FOR BRITISH EXPATS IN EUROPE WITH £200K+
STOP GUESSING RETIREMENT.
LEARN TO MAXIMISE YOUR RETIREMENT INCOME AND MINIMISE YOUR TAX BURDEN
Discover the 6 key questions every expat should ask before retiring to
take charge of your pensions, taxes and retirement.
"The Definitive Guide to a Tax-Efficient Retirement"
For British Expats in Europe with £200,000+
Stop Guessing Retirement
6 Questions Every British Expat Should Ask Before Retiring Abroad
"The Definitive Guide to a
Tax-Efficient Retirement"
For British Expats in Europe with £200,000+
What's inside the guide
Work out your magic number - how much you can actually spend in retirement, and how to draw it from your pensions and savings so the money lasts as long as you do. No more guessing.
Keep more of what's yours - how cross-border tax really works for expats, so you stay compliant, sidestep double taxation, and stop quietly overpaying year after year.
Put a lump sum to work - sold a property, or a business, or recently inherited? How to invest that lump sum in line with your goals, instead of leaving it sitting idle or risking it on the wrong thing.
Choose the right tax-efficient wrappers - how to hold your investments in the most tax-efficient way for the country you actually live in, not the one you left behind.
Keep control of your UK pension abroad - your real options as a non-resident, including how to keep flexible access instead of being forced into all-or-nothing.
6 retirement income strategies to consider - how to navigate a tax-efficient retirement as a British expat in Europe.
What's inside the guide
Work out your magic number
Calculate your retirement spending and draw-down strategy.
Keep more of what's yours
How to invest a lump sum wisely instead of leaving it idle.
Put a lump sum to work
Your real options as a non-resident, with flexible access control.
Choose the right tax-efficient wrappers
How to hold investments tax-efficiently in your actual country, not the one you left.
Keep control of your UK pension abroad
Your real options as a non-resident, with flexible access control.
6 retirement income strategies
How to navigate a tax-efficient retirement as a British expat in Europe.
About the author
Ross Naylor, Chartered Financial Planner
I'm not a UK adviser guessing what life abroad is like, I've lived it for 25 years.
I left Edinburgh a quarter of a century ago and built my life as an expat in Europe - family, home, and my own money managed across the same borders, tax rules and currencies you're dealing with now.
So when I talk about the pension that won't pay out flexibly, or the "tax-free" lump sum that suddenly isn't tax-free - I've been on the other side of those decisions. Not read about them. Lived them. For myself and many clients.
On paper, I'm a Chartered Financial Planner, the highest financial planning qualification in the UK, and a European Financial Planner, fully qualified across Europe. 30 years in.
My work specialises in cross-border planning, so if your money is simple and entirely in the UK, you don't need me or this guide.
If your life crosses borders? This guide is written to answer any questions that you might have.
It’s a quick and easy planning guide - the plain-English version of what I'd tell you in person. Nothing to sign. Nothing to buy. Just understanding your options, before you decide your next move.
About the author
ROSS NAYLOR
I'm not a UK adviser guessing what life abroad is like, I've lived it for 25 years.
I left Edinburgh a quarter of a century ago and built my life as an expat in Europe - family, home, and my own money managed across the same borders, tax rules and currencies you're dealing with now.
So when I talk about the pension that won't pay out flexibly, or the "tax-free" lump sum that suddenly isn't tax-free - I've been on the other side of those decisions. Not read about them. Lived them. For myself and many clients.
On paper, I'm a Chartered Financial Planner, the highest financial planning qualification in the UK, and a European Financial Planner, fully qualified across Europe. 30 years in.
My work specialises in cross-border planning, so if your money is simple and entirely in the UK, you don't need me or this guide.
If your life crosses borders? This guide is written to answer any questions that you might have.
It’s a quick and easy planning guide - the plain-English version of what I'd tell you in person. Nothing to sign. Nothing to buy. Just understanding your options, before you decide your next move.
Clear advice for life across borders.
2026. Ross Naylor.
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