We can help you financially prepare for retirement abroad

For many expats, retiring abroad can be a natural continuation of the life they've already built. Whether you're considering staying in Asia Pacific or making a move to another part of the world, retiring internationally can offer a compelling combination of lifestyle, climate, cost of living, and community.
However, retiring abroad does require you navigate a set of financial, legal, visa, and healthcare considerations, which we know can feel overwhelming.
We have extensive experience delivering tailored financial strategies to help expats retire abroad.

We conduct a close review of your personal circumstances to help build a clear picture of whether your income and assets can support the life you want in your chosen country. We will consider cost of living, currency risks, cross-border tax obligations and visa requirements.

Having conducted a careful review of your circumstances, we will provide you with a personalised plan, identifying the financial structures and stratgies that need to be in place to support your retirment abroad.

Access to quality healthcare in retirement is a major consideration and given state healthcare provision varies enormously between countries, comprehensive international health insurance is essential. We are international health insurance specialists and can help find a suitable policy for you.
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Retiring in a different country adds a layer of complexity to estate planning. Different jurisdictions have different rules around inheritance, probate, and the taxation of assets passed to beneficiaries. Having a multi-jurisdictional estate plan is an imporant part of ensuring the smooth transfer of assets to your loved ones.
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We know retiring abroad requires more than just a firm handle on your finances, you will likely also need specialist visaq, legal, and tax expertise. We have a trusted network of specialists across our key markets to ensure you have access to the right guidance at the right time.
Malaysia is an increasingly popular destination for expat retirees, offering a tropical climate, a relatively low cost of living, and a well-established international community, particularly compared with Europe, Australia or the US.
To retire in Malaysia long-term, you will need a suitable long-stay visa. Malaysia offers two government-backed residency programmes designed for this purpose: the Malaysia My Second Home (MM2H) programme and the Premium Visa Programme (PVIP). Each has its own eligibility criteria, financial requirements, and application process, so choosing the right route depends on your individual circumstances.
Watch our webinar below, where we walk through the key considerations for relocating and retiring in Malaysia, including a detailed look at MM2H and PVIP.
It depends on the type of pension you hold, your country of retirement, and how your pension income will be taxed in both your home country and your destination. Some pension structures are better suited to international retirment than others, and it is worth reviewing your pension arrangements before making any firm plans. We can help review your pension and understand your position.
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This depends significantly on your chosen destination, your lifestyle expectations, and your anticipated expenses including accommodation, healthcare, travel, and day-to-day living costs. Many popular expat retirement destinations in Southeast Asia offer a comfortable lifestyle at considerably lower cost than the UK, US, or Australia, but costs vary widely within regions as well as between them.
If your pension or retirement income is denominated in a different currency to your day-to-day expenses, exchange rate movements can materially affect your purchasing power. Other risk factors also include inflation differences between countries, and timing of currency conversions. Regular transfers, property purchases, or healthcare costs may also be impacted. We recommend seeking professional guidance to help you mitigate these risks.
This depends on your nationality, your tax residency status, the source of your income, and whether a double taxation agreement exists between your home country and your country of retirement. In many cases, establishing tax residency abroad does not eliminate all home country tax obligations, particularly for US citizens, who are subject to US tax on worldwide income regardless of where they live. Given all these variables, we strongly recommend you seek tax specialist guidance.
Most countries require retirees to hold a specific long-stay or retirment visa, and qualifying criteria typically incldue proof of sufficient income or savings, health insurance, and in some cases a minimum financial commitment. The right visa will depend on your chosen destination, your financial position, and your long-term plans.
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Thisis is one of the most important and most overlooked aspects of retiring abroad. Different countries have different rules around inheritance, probate, and the taxation of assets passed to beneficiaries, and if you hold assets in multiple jurisdictions, the picture becomes considerably more complex. A well-structured, multi-jurisdicational estate plan is an essential part of retiring abroad responsibly. We can provide guidance on estate planning.
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