How Forth Capital Supports British Expats Worldwide
Making the complex simple, for clients worldwide
Whether you have already relocated to Australia, or are preparing to make the move, managing your finances across borders brings both opportunity and complexity.
From optimising your tax position and managing currency exposure, to international wealth management and estate planning, cross-border life comes with a different financial rulebook.
That’s where we come in.
At Forth Capital, we specialise in helping high-net-worth (HNW) internationally mobile executives build, optimise, and protect their wealth - before, during and after a move abroad.
Our team of dual-qualified international advisors work with HNW expats across more than 50 countries worldwide to create tailored, cross-border financial strategies that provide confidence and flexibility.
We take the time to understand your goals and priorities, and build a clear, actionable plan around them. This empowers you to make key life decisions on your own terms with confidence and peace of mind - wherever you are now, and wherever life takes you next.
Why Forth Capital Group?
Over more than 20 years, the Forth Capital Group has built a reputation as a trusted financial advisor to high-net-worth internationally mobile executives, worldwide.
With regulated entities in the United Kingdom, Switzerland, the United States, Hong Kong, Australia, and Ireland, our international licenses and cross-border expertise enable us to provide our clients with continuity of advice and support.
From our experience and understanding of the international regulatory environment, to our award-winning1
advisory services, we pride ourselves on providing clarity and continuity in a world where international finance and tax legislation is rapidly evolving and becoming more complex than ever before.
What sets us apart:
- 20 years of experience across four continents providing bespoke international financial planning solutions to clients across 53 countries worldwide.
- Dual-qualified advisors licenced and regulated in multiple jurisdictions, including the UK, EU, Switzerland, Australia, the US, and Hong Kong.
- Award-winning advice as recognised by Investment International with their 2024 ‘Excellence in Advisory Best Practice’ award and shortlisted for the 'International Business of the Year' award at the 2025 British Business Awards.
- Rated as ‘Excellent’ by our clients on Trustpilot, reflecting the positive testimonials and feedback we receive from our clients worldwide.
- Continuity of advice and support, provided by an international advisory team that can support your cross-border planning at each stage of your journey - wherever in the world you are, and wherever you choose to work, live and retire.
We support clients at every stage of their international journey, whether you're planning a move abroad, managing assets in multiple countries, or returning home.
Combining our international financial planning, investment,
estate, and pensions expertise, with personal high touch service,
our dual-qualified advisors provide continuity of advice and support
wherever you are in the world – and wherever you choose to go next.
Tailored Financial Planning Advice for HNW British Expats
Secure your future wherever you are today
At Forth Capital, we don’t believe in one-size-fits-all solutions. We understand that every client’s financial journey is unique, shaped by personal goals, professional ambitions, and life across borders.
Whether you’ve been living in Australia for years, are relocating between jurisdictions, or are planning a return to the UK, we’re here to help you make informed decisions that align with your priorities.
We offer more than technical expertise. We provide guidance with purpose, delivered by trusted advisors who take the time to understand what matters most to you.
Integrated Planning
We bring together your entire financial picture - investments, pensions, tax structures, estate planning and succession strategies - and turn it into one clear, actionable plan.
This integrated approach helps you to position your investments for growth, model your cashflow with confidence, and protect your wealth, now and in the future.
Local Expertise
Our advisors stay abreast of evolving tax legislation, residency requirements and financial regulations across key European jurisdictions. From pension optimisation on leaving Switzerland to managing wealth tax exposure in Spain, we tailor your strategy to your location and long-term goals while keeping all cross-border considerations front of mind.
Built Around You
We build lasting relationships, not one-time solutions. Our advice evolves alongside your circumstances, whether you are growing a business, changing countries, preparing for retirement, or returning home. Your dedicated advisor will be by your side every step of the way, making the complex simple, and offering clarity and continuity.
By ensuring that you're financially prepared for the future, you can
make key life choices on your own terms, without compromise -
from funding your children's education, to having the means to step back
from work when you choose to, with confidence and peace of mind.
With a detailed plan in place to secure your financial freedom, you can
live in the moment, safe in the knowledge that tomorrow is taken care of.
Grow and Protect Your Wealth
Build lasting value and preserve it across generations
Forth Capital offers each of our clients an optimal investment solution; a bespoke goal-based financial plan tailored to their individual cross-border requirements, combined with access to a range of award-winning investment portfolios designed and managed by Morningstar - the world’s largest funds analytics company - to help them achieve their goals.
Benefitting from Morningstar’s world-leading investment, asset-allocation, and risk profiling research - delivered by more than 400 analysts worldwide - these ‘Next Generation Global Investment Strategies’ provide exposure to a broad range of asset classes, delivering strategic diversification, weighted according to each client’s risk and return expectations.
Growing your wealth is only one part of the equation, however. Just as important is protecting it, ensuring it remains resilient, tax-efficient, and capable of supporting the people and priorities that matter most to you.
Our high-net-worth clients come to us for long-term, strategic wealth management. Many hold assets across multiple countries, currencies, and jurisdictions. We can help to provide the clarity and structure they need to manage complexity, take advantage of cross-border opportunities, and prepare for life’s transitions with confidence.
Our services include:
- Global investment management tailored to your risk appetite, income needs and future plans.
