Independent financial planning for British expatriates across Europe and beyond.
Relocating overseas offers new opportunities, experiences, and lifestyles — but for British expatriates, it also brings financial complexity.
From managing UK pensions and investments to navigating unfamiliar tax regimes abroad, your wealth deserves expert, cross-border care.
At Blacktower Financial Management, we provide tailored financial solutions for UK expatriates relocating across Europe and beyond. With more than four decades of experience, we help you make confident, well-informed decisions about your wealth — ensuring your financial plan remains structured, compliant, and aligned with your long-term objectives.
Whether you’re planning for retirement, reviewing your portfolio, or simply seeking clarity about your finances before or after your move, our international advisers can help.
Expat Financial Solutions at a Glance
Our services are designed to support British nationals before, during, and after their move overseas — integrating tax, investment, and pension strategies under one cohesive global structure.
Create a Tax-Efficient Cross-Border Strategy
Tax rules differ significantly between the UK and other countries, and many British expatriates find themselves navigating overlapping systems. Without proper planning, this can lead to double taxation or missed reliefs.
At Blacktower, we help you:
• Structure your assets to support efficient cross-border planning
• Coordinate with tax specialists in both the UK and your new country of residence
• Manage currency exposure and overseas reporting obligations
• Understand how investment and pension withdrawals are treated under local tax regimes
Our cross-border expertise ensures you remain compliant while minimising unnecessary liabilities — whether you’re moving to Portugal, Spain, France, or further afield.
Build a Globally Diversified Investment Portfolio
Your investment portfolio should move with you — and continue to work effectively once you’ve left the UK. Market access, tax treatment, and currency exposure can all change when you relocate, meaning a UK-structured portfolio may no longer be optimal.
Our global portfolio management service provides:
- Investment strategies tailored to your risk profile and residency
- Access to a wide range of international fund managers and markets
- Regular portfolio reviews and rebalancing
- Transparent performance reporting in your chosen base currency
Whether your objective is growth, income, or preservation, we’ll help you structure a portfolio that adapts to your new financial landscape and evolves as your circumstances change.
Simplify and Consolidate Your Pensions
Many British expatriates hold several pension schemes — personal, occupational, or SIPPs — often left behind in the UK. Managing them individually can be inefficient, with varying fees, reporting standards, and investment options.
Our pension consolidation service can help you:
- Gain a complete view of your total retirement savings
- Simplify administration and potentially reduce charges
- Access wider investment opportunities
- Improve flexibility for drawing income abroad
We’ll review all your existing UK and international arrangements and help you select a structure that reflects your new residency status and retirement goals.
QROPS Review and SIPP Transfers
If you’ve already transferred your UK pension into a Qualifying Recognised Overseas Pension Scheme (QROPS), it may be time to review whether that structure remains suitable.
Changes to tax rules, residency, or UK pension legislation can affect how efficient your QROPS remains. In some cases, a Self-Invested Personal Pension (SIPP) may now offer better flexibility, lower costs, and improved currency options — especially for those planning to retain ties with the UK or return in future.
Our advisers will:
• Compare the benefits, risks, and costs of your current arrangement
• Assess whether transferring to a SIPP could improve outcomes
• Ensure compliance with HMRC and local tax authorities
• Manage the entire transfer process with full transparency
Each case is unique. That’s why independent, regulated advice is essential before making any change to your pension arrangements.
All recommendations are made following full suitability assessments and in line with UK and EU regulatory standards.
Why Choose Blacktower?
For more than four decades, Blacktower has been guiding UK nationals through every stage of their financial journey overseas. With offices across Europe and beyond, our advisers combine local insight with international expertise — helping you make informed, compliant, and confident decisions about your wealth.
Our approach is built on three key principles:
1. Independent & Transparent Advice
We are not tied to any single product provider, ensuring that recommendations are based solely on your best interests.
2. Cross-Border Expertise
We understand how double taxation treaties, residency rules, and reporting obligations interact across jurisdictions — helping you avoid pitfalls and structure your wealth efficiently.
3. Personalised, Long-Term Support
Financial advice shouldn’t end when you move. As your circumstances evolve — whether you change country, career, or life stage — your Blacktower adviser remains by your side to review and adjust your plan.
Protecting and Growing Your Wealth Overseas
Our mission is simple — to help you live the life you’ve worked hard for, wherever you call home. From tax-efficient investing to long-term wealth protection, we’ll ensure your finances support your lifestyle goals abroad.
We can help you:
- Maximise after-tax returns through smart cross-border structures
- Protect wealth from inflation, volatility, and currency fluctuations
- Build a sustainable income plan for your retirement abroad
- Safeguard family assets through effective estate and succession planning
From retirees seeking stable euro-denominated income to professionals relocating for work, we provide solutions that are personal, practical, and fully compliant.
How to Get Started
Your journey to financial clarity begins with a complimentary 15-minute discovery call.
Speak directly with one of our experienced advisers to outline your priorities and explore the right strategies for your move abroad.
Whether your goal is to consolidate pensions, optimise tax efficiency, or build a globally diversified investment portfolio, we’ll help you take the first confident step toward your financial objectives.
Please note: A full suitability assessment will be required before any specific investment or pension recommendation can be made.
Book your discovery call today and start planning your financial future overseas with confidence.