I’ll Help You Achieve
Peace Of Mind And
Financial Success In
Retirement
Financial Planning & Wealth Management For Retirees Overseas
I am very experienced in helping expatriate retirees.
My retiree clients are primarily organised into three different groups. The first comprises former professionals that have lived an expatriate lifestyle for many years. The second group are people who having worked all or most of their lives in their home country and decided to retire overseas. The third group are expatriates that want to retire to their home country and require assistance with repatriation. These three groups have very different circumstances but, in all cases, the priority is to ensure their wealth is sufficient to enable to comfortably maintain them for the rest of their days and provide for their loved ones after they have gone.
How I help
These are some typical ways I help retirees with their financial planning
Financial planning, management & analysis
Risk management
Ensuring their assets remain secure and protected, including managing currency risk.
Succession planning
Helping them with their wills and estate planning.
Facilitation & Problem Solving
Guidance on health care and insurance
Healthcare and quality of life is a leading concern of this group.
Regular communication
Keeping them informed and up to date.
Case study
Ensuring Peace Of Mind For A Retired British Expat & His family In Thailand
Client Background
This British client worked in a senior executive position in the UK before retiring to South -East Asia, He married Thai national with a daughter of high school age and they live in Thailand, but also spend part of the year in Malaysia.
The client had a mix of a final salary and, defined contribution pensions, as well as a large cash position resulting from the sale of his UK property. He also had several ISAs arranged by his previous UK financial advisor.
The Challenge
The client’s previous UK-based financial advisor was unable to assist because of regulations restricting his ability to advise overseas clients. Having never lived overseas, he was unfamiliar with many of the issues faced by expatriates.
His main concerns were:
- His previous advisor was unable to assist him.
- Unfamiliar with local tax and financial regulations in Thailand and Malaysia and anxious about incurring potential liabilities.
- Needed assistance with managing his pensions and other financial assets.
- Estate planning for his wife and stepdaughter.
How I helped
- Assumed management of UK pensions and investments, providing online access for transparency
- Offered regular monthly updates and rebalanced the portfolio for a lower-risk approach
- Reassured the client that a cautious investment portfolio would last for his and his wife’s lifetimes, with assets set aside for his daughter
- Explained tax rules for income and assets in Thailand and Malaysia
- Updated beneficiary information on existing plans and rewrote the will.
- Established provisions in the will for the daughter’s education expenses.
- Advised on establishing a Discretionary Gift Trust for inheritance tax efficiency and regular income
- Prepared a “death pack” for the wife, with contact information and guidance for managing the estate
- Assisted with finding reliable visa renewal and property agents in the region
The Outcome
- Regular quarterly income to supplement the client’s guaranteed final salary pension.
- Peace of mind knowing the family is provided for in case of unforeseen events.
- Inheritance tax-efficient structures in place to stay under the UK’s nil-rate band.
- Wife is reassured about accessing assets and knowing who to contact if needed.
- Daughter’s university fund is incorporated into the financial planning, ensuring her education is secure.
Today
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