Our founders, Sasan Lohrasb and Graham McNally, spent many years working overseas. They didn't just study cross-border finance; they lived it. At Frontier Wealth, we use that first-hand experience to help you navigate the high-stakes transition of moving your life and your capital across borders to the UK.

1. Navigating the Tax Transition

Moving between tax jurisdictions is a minefield. Whether you are arriving in the UK for the first time or returning after years abroad, your "split-year" treatment and the timing of asset transfers are critical. We help you understand how UK tax laws - and those of your country of origin - interact, ensuring you don’t face unexpected liabilities when moving your wealth home. If specialist tax advice is required, we can make the introduction to one of our trusted tax expert partners*.

2. Reconnecting Your Retirement Strategy

For many individuals returning to the UK, they’re not quite sure where they stand and pensions tend to be scattered around across old workplace schemes. You may have "dormant" UK schemes from years ago and new offshore assets from your time abroad. We help you trace and evaluate your global retirement pots to ensure they align with your UK future.

3. Moving Assets & Managing Currency Risk

The timing of your move can be just as important as the move itself. Exchange rate volatility can erode your hard-earned capital. We provide strategic guidance on moving assets and can introduce you to specialist FX brokers to ensure your currency transfers are executed efficiently and cost-effectively*.

4. Protecting Your New Reality

Your insurance needs shift the moment you touch down. Whether you’ve taken on a new UK mortgage that needs protecting, or your family no longer has the international medical cover provided by a previous employer, we reassess your Life, Health, and Income protection to ensure your dependants are secure in their new environment.

5. Decoding Your UK Remuneration

Starting a new high-level role in the UK often comes with complex benefit packages - from RSUs and share schemes to tiered pension contributions. We help you "translate" your new contract into a financial plan, ensuring you maximize your allowances and structure your benefits tax-efficiently from day one.

6. Planning for a Future Overseas

Not everyone who arrives in the UK stays forever. If your long-term goal is to retire abroad or move to a third country later in life, we build "portable" financial strategies. We ensure your current UK planning doesn't create "lock-in" effects that could disadvantage you in a future international move.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

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

*Please note that this is a referral service, as such the service provided is separate and distinct to those offered by St. James's Place.