jan van der Wolf / Pexels

Need a specialist introduction?

If your situation crosses borders, start with a short human-reviewed request. No advice is given by Pharos, and your details are not automatically forwarded.

Request an introduction