Country Planning

Financial Advisor for Expats in Spain

Living in Spain 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 financial arrangements reviewed as one coordinated plan rather than as separate decisions 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 Spain

A move to Spain often changes the context in which existing financial arrangements need to be considered. An investment account, pension or insurance policy that was suitable while you lived elsewhere may need to be reviewed once your residence, spending currency, retirement plans and family circumstances change.

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.

Retirement planning for expats in Spain

For many clients, retirement planning is the main reason for seeking 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 in Spain

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 countries, a coordinated approach can also help reduce unnecessary duplication and make the overall portfolio easier to understand and review.

Explore investment planning for expats in Europe.

Estate and succession planning for expats

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 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, 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 Spain?

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 Spain?

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.

Do you provide Spanish 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.