Primary focus
Whether you’re placing a lump sum, building monthly, or untangling a UK pension: the structure comes first, the products last, and every cost deserves a close look.
A sale, a bonus, an inheritance, savings that have outgrown one bank account. People in this situation typically need to think about which jurisdiction and wrapper suit them, how liquid the money needs to stay, and what every layer of fees adds up to.
For 10-year-plus horizons, the questions are how disciplined monthly investing works offshore, and how a plan can be structured to move with you when you change country, not against you.
Old workplace pensions left behind in the UK: what consolidation, review and drawdown involve for investors living abroad, and why the tax picture of where you live now comes first. UK pensions can’t transfer to South Africa, but they can be brought under proper control.
Too much wealth concentrated in one country or one currency? The offshore layer usually means hard-currency portfolios, properly domiciled, with the size of the allocation depending on your own appetite for risk.
The people this is for share a situation, not a passport. If two or three of these ring true, a call is worth your time.
Guides by nationality
The cross-border questions change with your home country: residency, pensions, tax wrappers and currency all work differently. Start with yours:
UK residency, ISAs, pensions and the domicile trap most Britons forget.
Citizenship-based tax, FATCA and why the PFIC rules change everything.
SARS residency, financial emigration, exchange control and the RA rule.
The Foreign Investment Fund rules, KiwiSaver and residency tests.
NRI status, NRE and NRO accounts, and the Liberalised Remittance Scheme.
Cantonal wealth tax, no CGT on private wealth, and the pension pillars.
Currency history, the diaspora, and holding wealth in hard currency.
OFW savings, hard-currency diversification and tax residency.
Go deeper
Moving from the UK? Start with the British expat’s money checklist for South Africa: the complete reference. Not sure whether offshore or onshore fits you? Take the quiz.
No. I’m building a practice in Cape Town, but conversations happen over video call, so you can be anywhere in the world.
Holding investments through regulated international platforms outside your country of residence: typically diversified across currencies and jurisdictions. It’s about transparency, diversification and structure, not secrecy. The full picture here.
No. South Africa isn’t a jurisdiction UK pension schemes can transfer into. Your pension stays a UK-regulated asset, but it can be reviewed, old schemes consolidated, and how it’s invested brought under proper control: here’s the full picture.
There’s no single figure. Offshore platforms and providers set their own minimums, and costs weigh more heavily on smaller amounts, so understanding the charges matters more than the headline number. Still unsure? A general-information call is a fair place to start.
Nothing. It’s a 30-minute, no-obligation conversation about how things generally work and which questions are worth asking, not a sales pitch.
Free guide
A short, practical guide covering the questions people ask most: what counts as “offshore”, how lump sum vs. regular savings plans compare, and what to check before you invest. No obligation, no spam, just the guide plus a short series of practical notes. Unsubscribe any time.
Thirty minutes, free, no obligation, and a plain-English walk through how things generally work.
Book a 30-Minute Call