- Multi-currency portfolio strategies to mitigate currency risk and support an international lifestyle.
- Cross-border estate and inheritance tax planning to minimise exposure and support efficient wealth transfer.
- Trust structuring and legacy planning to protect family wealth and align it with long-term intentions.
So, whether you are looking to preserve capital, diversify risk, plan for a future liquidity event, or pass on wealth in the most efficient way possible, we can help you make informed decisions that align with your personal values and financial objectives.
Optimise Your Pension
Maximise income and preserve value across borders
Your pensions have the potential to be strategic building blocks for your financial future. Whether you plan to retire abroad or return to the UK, understanding how to structure and access your pension benefits efficiently is essential.
At Forth Capital, we provide holistic pension advice for British expats with complex international lives. We understand the challenges that come with navigating multiple pension systems, varying tax laws, and different retirement regulations across jurisdictions.
Our aim is to make the complex simple, enabling you to make informed decisions that preserve value, enhance income, and reduce your tax exposure.
Our services include:
- UK Pension Transfers, including International Self Invested Personal Pensions (SIPPs) and Regulated Overseas Pension Schemes (ROPS ), aligned with your residency and retirement goals.
- Swiss Pension Withdrawals from Pillar 2 and Pillar 3 schemes, with tax-efficient strategies to reduce withholding tax.
- Pension investment strategies with exclusive access to Morningstar’s ‘Next Generation Global Investment Strategies’, designed to grow your pension while managing risk.
- Repatriation planning for clients returning to the UK, including inheritance tax considerations.
- Cross-border pension guidance, including dual-residency advice and coordination with local tax professionals where required.
Our approach is practical, transparent, and informed by the latest international regulatory changes. We will help you to optimise your income, stay compliant from a tax perspective, and maintain the flexibility you need as your needs and priorities evolve.
Making the Complex Simple
What Our Clients Say
Extremely helpful and knowledgeable
"I contacted Forth Capital upon finding out my current adviser did not have the correct licence for my residence status. Niamh was extremely helpful and knowledgeable. I chose between three companies. Six months later it was definitely the right decision for me to be with Forth Capital and Niamh.”
Mrs McGuire [Trustpilot review]
Professional and attentive service
"I'm very satisfied with the service offered by Jamie, a UK Chartered International Financial Planner, with his professionalism, and especially with his patience throughout the process.
It took me more than one year to make a decision, and I never felt rushed to make a decision, or forgotten. The advice I received from Jamie was clear and sound.”
Luis U [Trustpilot review]
Professional and attentive service
“My experience with Tom Williams has been excellent from my initial inquiry. In all our dealings Tom has had our best interest at heart at all times.
We could not ask for more. I would not hesitate to recommend Forth Capital and Tom.”
Richard Dooley [Trustpilot review]
Making the Complex Simple for British Expats Worldwide
With dual qualifications and licences, we help British expats cut through the complexity of international financial planning. Whether you’re managing pensions across borders, navigating currency risk, or planning for retirement overseas, we provide clear, transparent, personalised advice to ensure your wealth is structured tax-efficiently and ensure that costly mistakes are avoided.
We work closely with clients facing global financial challenges, offering joined-up solutions that align your pensions, investments, and long-term goals. The aim is simple: effective, integrated planning that works wherever life takes you.
If you’d like to schedule a consultation to discuss your financial planning, wealth strategy, or pension arrangements get in touch today.
Frequently Asked Questions
Early planning can help you to optimise your investment strategy, avoid potentially costly tax pitfalls, and ensure that your assets are structured correctly from day one.
Yes. We specialise in advising British expats on their company and private pensions. Whether you are considering transferring your pension to an International Self Invested Personal Pensions (SIPPs) and Regulated Overseas Pension Schemes (ROPS), or looking to create a detailed drawdown strategy, we can help you to structure your pensions to suit your residency and long-term goals. We also advise on tax implications and currency considerations when accessing your pension from abroad.
Cross-border estate planning can be complex. We can help you to structure your estate to align with both UK inheritance tax rules and those of your country of residence. Our goal is to protect your family’s financial future and reduce unnecessary tax exposure.
Yes. Many of our clients eventually return to the UK. We provide repatriation planning to help you prepare for this transition, covering areas such as your pension strategy, managing currency risk, and key tax considerations encompassing Capital Gains Tax (CGT), Foreign income Regime (FIG) and Inheritance Tax (IHT).
1 Excellence in Advisory Best Practice Award Winners at the International Investment Awards 2024
- This communication is for information purposes only and does not constitute financial, legal, or tax advice.
- All content is based on current UK legislation and is subject to change. All planning arrangements should be regularly reviewed in consideration of legislative updates.
- Pension regulation and tax treatment vary between jurisdictions. Any reference to UK or international pension rules is portrayed in general terms and is not intended to reflect individual circumstances. Any examples provided are hypothetical and for illustrative purpose only. Outcomes will differ based on individual circumstances and local law and regulation.
- Pension transfers carry specific risks and may not be appropriate for everyone. The suitability of any transfers or investments should be assessed on an individual basis.
- Past performance is not a reliable indicator of future results. The value of investments can fall and rise, and you may not get back the amount originally invested.
Last updated 24 July 2025
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