How to Do an Investment Portfolio Review: A Complete Guide for UK Expats

As an expat, you may have investments in the UK, savings in another country, a pension that remains in Britain, property overseas, or assets spread across several jurisdictions. You may also earn income in one currency while spending money in another. Over time, these arrangements can become difficult to keep track of, particularly as your circumstances, financial goals and tax position change.

This is why conducting a regular investment portfolio review can be so valuable.

In this guide, I’ll explain how UK expats can approach an investment portfolio review, what to look for, the common mistakes to avoid and how professional financial planning can help you make more informed decisions about your wealth.

Key Takeaways

• An investment portfolio review helps you check whether your investments remain aligned with your financial goals, circumstances and future plans.

• A thorough review should consider your goals, investment time horizon, risk profile, asset allocation, diversification, investment performance and fees.

• Expats should also review their UK and international pensions, cash reserves, estate planning and beneficiary arrangements as part of their wider financial strategy.

• Professional financial advice can help UK expats understand how their investments, pensions and wider financial arrangements work together and ensure their strategy remains suitable for their long-term objectives.

What Is an Investment Portfolio Review?

An investment portfolio review is simply a chance to take a step back and look at your investments as a whole. In other words, it is about checking whether the money you have invested is still working towards the goals you want to achieve.

To understand this, it helps to think of your investment portfolio as a collection of all the investments you own. These might include shares, investment funds, bonds, pensions or other assets. Over time, however, your investments can change in value, while your personal circumstances and financial goals can change as well. As a result, a portfolio that was suitable for you several years ago may not necessarily be the right fit today.

For example, perhaps you started investing while living in the UK, but have since moved overseas. You might now earn your income in a different currency, have savings in another country or plan to retire somewhere other than the UK. At the same time, your family circumstances may have changed, or you may have new goals, such as buying a property, paying for your children's education or building a retirement fund.

During a review, you might look at:

• What you own: Understanding exactly which investments, pensions and other financial assets you have.

• Why you are investing: Identifying the goals you want your money to help you achieve, such as retirement, buying a property or providing for your family.

• How much risk you are taking: Considering how comfortable you are with your investments rising and falling in value, as well as whether you could cope financially if markets fell.

• How your money is invested: Checking whether your investments are spread across different types of assets, markets and regions rather than being too heavily concentrated in one area.

• What you are paying: Reviewing the fees and charges associated with your investments and considering whether you are receiving good value.

• Currency exposure: For expats in particular, considering which currencies your investments, income and future spending are linked to.

• Your tax position: Considering whether changes in your circumstances or country of residence could affect how your investments are taxed.

• Your future plans: Making sure your investment strategy continues to reflect where you want to live, when you may retire and what you want your wealth to achieve.

Why UK Expats Should Conduct Regular Investment Portfolio Reviews

Once you understand what an investment portfolio review involves, the next question is why it matters.

1. Your Circumstances May Have Changed

First and foremost, your personal and financial circumstances may have changed since you originally built your investment portfolio.

For example, you may have moved to a new country, changed jobs, received a significant pay rise, started a business or bought a property. You may also have married, started a family, received an inheritance or changed your plans for retirement.

As these changes can affect how much you earn, save and invest, they may also affect the strategy that is right for you.

Therefore, it is worth checking whether your investments still reflect the life you are actually planning, rather than the plans you made several years ago.

2. Your Tax Position May Have Changed

Alongside changes in your personal circumstances, moving abroad can also affect your tax position.

As an expat, your tax obligations may depend on factors such as where you are tax resident, where your investments are held and the type of income or investment returns you receive. If you move between countries, your position may change again.

Consequently, an investment portfolio that was suitable from a tax perspective while you were living in the UK may not necessarily remain suitable after you move overseas.

During an investment portfolio review, it can therefore be helpful to consider whether your current investments remain appropriate for your circumstances and whether you understand the potential tax implications of making changes.

Tax should not be the only factor driving investment decisions, but it is an important part of the bigger picture. Where necessary, your financial adviser can also work alongside specialist tax professionals to help you consider the wider cross-border implications.

3. Currency Risk Can Become More Significant

In addition to tax considerations, currency can become an increasingly important part of your financial life when you move overseas.

For example, you might earn your salary in Vietnamese dong, Singapore dollars, US dollars or euros, while continuing to hold investments or pensions in pounds sterling. You may also expect to spend your money in several different currencies throughout your lifetime.

