Financial Planning for Expats

How we help expats

Our team of international planners have helped hundreds of clients by providing financial planning advice which is intelligent, informed and truly appreciates the unique personal circumstances of each client.

From initial consultation, our experienced teams based in Singapore, Hong Kong and Belgium will take the time to understand your financial aims, lifestyle and future plans. Our focus is to help you create a financial planning strategy, including suitable investments and pension plans, which meet your short and long-term financial goals. Our financial planners hold the highest standards of professional qualifications and take pride in providing intelligent and clear advice.

International expertise

Our experienced teams based in Singapore, Hong Kong and Belgium, will take time to understand your financial aims, lifestyle and future plans.

Global reach

With offices worldwide, we offer face-to-face services globally. Our extensive network of experts ensures that we are accessible and available to your needs wherever you are.

Over 40 years of experience

With over 40 years of experience, we offer unparalleled expertise and trusted guidance to help you achieve your financial goals confidently and effectively.

Our Expat Services Approach

Financial planning with Progeny can help you to make critical decisions about your future by understanding you, your values, goals and aspirations.

Independent wealth management

As a truly independent wealth management firm, with the support of our UK legal and tax teams, we are able to provide holistic financial planning advice that covers the whole breadth of the financial market.

Creating bespoke solutions for you

At Progeny we create bespoke solutions to bring order to your affairs, allowing you to achieve true financial freedom. We will take you through a disciplined process to help you structure your wealth to match your goals and attitude to risk.

A holistic financial planning approach

Our focus is to help you create a financial planning strategy, including suitable investments and pension plans, which meet your short and long-term financial goals, to help you achieve financial freedom.

Expat investment planning

Living and working abroad offers many unique opportunities, and also provides you with the opportunity to build a solid investment portfolio.

Ready to enrich your future?

It all starts with the right advice…

To help you tomorrow, we can help you today

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Frequently Asked Questions

Can I invest while living abroad?

Yes, choosing to live or work overseas also provides you with the prospect of building a solid investment portfolio. However, there are some important factors to be aware of including understanding which investment options are appropriate and efficient based on your location. Setting up a solid plan means that you can make the most of your expat status and build a future that offers you greater financial freedom in later life.

How much is enough for retirement?

There is no single figure that works for everyone.

What you need will depend on your lifestyle goals, health, family commitments, expected retirement date and how you want to spend your time. Some people dream of travel and new experiences; others want security, flexibility and more time with loved ones.

The most important step is defining what your ideal retirement looks like. From there, a personalised plan can show how much you need to save and how to structure your income with confidence.

How do I set and achieve financial goals?

Work with a financial planning professional to define clear, specific, and measurable goals. Break them into short-term, medium-term, and long-term objectives. Create a plan with actionable steps and track your progress regularly. Adjust your strategy as needed to stay on course.

What can I do if I don’t have an overseas pension?

A qualified financial planning professional can work with you to review your current assets, UK pension plans, current circumstances and long-term goals. They can then create an investment portfolio that you can contribute to on a monthly basis in place of pension contributions.

Can I contribute to an ISA whilst living abroad?

Although you can open an Individual Savings Account (ISA) when you live in the UK, you generally can’t save into it whilst you are living overseas (specifically no contributions can be made after the tax year in which you make the move abroad). It’s important that you also let your ISA provider know if you stop being a UK resident.

Whilst you are abroad you can keep your ISA open and continue to receive UK tax relief on any money and investments held in it. You can also transfer it to another provider if you feel the need to. As and when you return to the UK and reclaim your UK residence, you can begin to pay into your ISA again as long as you consider the annual ISA allowance. A professional adviser can share with you effective alternatives you can save into while abroad.

A multi-specialist approach for the richest outcomes

With Progeny’s unique multi-expert approach that brings together financial planning, tax, legal and asset management advice, we’re able to offer you the most comprehensive view of your financial situation.

That’s why our financial planners work closely with our tax, legal and estate planning experts, to offer clients a seamless and truly holistic service.

Whether you are considering retirement planning, looking to reduce your financial obligations or wanting to ensure your wealth is protected for when you are no longer around, we are available whenever you need support.