Tell us your situation
A short questionnaire captures the essentials - your location, priorities, and what you need. No financial advice is given at this stage.
Expat Financial Planning
The UAE offers a tax-free salary - but that does not mean your financial life is straightforward. End-of-service gratuity, offshore pension gaps, and remittance planning all require careful specialist attention.
Why it matters
Living in the UAE means no income tax on your salary - but this can create a false sense of financial simplicity. Your end-of-service gratuity is a workplace entitlement, not a pension, and many expats arrive at the end of a UAE career with significant gaps in their retirement provision.
If you hold a DIFC-regulated financial product, the rules differ from those in the wider UAE - understanding which regulatory environment applies to you is a specialist task. For UK nationals, questions about the UK state pension (which does not accumulate entitlements automatically during years abroad), National Insurance voluntary contributions, and the tax treatment of pensions upon return all require dedicated advice.
The UAE's Golden Visa programme also introduces financial thresholds and asset considerations that intersect with your overall planning. Remittance back to your home country - whether for family obligations, mortgages, or savings - is efficient, but structuring this appropriately within both jurisdictions takes expertise.
Getting specialist guidance from day one can help you avoid costly mistakes.
The process
UAE expats often have complex multi-jurisdiction situations - UK pensions, DIFC-regulated products, and remittance obligations. We make sure the specialist we introduce you to has direct experience with UAE-based expat financial structures.
We match you with the right specialist
Every submission is reviewed by a human. We identify a specialist with the right expertise for your specific country and circumstances.
Your introduction, your timeline
You are connected directly. No auto-forwarding, no pressure, and no obligation. The specialist conversation happens on your terms.
“I had been in Dubai for six years and thought I had my finances sorted. It turned out my end-of-service gratuity was not being factored into my retirement planning at all. The specialist I was connected with changed how I think about the next decade.”
Questions
Common Questions About Financial Planning in UAE
Is my UK pension affected by living in the UAE?
Your existing UK pension pots remain in place while you are abroad, but you are not automatically building National Insurance contributions during your UAE years. This can create gaps in your State Pension entitlement. Specialist advisers can help you understand whether voluntary NI contributions make sense for your situation and how your private pensions are structured for eventual access.
Do I need to pay tax in the UAE?
The UAE does not levy personal income tax. However, your tax position in your home country - particularly the UK - may still be relevant depending on your residency status. HMRC has specific rules about non-resident status, and these interact with pension income, UK-sourced rental income, and eventual return. A specialist can help you understand your full tax picture across both jurisdictions.
What happens to my end-of-service gratuity?
End-of-service gratuity is a statutory payment under UAE labour law, calculated on your final basic salary multiplied by years of service. It is separate from any pension provision. Understanding how to deploy this lump sum - whether to invest it, remit it, or structure it tax-efficiently on return - is something a qualified specialist can help you work through based on your personal circumstances.
This page is for general informational purposes only and does not constitute financial, tax, or legal advice. Tax laws and regulations change frequently. Always seek advice from a qualified specialist who understands your personal circumstances.
Whether you are newly arrived in the UAE or approaching the end of a long posting, we can introduce you to a specialist who understands your situation.