As a result, changes in exchange rates can affect the value of your assets and your future spending power.

This is why, as part of your investment portfolio review, it can be useful to consider not only what you own but also the currencies in which your assets and future financial commitments are held.

Rather than trying to predict exactly how exchange rates will move, the aim should be to understand your currency exposure and consider whether it fits with your future plans.

4. Your Financial Goals May Have Evolved

Finally, even if your personal circumstances have not changed dramatically, your financial goals may have.

Perhaps you once focused primarily on building wealth, but now you are thinking about retirement. Alternatively, you may now be planning to buy a home, fund your children's education or return to the UK.

As your priorities change, your investment strategy may need to change with them.

For example, money you expect to use in the next few years may need to be managed differently from money that you plan to invest for several decades. Therefore, reviewing your portfolio regularly can help you check that your investments remain aligned with both your current priorities and your longer-term ambitions.

Ultimately, an investment portfolio review gives you the opportunity to bring these different pieces together. By looking at your circumstances, tax position, currency exposure and financial goals as part of the same process, you can gain a clearer picture of whether your overall investment strategy remains suitable for the life you want to build.

How to Do an Investment Portfolio Review: A Step-by-Step Guide

Now that you understand why an investment portfolio review can be particularly valuable for UK expats, the next step is to look at how to actually carry one out.

Step 1: Gather a Complete Picture of Your Wealth

Before you can decide whether your investment portfolio is working effectively, you first need to understand exactly what you own.

This is particularly important for UK expats because your wealth may be spread across several countries and financial institutions.

Start by creating a simple list of your assets and liabilities. For example:

The figures above are purely illustrative, but the exercise demonstrates why consolidation is useful. Once you can see your assets in one place, you may notice things that were difficult to see when looking at each account separately.

As a starting point, gather information about:

• Investment accounts

• UK and international pensions

• Stocks and shares

• Investment funds

• Bonds

• Cash savings

• Property

• Business interests

• Trusts or inherited assets

• Mortgages and other significant debts

Do not worry about making investment decisions at this stage. The goal is simply to establish where you stand.

Once you have this complete picture, you can move on to the next question: what are you actually investing for?

Step 2: Revisit Your Financial Goals

After establishing what you own, the next step is to consider what you want your wealth to achieve.

Your investments should have a purpose. Otherwise, it can be difficult to determine how much risk you should take, how long you should remain invested or whether your current strategy is appropriate.

For UK expats, your goals may be closely connected to your international lifestyle.

You might be investing to:

• Build a retirement fund

• Return to the UK in the future

• Retire overseas

• Buy a property

• Fund your children's education

• Build financial independence

• Create a source of future income

• Leave wealth to your family

Try to write down your main objectives and, importantly, when you expect to need the money.

For example:

These figures are examples rather than recommendations. The important point is that different goals have different time horizons.

Once you have identified your objectives, you can then consider how long each investment has to work for you. This leads naturally to the next stage of the review.

Step 3: Assess Your Investment Time Horizon

Your investment time horizon is simply the amount of time before you expect to need your money.

This matters because an investment strategy that may be suitable for a 20-year goal may not be appropriate for money you need in two years.

For example, imagine you are a UK expat living in Vietnam and you plan to return to the UK in three years to buy a home. You have £100,000 set aside for a future deposit.

Because you expect to need this money relatively soon, you may not want to expose the entire amount to significant investment fluctuations. A large fall in markets immediately before you need the money could leave you with less capital than expected.

On the other hand, if you are investing £100,000 for retirement in 20 years, you have considerably more time to potentially recover from short-term market declines.

Therefore, during your investment portfolio review, divide your objectives into three broad categories:

These categories are not strict rules, and everyone's circumstances are different. However, they provide a useful framework for thinking about your portfolio.

Once you understand when you will need your money, you can then consider the next question: how much investment risk can you reasonably take?

Step 4: Review Your Attitude to Risk and Capacity for Loss

The next stage is to consider investment risk.

All investments involve some degree of risk. Generally, investments with greater potential for long-term growth can also experience greater short-term fluctuations.

However, there is an important distinction between your attitude to risk and your capacity for loss.

Your attitude to risk is about how comfortable you are with the possibility that your investments may fall in value.

