Complete the request form
Share your situation, priorities, and jurisdiction context. The form is short and structured to give us what we need.
Non-U.S. expats and internationally mobile professionals
Cross-border finances need a specialist who works both sides.
For non-U.S. expats with pensions, savings, or tax situations spread across jurisdictions. One request form. Manual review. A single introduction to the right specialist.
No financial advice. No commitment.
Eligibility
Who this is for
- British expats with UK pensions, ISAs, or investment plans held in the UK while living abroad.
- Households managing savings or protection products across two or more jurisdictions.
- People planning to return to the UK after extended time abroad who need to review offshore structures first.
- Anyone who needs a structured specialist conversation - but does not know where to start.
Who this is not for
- Current UK residents (this pathway is not available to people resident in the UK).
- Anyone seeking direct financial advice - we are an introducer only.
- Requests where the primary need is a product transaction rather than planning.
How it works
Manual review
Every submission is read by a person. We assess fit, jurisdiction, and compliance before any introduction is considered.
Planned introduction
If suitable, we connect you with the right specialist. We do not advise, follow up, or earn from outcomes.
Questions
What is cross-border financial planning?
Cross-border financial planning addresses the complexity that arises when your assets, pensions, income, and tax liabilities span more than one jurisdiction simultaneously. It covers UK pension transfers, offshore investment structures, double taxation treaty applications, and the practical coordination of financial decisions between countries.
Do I need an expat financial specialist if I only have one UK pension?
Not necessarily for the pension itself, but if you are tax-resident abroad, the income from that pension — and any decision about transferring or drawing from it — has implications in your country of residence that a domestic UK adviser may not be equipped to address. The jurisdiction-specific element is where specialist knowledge matters most.
What is the difference between Pharos Introductions and a financial adviser?
Pharos Introductions is an introducer, not an adviser. We connect qualifying expats with regulated financial specialists. The regulated advice relationship is between you and the specialist — Pharos has no role in the advice given, no ongoing relationship with you, and earns nothing from any advice engagement.
Can I keep my existing UK financial adviser when I move abroad?
Your existing UK adviser may not be authorised to provide regulated advice to someone resident in your new country of residence. Regulatory authorisation is jurisdiction-specific. Before assuming your current adviser can continue, it is worth checking whether they hold the necessary permissions for cross-border advice in your situation.
How long does the introduction process take?
Typically 2–5 working days from submitting your request. More complex situations — involving multiple jurisdictions or less common product types — may take a little longer as we identify the right specialist for your exact circumstances.
More questions? Visit our full FAQ