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Proctor Wealth Associates

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Nederland
The Hague
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.

04/09/2026

Here's a situation that comes up more than you might think.

A British expat moves to the eurozone, opens a local bank account, and puts a lump sum in it while they settle in. The plan is to 'sort it out properly' once life calms down.

A year or two later, that money is still there — and with the ECB rate now at 2.0%, many standard savings accounts are paying noticeably less. When you factor in local inflation running at 2–3% in parts of Europe, the real value of that sum may have quietly slipped.

If this sounds familiar, you're not alone — and there's no pressure here. It's simply worth knowing what your options actually look like, tailored to your situation and where you're living now.

We work with expats across Europe to review exactly this — independently, with no ties to any single institution. Have a read of our latest commentary on the link below, or feel free to get in touch for a conversation.

31/07/2026

If you spend part of the year at a home in Europe, this is worth a few minutes of your time.

Since 10th April, the EU's Entry/Exit System (EES) has been recording every non-EU passport crossing a Schengen border — biometrically, with exact timestamps. The familiar 90-day limit on visits hasn't moved, but the way it's enforced has changed completely. The fuzzy stamp count that many people quietly relied on is gone.

What surprises a lot of people is how directly this connects to tax residency. Day counts aren't just a travel inconvenience — they're the basis on which countries decide where you owe tax. We work with clients to make sure those two things — the life you're actually living and the financial and tax structure around it — genuinely match.

We've written a straightforward guide to what EES means in practice and what good planning looks like now. Do you know anyone whose year is split between the UK and Europe? It might be worth sharing this with them.

30/07/2026

If you hold a global index fund, last week's tech sell-off probably affected your portfolio more than you realise — even if you've never deliberately bought a US technology share.

Alphabet reported a genuinely strong quarter: revenue up 24%, cloud revenue up 82%. Its shares still fell more than 7%, because the market finally blinked at a $205 billion annual AI spending plan and the company's first negative cash flow quarter in over two decades.

The knock-on was swift. The so-called Magnificent Seven — the seven largest US tech names — fell 4.8% in a single day. A typical "global" tracker barely moved by comparison, but that's partly because it's so heavily weighted towards those same names. Around 70% of a global developed-markets fund sits in the US, and a large chunk of that in a handful of AI-linked companies.

For many of the expats we work with, the portfolio, the currency exposure and the platform it sits on were all chosen in a different country, under different circumstances. This is a sensible moment to check that everything still fits.

We've written up exactly what happened, why it matters and what we'd actually do about it — link in the comments. If someone you know is wondering what last week meant for their savings, feel free to share this with them.

30/07/2026

If you have built up a portfolio while living abroad, there is a reasonable chance it looks like most of the ones we review — well-intentioned, but quietly missing one of the few parts of the world where long-term growth is still relatively affordable.

Emerging markets — India, Indonesia, Vietnam, Brazil, and others — have spent the past decade delivering around 11% a year on the MSCI index. That is meaningfully ahead of the FTSE 100 over the same period. Yet they barely feature in most expat portfolios we see.

There are genuine risks to understand: currency swings, political instability, and an index that has become heavily concentrated in a handful of semiconductor companies. And for expats specifically, how and where you hold these investments can matter as much as which ones you choose.

We have written a straightforward guide to all of it — no jargon, just what you actually need to know. Have a read and let us know what questions it raises for your own situation. We are always happy to talk it through. 👇

https://www.pwa-intl.com/news/emerging-markets-opportunities-risks-and-how-to-invest

30/07/2026

If you live in France, Spain, Italy or Portugal and you've made a will — it's worth knowing that your will may not be the final word on who inherits your estate.

Most of continental Europe has forced heirship rules: a fixed share of your estate is legally reserved for your children, whatever you intended. In France, that can be up to three-quarters. In Spain, as much as two-thirds. It applies to expats just as much as local residents.

There is a way to take back some control — an EU regulation called Brussels IV lets you elect for your home country's succession law to apply instead. But it has real limits, and the tax side of things is entirely separate.

We've put together a plain-English guide to how all of this works, tailored to the situations expats actually face — blended families, unmarried partners, illiquid assets, and more.

If someone you know has recently moved to Europe, or hasn't looked at their estate arrangements in a few years, this is worth a read. Tag them below or share it on — it's one of those things that's much easier to sort out before it becomes urgent.

https://www.pwa-intl.com/news/who-actually-inherits-your-estate-when-you-live-abroad

29/07/2026

If you're raising children abroad and haven't yet sat down to total up the full cost of their education, it's worth doing — and it's worth doing before you need the money rather than when you do.

International school fees are rising at 5–8% a year. The real bill, once transport, exams, trips and everything else is included, is typically 20–40% above the headline tuition figure. And for many expat families, the university years bring the biggest surprise of all — children who've grown up overseas can be classed as international students, facing fees several times the home rate for the very same degree.

None of that has to be a problem. It's one of the most predictable costs you'll ever face, which means it's very plannable — especially if you start while time is still on your side.

We've written a guide to what this really costs in 2026 and how to build a plan that fits your situation, wherever in the world you're based. Have a read and feel free to tag another expat parent who'd find it useful: https://www.pwa-intl.com/news/planning-ahead-for-the-cost-of-educating-children-abroad

Any questions, we're happy to talk it through.

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.

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

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.

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]

Adres

Schenkkade 50 K
The Hague
2595AR

Openingstijden

Maandag	09:00 - 17:30
Dinsdag	09:00 - 17:30
Woensdag	09:00 - 17:30
Donderdag	09:00 - 17:30
Vrijdag	09:00 - 17:30

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+31 70 808 0152

Website

https://proctorwealthassociates.com/

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