Your capacity for loss, on the other hand, considers how much financial loss you could actually afford to experience without seriously affecting your lifestyle or plans.

For example, you might be comfortable seeing a £100,000 investment fall temporarily to £80,000. However, if that £100,000 is needed for a house purchase next year, you may not have the financial capacity to accept such a loss.

Therefore, ask yourself:

• How would I react if my investments fell by 10%?

• What about 20%?

• Would I be able to remain invested?

• When will I need the money?

• Do I have enough cash available for emergencies?

• Would a significant investment loss affect my lifestyle?

A useful way to think about this is:

Risk tolerance asks, "Can I emotionally cope with a fall?"

Capacity for loss asks, "Can I financially cope with a fall?"

Both questions matter.

Once you have established your risk profile, you can assess whether the way your portfolio is currently invested matches that profile. This brings us to asset allocation.

Step 5: Examine Your Asset Allocation

Asset allocation refers to how your money is divided between different types of investments.

These may include:

• Equities or shares

• Bonds

• Cash

• Property

• Other investments

The right balance depends on your goals, time horizon and risk profile.

For example, a portfolio designed for someone who expects to retire in 25 years may look very different from one designed for someone who plans to retire in two years.

As an illustration, imagine two investors:

Investor A is aged 40 and expects to retire in 25 years.

Investor B is aged 62 and expects to retire in three years.

Even if both investors have £500,000, their investment strategies may be quite different because they have different time horizons and financial needs.

The purpose of reviewing your asset allocation is therefore not to find a universally "correct" percentage for equities, bonds or cash. Instead, it is to determine whether your current allocation makes sense for your circumstances.

Ask:

• How much of my portfolio is invested in shares?

• How much is held in bonds?

• How much is held in cash?

• Do I have significant property exposure?

• Does my asset allocation reflect my time horizon?

• Does it match my ability and willingness to accept risk?

Once you understand how your portfolio is allocated, you can take the next step and examine whether your investments are sufficiently diversified.

Step 6: Check Your Diversification

Diversification means spreading your investments rather than relying too heavily on one particular asset, company, sector, country or region.

The idea is straightforward: if one part of your portfolio performs poorly, other parts may help reduce the overall impact.

For UK expats, diversification deserves particular attention because you may already have significant exposure to certain countries through your wider financial life.

For example, imagine you have:

• A UK pension invested heavily in UK assets

• A UK property worth £400,000

• UK savings of £50,000

• A UK-based investment portfolio worth £100,000

You might think of your investment portfolio as being diversified because it contains several funds. However, when you look at your entire financial position, you may have a much greater exposure to the UK than you initially realised.

This is why diversification should be considered across your overall wealth, not just one investment account.

During your review, consider diversification across:

The aim is not necessarily to diversify as widely as possible. Instead, the goal is to avoid taking risks that you have not deliberately chosen.

Once you have assessed diversification, it is time to look at how your portfolio has actually performed.

Step 7: Review Investment Performance Properly

After reviewing what you own and how your investments are structured, you can now assess performance.

However, this is where it is important to avoid focusing too heavily on short-term results.

An investment portfolio should generally be assessed over a period that is appropriate for its objectives. For example, judging a retirement portfolio based solely on what happened over the last three months may provide very little useful information.

Instead, consider:

• How has the portfolio performed over an appropriate period?

• How does performance compare with a relevant benchmark?

• How much risk was taken to achieve the returns?

• What fees have been deducted?

• Does the investment still serve its intended purpose?

It is also important to remember that past performance is not a reliable indicator of future results.

For example, an investment that rose by 30% last year is not automatically a better choice than one that rose by 8%. The first investment may have taken substantially more risk to achieve its return.

Therefore, the better question is not simply: "Which investment made the most money?"

Instead, ask: "Has my portfolio delivered an appropriate outcome for the level of risk and cost involved?"

Once you have assessed performance, you can then examine another factor that directly affects your long-term returns: investment costs.

Step 8: Review Investment Fees and Charges

Investment fees may appear small, but over many years they can have a meaningful effect on your wealth.

For example, suppose you invest £250,000 and achieve an average gross return of 6% a year.

If your total annual costs are 1%, you would effectively receive a 5% annual return before considering tax and other factors.

Over 20 years, the difference can become significant because of the effect of compounding.

