Repatriation planning

Returning to the UK after a period of time overseas requires careful consideration and planning. Ensuring that your affairs are in order and that your finances and investments are administered efficiently is of paramount importance. St. James's Place Wealth Management can help ensure expat clients returning to the UK experience a smooth transfer of investments and continuity of advice.

Our relationship-based advice proposition is committed to helping you manage your wealth in a way that reflects your personal circumstances. So, whilst we appreciate that your planned return home represents a significant change for you, we believe we can aid the transition by offering you the option of continuing that relationship through our distinctive Repatriation Service.

The key to a successful and financially efficient repatriation is the planning process. Consequently, we recommend that the repatriation planning process begins 12 to 18 months before your intended departure. There are many considerations that come into play in the lead up – for example: surrendering investments at the wrong time, or arranging them in an inappropriate manner, can lead to significant and unexpected tax consequences in the UK. It can take considerable time to restructure investments (if it is appropriate to do so), and it is essential to review existing arrangements to ensure their continued tax efficiency.

Knowing how to take advantage of the opportunities available to you is vital, and just one example of how our advice can be essential to you. If you’re returning to the UK, you’re also assured continuity of advice and service via a seamless handover to an appropriate adviser in the UK who is familiar with your circumstances and existing investments.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less that you invested.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.

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If you would like to speak to us about a particular issue or wish to find out more about the services we offer, please get in touch.