Country Planning

Financial Advisor for Expats in Poland

Living in Poland can make financial planning more complex when your pensions, investments, savings, property or family interests remain connected to the UK or other countries. Elysium Wealth Advisors supports internationally mobile clients who want their finances reviewed as one coordinated plan rather than as separate decisions made in different jurisdictions.

Our work with expatriates can include retirement planning, UK pension and SIPP considerations, investment planning, wealth management, protection, and estate and succession planning. Where tax or legal advice is required, we can work alongside appropriately qualified local professionals.

Financial planning for British and international expats in Poland

A move to Poland can change the context in which existing financial arrangements need to be considered. Pensions, investment accounts, insurance policies and cash holdings may have been established while you lived elsewhere, while your current spending, residence and long-term plans are now centred in Central Europe.

Cross-border financial planning starts by looking at the whole picture: where you live now, where your assets are held, which currencies you use, where you expect to retire, and what you want your wealth to achieve for you and your family. For clients living in Poland, this may include considering future spending in Polish zloty alongside assets or pensions held in sterling or other currencies.

Retirement planning for expats in Poland

For many expatriates, retirement planning is the main reason for seeking financial advice. The aim is to understand how pensions, investment portfolios, cash reserves and other assets can work together to support a sustainable income over time.

If you have UK pensions, the planning conversation may include defined contribution pensions, SIPPs, workplace pensions and the timing of retirement benefits. Pension decisions can have long-term consequences, so options should be assessed in the context of your residence, objectives, risk tolerance and wider financial position rather than in isolation.

Read more about UK pension and SIPP advice for expats.

Investment and wealth management for expats in Poland

Investment planning for expatriates should reflect both personal goals and international circumstances. We consider factors such as investment time horizon, capacity for loss, liquidity needs, diversification and the currencies in which future spending is likely to occur.

For clients with assets spread across the UK, Poland and other countries, a coordinated approach can help reduce unnecessary duplication and make the overall portfolio easier to understand and review. The objective is not simply to hold investments, but to connect the portfolio to your retirement, family and lifestyle goals.

Explore investment planning for expats in Europe.

UK pension and SIPP considerations while living in Poland

British expatriates may continue to hold UK pension arrangements after moving abroad. The appropriate approach depends on the type of pension, your age, objectives, residence and wider circumstances. A review can help you understand how existing arrangements fit with your retirement income strategy and international financial plan.

We do not assume that transferring or changing a pension is automatically appropriate. The starting point is to understand what you already have, the benefits and restrictions that apply, and how those arrangements support your long-term objectives.

Estate and succession planning for international families

International families can have assets, beneficiaries and legal connections in more than one jurisdiction. Financial estate planning can help you organise ownership, beneficiary information and long-term family objectives, while legal and tax matters should be addressed with appropriately qualified professionals in the relevant countries.

Learn about estate and succession planning for expats.

Why cross-border financial planning matters

International financial planning is not simply about choosing investments. It is about making sure that pensions, investments, cash, protection and estate plans are considered together as your circumstances change. This can be particularly important for people who have worked in several countries, hold assets in different currencies, have family members living elsewhere, or expect to move again in the future.

See our approach to international and cross-border financial planning.

Frequently asked questions

Can Elysium advise British expats living in Poland?

Elysium works with internationally mobile clients, including British expatriates. The appropriate service and regulated advice route depends on your residence, circumstances and the type of advice required.

Can you help with UK pensions if I live in Poland?

We can help clients review UK pension arrangements as part of wider retirement planning. Any recommendation depends on the type of pension, your objectives, residence and personal circumstances.

Can you help if my investments and pensions are held in several countries?

Yes. Cross-border planning is designed to consider assets and financial objectives together rather than treating each account in isolation. The exact advice available depends on your circumstances and regulatory position.

Do you provide Poland tax or legal advice?

No. Tax and legal advice should be provided by appropriately qualified professionals. Where relevant, financial planning can be coordinated with your tax adviser or lawyer.