This is a simplified illustration, not a prediction of investment returns, but it demonstrates why costs deserve attention during an investment portfolio review.

Look for costs such as:

• Fund management charges

• Platform fees

• Adviser fees

• Transaction costs

• Currency conversion charges

• Administration fees

• Product charges

However, do not automatically assume that the cheapest option is the best option.

A lower-cost investment may not provide the same level of diversification, service, flexibility or professional support.

Instead, consider whether the overall cost represents reasonable value for the benefits you receive.

Once you have reviewed your investment costs, the next consideration becomes particularly important for people living internationally: currency.

Step 9: Consider Your Currency Exposure

For UK expats, currency can be one of the most overlooked parts of investment planning.

You may earn in one currency, invest in another and eventually spend your retirement income in a third.

For example, imagine you live in Vietnam and earn your salary in Vietnamese dong. However, you have a UK pension in pounds sterling and investments denominated in US dollars. You may also plan to retire in Spain and expect to spend your retirement in euros.

In this situation, you have exposure to several currencies.

This does not automatically mean that your portfolio is inappropriate. However, you should understand how currency movements could affect your wealth and future spending power.

Consider:

• Which currency do I earn?

• Which currency do I spend?

• Which currency are my investments linked to?

• Which currency will I need in retirement?

• Do I have future liabilities in pounds sterling?

• Do I expect to return to the UK?

For example, if you expect to return to the UK and buy a property in five years, you may want to think carefully about how much of the money intended for that purchase is exposed to currency movements.

The aim is not necessarily to predict exchange rates or eliminate currency risk. Instead, it is to understand your exposure and ensure that it fits with your future plans.

Once currency has been considered, the next step is to examine one of the most important assets many UK expats have: their pension.

Step 10: Review Your UK Pensions and International Pension Arrangements

For many UK expats, pensions represent a significant part of their long-term wealth.

However, pensions can be easy to overlook because they are often viewed as something that belongs to the future.

During an investment portfolio review, it is important to bring these arrangements back into the bigger picture.

You may have:

• A workplace pension from a current or former employer

• Several old workplace pensions

• A personal pension

• A SIPP

• An international pension arrangement

• Other retirement vehicles

For each pension, consider:

• How much is it worth?

• Where is it invested?

• What are the charges?

• What investment choices are available?

• When can you access the benefits?

• Does it still fit your retirement plans?

If you have several pension pots, you may also want to explore whether consolidation could be beneficial. However, consolidation is not automatically the right answer.

Some pensions may include valuable benefits, guarantees or specific terms that could be lost following a transfer. In addition, moving pension benefits between jurisdictions can involve complex regulatory and tax considerations.

Therefore, pension transfers and restructuring should be approached carefully and with appropriate professional advice.

After reviewing your pensions, you can then consider another essential part of your financial security: your cash reserves.

Step 11: Review Your Cash Reserves

Investing for long-term growth is important, but so is keeping enough accessible cash to deal with unexpected events.

This can be especially relevant for expats, who may face additional costs associated with international living.

Your emergency fund might need to cover:

• Unexpected medical expenses

• Emergency travel

• Temporary loss of employment

• Relocation costs

• Family emergencies

• Unexpected property expenses

For example, suppose your essential monthly expenses are £3,000 and you decide that you want six months of emergency reserves.

The calculation would be: £3,000 × 6 months = £18,000

This £18,000 is simply an example. The appropriate amount will depend on your job security, family circumstances, insurance coverage and other factors.

The important point is that your emergency savings should be considered alongside your investment portfolio.

If you do not hold enough accessible cash, you may be forced to sell investments at an inconvenient time. Conversely, holding very large amounts of cash for many years may mean that you miss opportunities for long-term growth.

Once you have considered your cash position, it is time to bring your current country of residence and future plans into the review.

Step 12: Consider Your Tax Residency and Future Plans

By this stage, you should have a much clearer understanding of your investments, goals, risk, diversification, costs, currency exposure, pensions and cash.

The next step is to consider how your current and future residency may affect your overall strategy.

As a UK expat, your financial journey may not follow a straight line.

You might live in Vietnam today, move to Singapore in five years and eventually return to the UK. Alternatively, you may decide to settle permanently in another country.

Each move could potentially affect your financial circumstances.

Therefore, consider:

• Where am I currently a tax resident?

