European Clients
We offer a comprehensive approach to cross-border financial planning, bringing clarity to complex financial arrangements and helping you plan confidently for the future.
The key thing to understand
Where you live
Your country of residence can affect how your pensions and investments are taxed, which products are appropriate and what advice you can receive.
Who advises you
An adviser authorised in the UK isn't automatically permitted to advise someone living in Europe. Equally, European authorisation doesn't automatically permit an adviser to advise UK residents.
What you own
UK and European financial products can have different rules, features and protections. Your adviser needs to understand these, as well as your personal circumstances.
Why does this matter to me?
Your pension
You may be able to keep your UK pension when you move abroad. But how you draw income, how it's taxed and which options are appropriate may change.
Your investments An investment that worked well when you lived in the UK may not offer the same advantages once you're resident elsewhere. Some products may also have restrictions on overseas residents. Your tax position A pension withdrawal or investment sale could have very different tax consequences depending on where you're resident. Timing can be important. Your family and estate Inheritance and succession rules differ between countries. What happens to your assets when you die may not be what you expected.
The right advice should consider your whole situation, not simply the country where your money is held.
What should I do next?
Let's discuss your circumstances.
Whether you're already living in Europe, planning a move or considering returning to the UK, understanding your residency, existing financial arrangements and future plans is an important first step.
We'd be delighted to hear from you and discuss your circumstances, the advice you may need and which regulatory arrangements would apply.
About MiraClair Wealth
MiraClair Wealth's UK and European activities are undertaken through separate legal entities, each subject to its own applicable regulatory requirements.
MiraClair Wealth Ltd has applied for FCA authorisation and is not currently authorised to provide regulated financial advice requiring that authorisation.
The European website is currently being updated.
MiraClair Wealth SASU is not regulated by the FCA, and the Financial Ombudsman Service and FSCS protections do not apply to its services.