About Expat Financial Advice 


Expat Financial Advice Online are international advisers for financial advice to expatriates, providing products and service in the international market from its central base in the Philippines. Working alongside worldwide institutions we provide expatriates with UK pensions transfers, QROP's and SIPP's, Australian Superannuation's, USA 401K's, advice on a regular term savings, lumpsum Investment advice, personal Insurance advice and many more.

Our focus is on you as an expatriate whether you have retired or working abroad. Our expat financial advisers can also assist you with corporation advice on pensions, corporate banking, corporate insurance, high net worth planning including a family office and high net worth investing. 

Expat Financial Advice can help you create a coherent strategy incorporating existing arrangements as well as implementing new structures to accumulate the capital required to meet your financial goals. This will involve careful analysis of the exact capital needed at the various stages of your life and how best to meet those needs using vehicles which will incorporate all of the criteria specific to you.


This means using secure, reputable institutions to manage your capital, and performance in line with your personal risk profile, flexible investment plans which can change as your life develops, and provide ongoing advice to work with you for the entire term of your investment, should you wish. 

With an online approach for expatriates globally, we work alongside you to help give you the financial freedom you deserve. Your needs now and in the future are what's important and Expat Financial Advice Online have you covered from the start.


Our Philosophy is simple, help create financial freedom for expats globally with cost effective solutions. Our advisers have built up over 50 years experience in the industry providing onshore and offshore advice.



Frequently asked questions

Are the Expat Financial Advisers Regulated?

Yes, all expat financial advisers are qualified to a minimum standard in the industry with regular on going training to keep upto date in the market.

What are the benefit's 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 benefit's 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 in value, 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 now?

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 adviser s 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%.

What is the charge for a pension transfer?

Expat Financial Advice Online believe in keeping things simple. Our charge for pension transfer are 1% up to £1 million in value, 0.5% £1 million to £2 million and 0.25% thereafter. We charge and ongoing management charge of 1% to the value of £1 million and 0.5% thereafter. These figures are based on personal pensions, defined benefit pensions are subject to further charges.

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