• Could my tax residency change?

• Where might I live in retirement?

• Will I have financial obligations in the UK?

• Will my investments remain suitable if I move?

• Could moving to another country affect my pensions or investment arrangements?

It is important not to make significant financial decisions based on assumptions about tax rules. Cross-border taxation can be complex, and rules can change.

Instead, consider your investment strategy alongside appropriate professional tax advice where necessary.

Once you have considered your own future, you can then look at what might happen to your wealth if you are no longer here to manage it.

Step 13: Review Beneficiaries and Estate Planning

An investment portfolio review should not only consider how your wealth can support you during your lifetime. It should also consider what happens to your assets after your death.

This is particularly relevant for expats because your assets and family may be spread across different countries.

Review:

• Your will or wills

• Pension beneficiary nominations

• Life insurance

• Property ownership

• Trust arrangements

• Your intended beneficiaries

For example, you may have a UK pension, property in another country and investments held elsewhere. The rules governing these assets may differ depending on where they are located and your personal circumstances.

Therefore, it is important to consider estate planning as part of the wider financial picture.

Your financial adviser may work with legal and tax specialists where appropriate, helping you identify issues that require specialist attention.

Once you have reviewed your estate planning, there is one final question to ask about the structure of your portfolio: has it become unnecessarily complicated?

Step 14: Identify Unnecessary Complexity

Finally, take a step back and consider whether your financial arrangements are still easy to understand and manage.

As an expat, you may have accumulated financial products over many years and across several countries.

Perhaps you opened a UK investment account before moving overseas, joined a workplace pension, opened a savings account in your new country and later established another investment arrangement.

Over time, you may have accumulated several accounts that overlap or serve similar purposes.

Look for:

• Duplicate investments

• Overlapping funds

• Unnecessary accounts

• Excessive fees

• Old pension arrangements

• Unclear investment objectives

• Excessive cash holdings

• Unintended concentration

However, simplicity should not be pursued for its own sake.

For example, two separate pension arrangements may appear unnecessarily complicated, but one might provide valuable benefits that make keeping it separate worthwhile.

Therefore, the objective is not simply to have fewer accounts. Instead, it is to ensure that every financial arrangement has a clear purpose and contributes meaningfully to your wider plan.

How Often Should UK Expats Conduct an Investment Portfolio Review?

There is no single answer that applies to everyone.

For many investors, conducting a comprehensive review at least once a year can be sensible.

However, you should also consider reviewing your portfolio when you experience a major life event.

These may include:

• Moving country

• Changing jobs

• Getting married

• Having children

• Receiving an inheritance

• Buying or selling property

• Starting a business

• Approaching retirement

• Receiving a large financial windfall

• Returning to the UK

The key is to avoid making changes simply because markets have moved.

A long-term investment strategy should generally not be rebuilt every time markets experience volatility.

Instead, review your strategy when your circumstances or objectives change.

Should You Manage Your Investment Portfolio Review Yourself?

Some investors prefer to manage their own investments.

With access to online platforms and a wide range of investment information, it is certainly possible to take a hands-on approach.

However, managing investments as an expat can involve additional layers of complexity.

You may need to consider:

• Multiple currencies

• Multiple countries

• Different tax systems

• UK pensions

• International investments

• Cross-border estate planning

• Changing residency

• Future relocation

• International property

The challenge is often not finding an investment.

The challenge is understanding how all the pieces fit together.

A professional financial adviser, such as Benjamin Sharvell IFA, can provide an independent perspective and help you connect your investments with your wider financial plan.

This can be particularly valuable when you are making decisions that affect your long-term financial security.

How a Financial Adviser Can Help With an Investment Portfolio Review

A professional investment portfolio review should be about more than selecting funds.

The process can involve understanding your complete financial position, identifying your objectives and assessing how your existing arrangements work together.

A financial adviser may help you:

2. Consolidate information about your financial assets.

3. Clarify your short-, medium- and long-term goals.

4. Assess your risk profile and capacity for loss.

5. Review your asset allocation.

6. Identify concentration and diversification issues.

7. Examine investment costs.

8. Review pensions and retirement arrangements.

9. Consider currency exposure.

10. Coordinate with tax and technical advisers where appropriate.

11. Develop a strategy designed around your personal circumstances.

12. Monitor your portfolio as your life changes.

The value of advice is not necessarily about predicting the next market movement.

