Proctor Wealth Associates

Proctor Wealth Associates We provide independent, personalised financial planning to expatriates living and working all around the world.

Our financial planners work in conjunction within an IFA network which has over £3 Billion under management and over 120 offices worldwide. We aim to gain a clear understanding of our client’s targets and goals and to find a suitable investment solution through the various institutions that we facilitate.

Since the conflict in the Gulf began earlier this year, around 30,000 Britons have quietly left the UAE. What's striking...
05/06/2026

Since the conflict in the Gulf began earlier this year, around 30,000 Britons have quietly left the UAE. What's striking isn't that they left — it's where they went. Switzerland, Spain and Portugal are the destinations of choice. The UK, for most, isn't on the list.

The reason is largely tax. The April 2025 abolition of non-dom status means returning to the UK now comes with a meaningful bill for anyone with an offshore portfolio or UAE-built business. That's not a criticism — every country sets its own rules. It's simply a reminder that "go home" is a financial decision, not just a personal one.

The lesson sitting underneath the headlines applies to any expat, not just those leaving Dubai: banking that resets every time you move country, FX fees of 3–7% on large transfers, pension drawdown timed incorrectly — these are the details that quietly cost people tens of thousands of pounds.

We'd love to know — has a move ever caught you off guard financially? Share your experience in the comments, or tag someone who's weighing up a relocation right now. The full article is on our website.

If you've got savings, investments, or income tied to US dollars — as many expats do — last week was one worth paying at...
04/06/2026

If you've got savings, investments, or income tied to US dollars — as many expats do — last week was one worth paying attention to.

Kevin Warsh was confirmed as the new Federal Reserve chair on the 13th of May, by the narrowest margin in modern history. The same afternoon, a wholesale inflation reading came in at nearly three times what economists had predicted. US Treasury yields rose sharply in the days that followed.

For expats, the currency dimension here is particularly worth understanding. The usual rule is that higher US rates pull the dollar stronger. But markets are also starting to price in concerns about the Fed's independence — and those two forces are pulling in opposite directions right now. Most portfolios aren't set up equally well for both scenarios.

If you're wondering what any of this means for your own situation specifically, we've written a clear, jargon-free breakdown on our website. Have a read and feel free to share it with anyone you know who's living abroad and managing assets across currencies. We're always happy to have a no-pressure conversation about what the right structure looks like for where you live now.

https://www.pwa-intl.com/news/the-fed-has-a-new-chair-and-a-tougher-job-than-anyone-expected

If you're a British expat and you've seen the headlines about voluntary National Insurance getting five times more expen...
27/05/2026

If you're a British expat and you've seen the headlines about voluntary National Insurance getting five times more expensive from April 2026 — it's worth pausing before assuming that applies to your situation.

For most expats already topping up their UK State Pension from abroad, the cost change in the headlines isn't the part that matters. The part that does: new applicants now need ten years of UK NI history to qualify, not three. For long-term expats who hadn't yet started, that's the change that could close the door entirely.

We've written a plain-English breakdown of what changed, who it affects, and what we'd recommend depending on where you stand — whether you're already contributing, were on Class 2, or haven't started yet.

If you have a friend or family member living abroad who's been putting off looking at their State Pension, this might be worth sharing with them. The transitional window for some of these changes won't stay open indefinitely.

Read the full article at pwa-intl.com — link in the comments below.

If you're planning a move to Portugal — or you made the move in the last couple of years — there's a good chance some of...
27/05/2026

If you're planning a move to Portugal — or you made the move in the last couple of years — there's a good chance some of the tax information you've read is already out of date.

Portugal's Non-Habitual Resident regime closed to new applicants at the start of 2024. The replacement is much narrower than the headlines suggested, and it doesn't include the 10% pension rate that drew so many British retirees to Portugal in the first place. On top of that, the UK overhauled its inheritance tax rules in April 2025, moving to a residence-based system that can follow you for up to ten years after you leave.

We've written a straightforward, current overview of how Portugal taxes expats in 2026 — pensions, investments, property, inheritance, and the sequencing mistakes that catch people out. It's honest about what's changed and where older guides are still misleading people.

If you know someone weighing up a move to Portugal, it might be worth sharing this with them. And if you'd like to talk through how your own financial structure fits the picture, we're always happy to have that conversation. [URL]

If you've been researching Cyprus as a place to retire or relocate, you've probably come across a few tax guides doing t...
06/05/2026

If you've been researching Cyprus as a place to retire or relocate, you've probably come across a few tax guides doing the rounds. Worth knowing: most of them were written before 1st January 2026, when Cyprus introduced its most significant personal tax reform in years.

The tax-free threshold is now €22,000. The top rate kicks in later. SDC on rental income is gone. The non-dom regime has a paid extension option for those approaching the 17-year mark. And the 60-day residency rule was loosened in a way that opens the door for more globally mobile people than before.

On the UK side, inheritance tax changed too — from April 2025, it's your length of UK residence that determines your exposure, not your domicile. Any guide written before that date has this wrong.

We've put together a current, plain-English breakdown of where Cyprus actually stands in 2026. If you know someone weighing up a move, it might be worth passing on. You can read the full article here: https://www.pwa-intl.com/news/cyprus-tax-in-2026-what-s-actually-changed-for-expats-after-the-reform

Any questions about how the financial planning side fits together alongside your tax advice? We're happy to talk it through.

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