Wealth Management for Internationally Mobile Families
PWS Offshore Wealth Management works with individuals and families whose lives and assets span more than one country. We bring investments, retirement provision, education funding and wider planning into a single coordinated strategy, built around your objectives and reviewed as your circumstances change.
- FreeFact find
- £250kFrom
- NoneHourly fees
Fact find first. Product last.
No adviser can recommend anything sensible before they understand the whole picture. So every wealth relationship begins with a complimentary fact find — free, at our cost, with no obligation and nothing to sign.
The fact find
A 45–60 minute structured session covering assets, liabilities, pensions, income needs, timeframe, attitude to risk and tax residence — in every country that touches you. Free, and no product is discussed.
Written recommendation
We return a documented strategy: what to do, in what order, what it costs in total, what the risks are, and the circumstances in which we would change it — including the option of doing nothing.
Implementation and review
Only once the plan is agreed do we choose managers, platforms and products, arrange them through regulated firms, and review them on a fixed schedule.
The fact find is offered where investable assets, excluding your main home, are around £250,000 or more. Below that, our guides and briefings are free and open to everyone.
Eight disciplines. One written strategy.
Personalised wealth strategies, asset management, retirement planning, pension transfers, global investments, education funding, protection and inheritance tax planning.
Personalised Wealth Strategies
One joined-up plan across every country you hold assets in — your goals first, products last, reviewed as your life changes.
Asset & Portfolio Management
Investment portfolios run by independent managers, either for you or with your sign-off — in several currencies, with all costs and any adviser payments disclosed.
Retirement Planning
Retirement planning for people whose pensions, employers and tax residence are spread across several countries.
UK Pension Transfers (SIPP / QROPS)
For people living outside the UK: should your UK pension stay where it is, move to a SIPP, or transfer to a QROPS (an overseas pension scheme)? We write down the trade-offs.
Global Investment Platforms
Investment accounts, tax wrappers and safekeeping arrangements, offshore or onshore, that match where you live and what you must report.
Education Fee Planning
Paying for international school and university in different currencies without disrupting the rest of your plans.
Insurance & Protection
Life, critical illness, income protection and key-person cover arranged for expats and families living across borders.
Inheritance Tax Planning
Your inheritance and estate tax exposure mapped across countries, then reduced with gifts, trusts, insurance and planning around where you're domiciled.
Built for people whose money crosses borders.
Domestic advice breaks down the moment a second country is involved — a policy that will not travel, a pension that cannot be contributed to, a wrapper taxed differently where you now live. These are the situations we are built for.
Expatriates and globally mobile professionals
Earning in one currency, saving in another and taxed somewhere else again — with legacy accounts left behind in each country.
Returning nationals and repatriating families
Bringing pensions, portfolios and offshore policies back into a home tax system without triggering avoidable charges.
Business owners and post-exit founders
Converting company value into personal capital, and planning the retirement and estate position that follows.
Retirees abroad
Drawing multi-country pension entitlements in a spending currency, with healthcare and longevity modelled in.
Families funding international education
Meeting school and university fees on a fixed calendar in a currency the family does not earn in.
Trustees and family offices
Choosing independent managers for trust and foundation assets, reporting it all in one place, and keeping an eye on them.
Objectives first. Products last. Everything written down.
One coordinated strategy
Investments, retirement provision, education funding and protection are planned together, not bought separately in different countries.
Built around objectives
We model your cashflow, timeline, currencies and risk tolerance first. Products are chosen last, and only where they earn their place.
Independent, fully disclosed
Your investments and policies are held by independent, regulated managers, custodians and insurers. Anything we're paid by a product is disclosed before anything is done.
Reviewed as life changes
Where you live, your family, your cash needs and tax rules all change. Your plan is re-checked every year, and whenever something important changes.
Two minutes now. Our advisory team's view within 48 hours.
From a scattered position to one plan you can read.
Assets, pensions, policies, liabilities, residency and family objectives mapped into one picture.
A written plan comparing your options for investing, retirement, school fees, insurance and passing wealth on, with the costs and trade-offs.
Investments, tax wrappers, pension transfers and policies arranged through independent, regulated firms.