It is about helping you make informed decisions and maintain a disciplined strategy through different market and economic conditions.

Working With Benjamin Sharvell on Your Financial Plan

As a globally experienced financial adviser specialising in wealth management for expat clients, I work with clients to manage investment portfolios and develop personalised investment strategies designed around medium- and long-term financial goals.

As an expat myself, I understand the opportunities and challenges that come with building a financial life overseas. My approach is pragmatic and proactive, with an emphasis on collaboration and keeping up to date with global trends and developments that may affect internationally minded clients.

My services include:

Future Planning

Your financial goals are personal to you and your family. I can help you consider your wider financial objectives and, where appropriate, work alongside technical and tax advisers to explore solutions suited to your circumstances.

Areas of support include:

• Retirement planning

• Education fee planning

• Pension planning

• Succession planning

Savings Solutions

Making the most of your earnings is an important part of building long-term wealth.

Depending on your circumstances, savings solutions may include:

• Regular savings

• Lump-sum solutions

• Foreign exchange

• Offshore banking

• Tax-efficient and cost-conscious savings strategies

Pension Solutions

Pensions can play an important role in long-term financial planning, particularly for expats who have accumulated benefits in more than one country.

Relevant areas may include:

• UK pensions

• Swiss pensions

• Irish and European pensions

• SIPPs

• QROPS

• QNUPS

Pension arrangements can be complex, and not every solution will be appropriate for every person. Professional advice should be obtained before making decisions about transferring or restructuring pension benefits.

Property Solutions

Property may form part of an expat's investment strategy or long-term financial plan.

Depending on your objectives, areas of support may include:

• Property investments

• UK mortgages

• International mortgages

The right approach will depend on factors including your financial position, investment objectives, risk tolerance and future plans.

Insurance Solutions

Protecting your wealth is an important part of financial planning.

I can help clients consider protection needs including:

• Health insurance

• Life insurance

The purpose is to ensure that your wider financial plan takes account not only of growing wealth, but also of protecting yourself and those who depend on you.

Make Your Investment Portfolio Work for Your Future

An investment portfolio review is an opportunity to take a step back from the day-to-day noise of financial markets and consider the bigger picture.

For UK expats, this can be especially important.

If you are a UK expat and you have not reviewed your investment portfolio recently, now may be a good time to take a fresh look at your financial position.

Get in touch with our team today to arrange a free consultation!

Frequently Asked Questions About Investment Portfolio Reviews for UK Expats

1. How often should I conduct an investment portfolio review?

For many UK expats, reviewing their investment portfolio at least once a year can be a sensible approach. However, you should also consider reviewing your portfolio when an important change occurs in your life, such as moving to another country, changing jobs, getting married, having children, receiving an inheritance or approaching retirement.

2. What should I include in an investment portfolio review?

A comprehensive investment portfolio review should look at more than just investment performance. You should consider your financial goals, investment time horizon, attitude to risk, capacity for loss, asset allocation, diversification, investment costs and currency exposure.

As a UK expat, it is also important to consider your pensions, tax residency, savings, property and any plans to move countries or return to the UK..

3. Should UK expats keep their investments in pounds sterling?

Not necessarily. The right currency mix depends on your individual circumstances, including where you live, where you earn your income, where you expect to retire and which currencies you will need to meet your future expenses.

Rather than trying to predict exchange rate movements, it is generally more useful to consider your future financial needs and understand how much currency risk you are taking.

4. Should I consolidate my UK pensions and investments?

Consolidating pensions or investments can sometimes make your finances easier to manage and may reduce duplication or costs. However, consolidation is not automatically the right choice. Some pensions may include valuable benefits or guarantees, while certain investment arrangements may have specific tax, regulatory or contractual considerations.

Therefore, you should carefully assess the benefits, costs and potential consequences before transferring or consolidating any pension or investment. Where significant pension benefits are involved, obtaining appropriate professional advice is particularly important.

5. Do I need a financial adviser to conduct an investment portfolio review?

You can review your investments yourself, particularly if your financial arrangements are relatively straightforward and you are comfortable managing them.

However, UK expats often have additional considerations because their wealth may span different countries, currencies, pension systems and tax jurisdictions. A financial adviser with experience working with expat clients can help you look at these different elements together and assess how they fit into your wider financial plan.