Advice Articles

Expat financial advice from the experts

pension tax free

Non-Habitual Tax regime in Portugal

The Non-Habitual Tax regime in Portugal Background: The Non-Habitual Tax regime in Portugal allows anyone who becomes a tax resident in Portugal (subject to being accepted by NHR) the ability to receive qualifying income, tax-free in Portugal and the country of the source of income. The regime was introduced in 2009. The only requirement to gain access to this […]

overseas trust and pensions

Overseas Trust and Pensions – Guernsey

Overseas Trust and Pensions – Guernsey If you have a ‘COPIA’ pension with Overseas Trust and Pensions Guernsey then you will be familiar with the associated issues in drawing down your pension and expensive annual trustee fees. Background “Overseas Trust & Pensions” are a specialist provider of international trust, retirement and pension solutions for both corporate […]

liberty sipp

Do you hold a Liberty SIPP?

Liberty SIPP First of all, if you are a Liberty SIPP holder then you will have been well aware of the negative press they have been receiving. Indeed, while the name Liberty SIPP has become synonymous with mis-selling of SIPP’s between 2011 and 2013 it is claimed that up to 700 investors have suffered significant […]

Investment income taxation France 2018

Investment Income Taxation France 2018

Investment income taxation France 2018 What are the changes in Investment income taxation France 2018? As of January 2018 tax residents of France are no longer required to pay French Wealth Tax on savings and investments. Additionally, there is a new tax rate on investment income benefits.  Below I have identified the main changes for […]

capita Pension

Capita Pension | Capita Defined Benefit pensions

Do you hold a Capita Pension? Are you living abroad and due your Capita Pension? Capita are currently issuing all policyholders with their most up-to-date value. Many expats are misunderstanding this letter. Why the Concern? Expats who hold a Defined Benefit policy with Capita will have been issued a letter to state the retirement benefit […]


Pensioners risk draining their savings

Retirees are at risk of running out of money in retirement. Research from Zurich UK has found that a third have no investment experience and two in five are not getting any financial advice. Moreover, around half a million people are taking advantage of the pension freedoms to draw down their retirement savings, but a […]

purchasing property in the UAE

Purchasing property in the UAE

The UAE has become a popular place for foreign investors and expats. In recent year’s changes to the law have opened up the UAE property market to foreigners. As such, purchasing property in the UAE is now relatively straightforward, provided that you have the finance. Requirements The UEA government has a 6-month visa for property […]

Guardian Wealth Management

Guardian Wealth Management Qatar GWMQ

Qatar Financial Centre Regulatory Authority (QFC) has fined Guardian Wealth Management Qatar an amount of USD1 million plus costs for regulatory breaches. In a statement, the QFC said that fines were imposed on the firm’s Qatar operation for “contraventions to anti-money laundering/combating the financing of terrorism,” with additional penalties for “general regulatory contraventions.” According to […]


Tamil Nadu Electricity Board – TNEB Pension

Tamil Nadu Electricity Board TNEB, is a power generation and distribution company owned by Government of Tamil Nadu. It was created as a regulated monopoly under section 131 of the Electricity Act (2003) as a successor of the Tamil Nadu Electricity Board. It is the largest State Electricity Board in the country in terms of […]