Your Financial Journey Starts Here
If you are a British expat trying to make sense of pensions, retirement planning, investments, estate planning, protection or cross-border financial decisions, this is the best place to begin.
Josh Clancey delivers advice for internationally mobile people who want clear, joined-up financial planning rather than isolated product conversations.
The aim is simple: help you understand where you are now, what decisions matter, and what your next sensible step should be.
You have the information. Now get advice on what it means for you.
This page can help you understand the key issues. But the right decision depends on your own pensions, investments, tax position, future plans and family circumstances.
If you are unsure what applies to you, or want to understand the best next step before making a decision, book a confidential introductory call with Josh Clancey.
Where should you begin?
Josh Clancey helps British expats and internationally mobile professionals make clearer decisions about pensions, retirement planning, investments, estate planning, protection and cross-border financial planning.
This page helps you work out where to start.
You might already know the exact question you need answered. For example, you may want to review an old UK pension, understand whether you can retire comfortably, or plan properly before moving back to the UK.
Or you might simply know that your financial life has become more complicated since moving abroad.
Either way, the starting point is the same: get a clear picture of what you have, what you are trying to achieve, and which decisions need proper advice.
Most people arrive here because something has triggered a need for clarity. These are the most common starting points.
I have UK pensions and live abroad
You may have old workplace pensions, a defined benefit pension, a SIPP, or several pensions from previous employers. The first step is understanding what you have and what decisions actually need making.
I am thinking about retirement
You may be asking whether you have enough, when you can stop working, how much income you can safely take, or whether retirement abroad changes the plan.
I need financial planning
Your financial life may now involve more than one country, more than one currency, and more than one tax system. That needs a coordinated plan.
I want to invest
You're earning more, saving more and now you want to get your money working harder for you.
What does Josh Clancey help you understand?
What you already have
Many expats have pensions, investments, property, savings, insurance and old accounts spread across countries and providers. The first job is to create clarity.
Whether your pensions still fit your plans
UK pensions can remain highly relevant after you leave the UK, but they need to be reviewed in the context of retirement goals, tax residence, currency, charges, beneficiaries and future mobility.
How much you may need for retirement
A pension value by itself does not tell you whether you can retire comfortably. The real question is whether your assets can support the lifestyle, location and timeline you want.
How your investments are positioned
Your portfolio should reflect your goals, risk profile, time horizon, income needs, currency exposure and wider financial position.
What happens if life changes
Moving country, changing employer, selling a business, retiring, losing income, becoming seriously ill or dealing with family changes can all affect your financial plan.
Whether your family is properly protected
Protection planning should consider life cover, critical illness cover, income needs, liabilities, school fees, family lifestyle and what happens if income stops unexpectedly.
Whether your estate planning is joined up
For expats, estate planning can involve pensions, wills, beneficiaries, assets in multiple countries, guardianship, probate and inheritance tax exposure.
Still scrolling? It is probably time to book a call.
Reading can help you understand the issues. But it cannot tell you what is right for your pension, retirement plans, investments, tax position or family circumstances.
If you are facing a financial decision, or simply know your current arrangements need reviewing, a conversation is usually more useful than another hour of research.
Explore the main planning areas
Pension Planning
Pension planning for expats means understanding how your pensions fit into your wider retirement, tax, investment, currency and estate planning position. It is not just about whether to transfer a pension. It is about knowing what you have, what it can provide, what risks apply, and what decisions need advice.
View Pension PlanningRetirement Planning
Retirement planning for British expats. Understand how much you need, when you can retire, and how pensions, investments and tax fit together.
View Retirement PlanningInvestment Planning
Investment planning for British expats. Build a portfolio strategy around goals, risk, retirement, currency and cross-border financial planning.
View Investment PlanningEstate Planning
Estate planning for British expats. Review wills, beneficiaries, pensions, inheritance tax, guardianship and cross-border estate planning risks.
View Estate PlanningTax Planning
Tax-aware financial planning for British expats. Understand how tax can affect pensions, investments, retirement income, estate planning and returning to the UK.
View Tax PlanningFinancial Planning
Bring pensions, investments, retirement, tax, protection and estate planning into one clear plan.
View Financial PlanningInsurance Planning
Insurance planning for British expats. Review life cover, critical illness, income protection, family protection and business owner insurance needs.
View Insurance PlanningFinancial Planning for Business Owners
Financial planning for British expat business owners. Connect business wealth, pensions, investments, protection, tax, succession and retirement planning.
View Financial Planning for Business OwnersWhat makes Josh Clancey's advice different
Built around expat complexity
Advice should reflect the fact that your pensions, investments, tax position, residency, family and retirement plans may not all sit in one country.
Focused on decisions, not products
The important question is not “what product should I buy?” It is “what decision do I need to make, what are the trade-offs, and what happens if I do nothing?”
Clear before complex
Good advice should make the complicated parts easier to understand. You should know what is being reviewed, why it matters, and what the next step is.
Trust-led from the start
Before taking advice, you should understand who you are dealing with, how the process works, and what professional standards sit behind the advice.