UAE
End-of-service gratuity, DIFC regulation, and pension gaps in a tax-free posting.
Destination Guides
Financial planning for expats, wherever you are based.
Country-specific guides for UK expats navigating financial complexity abroad.
All destinations
Pick your posting.
Each guide covers the financial terrain specific to that country - regulations, pension treatment, tax considerations, and what to think about before your next move. These are signposts, not advice.
New to expat financial planning? Read the complete guide.
Singapore
MAS regulation, CPF exclusions, and cross-border financial planning in Southeast Asia.
Saudi Arabia
GOSI exclusions, iqama-tied employment, and end-of-service awards in the Gulf.
Portugal
NHR regime, pension planning, and cross-border UK tax obligations in southern Europe.
Spain
Beckham Law, Modelo 720 reporting, and financial life between two jurisdictions.
Brazil
Foreign income declarations, pension treatment, and expat financial structures in South America.
Guyana
Remittance planning, offshore pensions, and expat financial structures in the Caribbean.
Australia
Superannuation, QROPS, and UK pension decisions for expats in the southern hemisphere.
Vietnam
Foreign ownership rules, remittance flows, and expatriate financial planning in Vietnam.
France
Assurance-vie, forced heirship, social charges, and the UK-France treaty for British expats.
Germany
Germany's mandatory social insurance system, progressive income tax reaching 45%, and complex interaction with UK pension arrangements require specialist navigation for expats from day one.
Canada
Canada's combination of federal and provincial income tax, registered accounts, and the deemed disposition tax on leaving creates a distinctive financial environment that requires specialist cross-border guidance.
Hong Kong
Hong Kong's territorial tax system and low rates are genuinely attractive, but MPF gaps, the UK-Hong Kong tax arrangement, and the practicalities of cross-border financial management require specialist attention.
South Africa
South Africa's residence-based tax system, exchange control regulations, and the formal financial emigration process create significant complexity for expats, particularly those managing assets in both South Africa and the UK.
Thailand
Thailand's 2024 tax rule change, making foreign-sourced income taxable when remitted in the same year, has created significant new complexity for expat residents. Understanding your position requires specialist cross-border guidance.
These guides are for general informational purposes only. They do not constitute financial, tax, or legal advice. Regulations and tax rules change frequently and vary by individual circumstance. Pharos Introductions is an introducer service - we connect you with qualified specialists; we do not advise.
Good to know
Expat financial planning by country: common questions
Which countries does Pharos cover for expat financial advice introductions?
Pharos has dedicated guides for a growing range of destinations across the Gulf, Europe, Asia-Pacific, and the Americas. You can browse them all above and find the one that matches your situation.
Read the complete guideCan you help if my country is not listed?
Yes. The country guides are a starting point, not the limit of the network. If your destination is not yet listed, request an introduction and we will assess whether a suitable cross-border adviser is available for your situation.
Request an introductionDo you work with US persons living abroad?
Yes. US citizens and green card holders face additional rules such as FATCA, FBAR, and PFIC. Pharos can introduce you to a specialist who understands US cross-border obligations alongside your country of residence.
US persons abroadHow do you match me to an expat financial adviser in my country?
We use your country of residence, citizenship, pension position, and cross-border assets to identify a vetted adviser with relevant experience in that corridor. A person reviews every enquiry before any introduction is made.
How matching worksWho is eligible to use the service?
Pharos works with internationally mobile and expatriate individuals whose finances cross borders. Full eligibility details are set out on our FAQ page.
Read eligibility detailsFound your destination? Let us find your specialist.
Tell us where you are and what you need. We review every submission by hand and make introductions only when the fit is right.