Performance, contributions, tax position and estate exposure re-tested every year in writing.
Your gateway to empowered investing.
Wealth services for your business — from staff benefits to protecting key people and shareholders — joined up with the company structure we already set up and run for you.
Employee benefits planning
Group pension, medical and protection arrangements for internationally mobile teams.
Key-person & shareholder cover
Insurance and agreements between shareholders, so a death or serious illness doesn't throw the ownership of the business into doubt.
Executive wealth planning
Founder and senior-team planning that lines up with the wider corporate structure.
Corporate cash & reserves
Where to hold, in which currency and how accessibly, the spare cash sitting in your business.
Disclosed. Product-based. No hourly charges.
Wealth management is paid for differently from our structuring work: through the products used, rather than hourly fees. Product charges, anything paid to us and the total cost are disclosed before anything is done.
Product-based compensation
We're paid through the products we arrange — how much depends on the product, the provider and the size — rather than hourly fees.
Disclosed before implementation
Every product's charges, anything paid to us and the total cost are written down before you agree to go ahead.
Ongoing costs documented
Any ongoing provider payment or rebate is disclosed and reflected in the written cost summary.
Advice you can re-read
Every recommendation is documented with its rationale, its risks and the circumstances that would make us change it.
The jurisdictions behind most wealth files.
Pensions, wrappers, custody and estate exposure all depend on where you live, where the asset sits and where the provider is regulated. These are the jurisdictions that appear most often in cross-border wealth planning.
Questions clients ask first.
- Is the fact find really free?
- Yes. The fact find is a 45–60 minute structured discovery session at our cost, with no obligation. Nothing is charged and no product is recommended until you have a written strategy in front of you and have agreed to proceed.
- What do I need to bring to the fact find?
- Recent pension statements, portfolio and platform valuations, a rough picture of income and outgoings, any existing protection policies, and a note of your tax residence history. If a document is missing we will work around it.
- Do you sell products at the fact find?
- No. The fact find is purely about understanding your situation — no product is discussed. Any product recommendation comes later, in writing, only once the plan is agreed, with charges and anything paid to us disclosed before you go ahead.
- Who qualifies for the free fact find?
- We offer it where investable assets, excluding your main home, are around £250,000 or more, or where a UK pension of similar size is in play. Below that we will point you to our guides and briefings rather than charge you for advice you may not need.
- Do you manage the money yourselves?
- No. We design the plan, then choose independent, regulated managers and custodians to run your money, and keep an eye on them for you.
- Should I transfer my UK pension?
- Sometimes. Leaving it in the UK, moving to a SIPP or transferring to a QROPS each carry different tax, charge and flexibility outcomes. We compare all three in writing before a regulated adviser implements anything.
- What is the difference between ROPS, QROPS and QNUPS?
- ROPS is HMRC's official name for a Recognised Overseas Pension Scheme on its published list; QROPS is the industry name for a ROPS that can receive a transfer from a UK pension. A QNUPS is different again — paid into with money that's already been taxed, it can't receive a UK pension transfer, and it's used for retirement saving and UK inheritance tax planning.
- What is the overseas transfer charge?
- A 25% HMRC charge that can apply when a UK pension is transferred overseas, unless an exclusion applies — most commonly where you are resident in the same country as the receiving scheme. We confirm your position before anything is signed.
- How are you paid for wealth management?
- We're paid through the products used, rather than hourly fees. Product charges, anything paid to us and the total cost are disclosed before anything is done.
- What is the minimum to work with you?
- There is no minimum fee. The complimentary fact find is offered where investable assets, excluding your main home, are around £250,000 or more. The right product or portfolio is then scoped with its charges disclosed before you commit.
- Am I still exposed to UK inheritance tax if I live abroad?
- Very possibly. UK inheritance tax follows your long-term residence and domicile, not just where you live now, and UK assets such as property stay taxable wherever you live.
- Can you work with my existing accountant or lawyer?
- Yes. We coordinate with your existing advisers routinely and will not displace a relationship that is already working.
- Can this sit alongside my trust or company structure?
- Yes, and it should. Wealth planning sits alongside our structuring, banking and relocation work, so your investments, estate plan and companies all fit together.