Cross-border wealth management and financial planning
Build a wealth strategy that works across borders
Our cross-border wealth advisers work alongside you and our team of technical and tax specialists to structure a globally coordinated strategy for your investments, pensions, property, estate planning and long-term wealth preservation, taking into account the applicable tax considerations.
Speak to a cross-border wealth adviser
What happens if your wealth spans multiple countries without a plan?
Cross-border living creates opportunities, but it can also introduce financial risks that are difficult to address through advice focused on a single jurisdiction.
You may face:
- Conflicting tax rules across jurisdictions
- Residency-based tax obligations
- Foreign exchange exposure
- Retirement income and pension portability challenges
- Estate planning and inheritance tax complications
- Offshore investment decisions
- Changing reporting requirements and legislation
Without planning, a move abroad can unintentionally increase taxes, restrict investment flexibility, expose assets to currency risk and complicate succession planning.
Making financial decisions before relocating is often significantly more effective than trying to restructure assets after becoming tax resident in a new country.
What is cross-border wealth planning?
Cross-border wealth planning coordinates your investments, pensions, tax position, property and estate planning when your financial life spans more than one country.
Our advisers provide integrated guidance covering:
Financial planning
Tailored plans that connect your investments, retirement strategy, tax position and long-term objectives.
Tax-efficient structuring
We maximise tax and IHT mitigation strategies as part of a cross-border financial plan, helping align your investments, pensions and assets with your country of residence.
Offshore investments
Globally diversified portfolios designed to reduce concentration risk and help preserve purchasing power over the long term.
Retirement planning
Strategies for UK expats, South Africans abroad and internationally mobile families.
Estate and succession planning
Helping you transfer wealth efficiently to future generations while considering cross-border inheritance and estate tax exposure.
Mortgage and property advice
Guidance for UK property ownership, international property investment and debt structuring.
Insurance advice
Whole of market advice for UK and South African residents or clients in expat locations requiring specialist offshore cover. We advise on all major insurance areas, including life cover, disability cover, private medical cover, income protection, critical illness and specialist international life cover.
Our key jurisdictions
We offer cross-border financial advice tailored to where you live.
United Kingdom
From our head offices in London, we offer a range of services tailored to UK residents and those relocating to the UK, including financial planning, portfolio construction, and mortgage and insurance advice.
South Africa
Whether you’re leaving or returning to South Africa, we can help with your tax structuring, trusts and offshore investments.
Portugal
We offer specialist assets and investment advice, including the NHR and IFICI tax incentives
Key benefits of working with a cross-border specialist
Protect your wealth
Identify and manage cross-border tax risks that frequently arise when assets and income span multiple countries.
Diversify beyond one economy
Access international investment opportunities rather than remaining concentrated in a single market.
Future-proof your financial plans
Create a structure that evolves with changes in residency, legislation and family circumstances.
Create a retirement strategy that travels with you
Ensure your pension, investments and retirement income strategies can adapt wherever you chose to live.
Reduce currency risk
Manage the impact of exchange rate volatility on your investments, retirement income and lifestyle.
Simplify complexity
Receive coordinated advice that considers your entire financial picture rather than isolated products.
Generalist adviser vs cross-border specialist
| Consideration | Local Adviser | Sable Cross-Border Wealth Advice |
|---|---|---|
| Multiple tax jurisdictions | Limited visibility | Integrated cross-border view |
| International retirement planning | Often restricted | Specialist expertise |
| Offshore investments | Frequently limited | Global investment perspective |
| Currency risk | Rarely addressed | Core planning consideration |
| Relocation planning | Generally outside scope | Integrated into strategy |
| Estate planning across countries | Complex to coordinate | Cross-border focused |
Why choose Sable International?
- 30+ years of cross-border experience, supporting internationally mobile clients since 1995
- Qualified advisers – our team includes Certified Financial Planners and Chartered Financial Planners with experience across multiple jurisdictions
- UK, South African and European advisory capabilities
- Investment, pension, mortgage and tax planning expertise
- Specialists in expat and relocation-related planning
- Long-term financial planning approach
- Independent advice with access to broad market solutions
- Deep understanding of migration-driven financial planning
Wealth and tax planning that works together
Cross-border wealth decisions rarely happen in isolation. Your investments, pensions, property, tax residency and estate planning can all affect one another when more than one country is involved.
Our wealth advisers work alongside Sable International's cross-border tax specialists to help create a coordinated strategy around your wider financial position, where applicable.
What our customers say
Frequently Asked Questions
01Do I need financial advice before moving abroad?
Yes. Many of the most valuable planning opportunities exist before tax residency changes or assets are transferred.
02What countries do you advise clients in?
03Can you help if I'm planning to retire overseas?
04Should I invest offshore?
05What if I am moving to Portugal?
06Can you assist if I am returning to South Africa?
07How often should my financial plan be reviewed?
08Why use a specialist rather than a local adviser?
09Can my UK adviser still help me if I retire abroad?
Meet your wealth team:
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Tell us what country you live in, where your assets are held and where you're planning to move. We'll connect you with the right cross-border specialist.
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