Expat Financial Advice Online assist expats globally via an online format. We believe this is a great way to reach many expatriates around the world whilst you enjoy the comfort of living offshore.

 

We as a business do not cold call any clients and no details are shared wth third party companies. Expat Financial Advice Online work on a fixed fee module to enable clients clear transparency on fee's in advance.

Our Fixed Fee 

Pension transfers and lumpsum Investments up to £150,000 are charged at 3%. 

Pension transfers and lumpsum Investments £150,001 to £250,000 are charged at 2%.

Pension transfers and lumpsum Investments above £250,001 are charged at 1%. 

Defined Benefit pensions are subject to additional charges. 

Our Management Charges

Pension portfolio, Investments and Savings up to £250,000 are charged at 1% per annum.

Pension portfolio, Investments and Savings £250,001 to £500,000 are charged at 0.85% per annum.

Pension portfolio, Investments and Savings above £500,001 are charged at 0.75% decreasing 0.05% per annum to maximum of 0.5% charge per annum.

Our moto is simple, help expats reach financial freedom 

Would you like further information?

Check out the latest fund information

Frequently asked questions

Are Expat Financial Advisors qualified?


Expat Financial Advice Online only employ adviosrs level 4 and above. This is a minimum requirement in the industry and we hold reqular training to enable adviosrs to keep up to date with the market.




What are the benefits of an International SIPP?


The basics • To help save for your retirement in a tax-efficient manner. • To enable you to transfer benefits in other registered pension schemes such as QROP’s to your SIPP. • To enable you to make your own investment decisions in conjunction with your Investment Manager or Financial Adviser, and utilise a wide range of types of investments. • To give you choice over how and when you take your benefits. • To allow you to take regular or variable income from your fund while remaining invested. • To provide you with a tax-free lump sum. • To provide benefits for your dependants and other survivors on your death.




What are the benefits of a QROP?


Any growth in value of the QROPS above the value of the UK Lifetime Allowance (£1m 2018/2019) paid as a pension, will escape the 25% Lifetime Allowance excess tax charge. Another benefit to passing on your wealth through a QROPS is the fact that your family and loved ones will completely and legally avoid paying the Inheritance Tax which is levied on UK pension schemes. Your retirement benefits may be drawn at any time between the ages of 55 and 75. You can withdraw up to 30% of the accumulated fund, when benefits have started as a pension commencement lump sum. (PCLS) Pension Commencement Lump Sums are paid free of tax across all jurisdictions.




Do I qualify for an expat superannuation?


If you are an Australian national living oversea's and you are over the age of 18, you qualify for an Australian expat superannuation. All superannuations have to be held in Australia as stipulated by law.




My Investments have gone down, what do I do?


Like all investments in the market, funds go up and down. Speak to an advisor if you have cocerns with your funds to see if they are correct for you based on your risk factors now and in the future.




I do not here from my advisor, what do I do?


If you do not here from your advisor and you have concerns on the management within your pension, savings and investments, contact ourselves for a no obligation chat. Our advisors are committed to have a discusion with thier clients every 3 months however, they are always on hand for any concerns.




What is the lifetime allowance limit?


The lifetime allowance limit is a set amount that can be accumilated in a UK pension and this is set by the government. Currently you are allowed 1 million in a pension scheme in the UK, any access over this amount will be taxed at 25%. (please note this is subject to change)