Financial Planning for Your Life Beyond the UK
Specialist financial advice for UK citizens living abroad or preparing to move overseas. From retirement and pensions to tax, investments and exit planning, we help you approach each stage with clarity.
Advice for Every Stage of Your Move Abroad
Moving abroad can change the way your pensions, investments, retirement income and tax position need to be managed.
SJB Global helps UK citizens understand these changes before they relocate, once they have settled abroad and as their long-term plans evolve.
Our role is to bring each part of your financial life together, helping you make informed decisions around the future you are building overseas.
Explore Our UK Expat Services
Start with the area most relevant to your plans. Each service is designed around the practical financial challenges of living across borders.
Retirement Planning for UK Expats
Build a sustainable retirement strategy around your income needs, pensions, investments, destination and long-term lifestyle goals.
Explore retirement planning →UK Pension Transfers
Understand the options, risks, tax considerations and long-term implications before changing the way your UK pension is held.
Explore pension transfers →UK Exit Planning
Prepare financially before leaving the UK, including your residency position, pensions, investments, property and the timing of important decisions.
Explore UK exit planning →Tax Planning for UK Expats
Consider how residence, retirement income, investment structures and assets in different countries may affect your tax position.
Explore tax planning →Cross-Border Investment Management
Manage investments around your country of residence, objectives, risk profile, access requirements and internationally mobile life.
Explore investment management →Support Before, During and After Your Move
International planning is not a single decision. Your needs often change as your relocation and life abroad progress.
Prepare in Advance
Review your residency, pensions, investments, property and likely income needs before making the move.
Manage the Transition
Coordinate important decisions across the UK and your destination while avoiding unnecessary disruption.
Plan for the Long Term
Keep your retirement, investment and estate plans aligned with your evolving circumstances overseas.
Plan the Finances Around the Life You Want Abroad
Moving overseas is rarely just about pensions, tax or investments. It is often about creating more freedom, spending time with family and enjoying a different pace of life.
Our role is to help ensure that the financial decisions supporting your move are considered carefully, giving you greater confidence to focus on the opportunities ahead.
Explore Advice by Destination
Find financial guidance created specifically for UK citizens moving to some of Europe’s most popular destinations.
Moving to Portugal
Explore the key financial, pension and planning considerations before starting your life in Portugal.
Explore the Portugal guide →Moving to Spain
Understand the planning issues UK citizens should consider when relocating to Spain.
Explore the Spain guide →Moving to France
Prepare for the pension, tax and investment decisions that may accompany a move to France.
Explore the France guide →Popular Resources for UK Expats
Explore more detailed guidance on some of the pension and tax questions that often arise when living overseas.
How Do I Move My UK Pension to Spain?
Understand the issues to consider before changing the way your UK pension is managed while living in Spain.
Read the guide →UK Pension Options for Residents in France
Explore the common pension options available to UK citizens who are resident in France.
Read the guide →Moving to Spain From the UK?
Learn what may happen to your UK pension when relocating to Spain and which questions to ask before moving.
Read the guide →Taxation on UK Pensions in France
An introduction to the treatment of UK pension income for people who are tax resident in France.
Read the guide →Taxation on UK Pensions in Spain
Explore how UK pension income may be treated once you become resident in Spain.
Read the guide →Portuguese Tax Guide for Expats
Explore the main tax considerations people should understand when relocating to or living in Portugal.
Read the guide →Looking for Detailed UK Pension Guidance?
Visit our Pension Hub for clear explanations of SIPPs, QROPS, the UK State Pension, pension taxation and transfer analysis.
Visit the Pension HubContinue Your Planning
Use our guides and tools to explore your options and identify which areas may require further advice.
Free Guides
Access practical resources covering pensions, retirement, relocation and international financial planning.
Browse free guides →Retirement Readiness Quiz
Consider how prepared you may be for retirement and which parts of your financial plan deserve more attention.
Take the quiz →UK Pension Transfer Quiz
Explore some of the initial questions involved when reviewing a possible UK pension transfer.
Take the quiz →International Advice With a Human Perspective
Our work combines specialist cross-border knowledge with an understanding of the personal reasons people choose to build a life abroad.
International Specialists
Advice designed specifically for people whose finances, family and future extend across more than one country.
Clear, Personal Guidance
Complex financial decisions explained clearly and related back to the life you want to create.
Real Relocation Experience
Many members of our team have made international moves themselves and understand the realities involved.
Long-Term Support
Planning that can evolve with your retirement, family, investments and changing circumstances abroad.
Plan Your Next Chapter Abroad With Confidence
Whether you are preparing to leave the UK, already living overseas or reviewing your retirement plans, our advisers can help you understand the financial decisions ahead.