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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.

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made the move in the last couple of years — there's a good chance some of the tax information you've read is already out of date.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]

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.

01/04/2026

If you've glanced at your portfolio recently and felt a familiar knot in your stomach, we understand. Markets are noisy right now — oil prices up over 25% since the Iran conflict began, tariff policy in flux, and the S&P 500 sitting around 7% below its recent peak.

When you're an expat, that noise can feel louder. You're watching it all from a different time zone, often with your savings in a different currency to the one you're spending day to day.

But before you reach for the sell button, it's worth knowing this: according to JP Morgan's analysis, missing just the ten best trading days in the market over a twenty-year period would have more than halved your returns. Seven of those ten days came within two weeks of the ten worst.

The recovery almost always follows the panic — and if you've sold, you're likely to miss it.

We've put together a plain-English guide to what the historical data actually shows, and what expats specifically can do to protect their long-term plans during periods like this one. Worth a read if you've been feeling uneasy lately.

Tag someone who might find this useful, or drop a question in the comments — we're happy to talk it through. 👇

https://www.pwa-intl.com/news/why-panic-selling-is-one-of-the-most-expensive-mistakes-an-expat-investor-can-make

16/03/2026

Here's something that catches a lot of expats off guard: the life insurance policy you took out before moving abroad may no longer cover you — even if you're still paying the premiums.

Many domestic policies have residency clauses. Move overseas for more than six months a year and you could fall outside the terms entirely. And if you didn't inform your insurer when you relocated, a future claim could be rejected on the grounds of non-disclosure.

The good news is there's a straightforward alternative. International life insurance is built for people who live across borders — it moves with you, lets you choose your policy currency, and doesn't require new underwriting each time you relocate.

We work with 60+ specialist institutions to find cover that's genuinely tailored to your situation. If you've been meaning to sort this out, or you're not sure whether your existing cover still applies, we're happy to take a look together.

Know someone who's recently moved abroad and probably hasn't thought about this? Tag them below — it could be worth a read.

10/03/2026

If you are living abroad and you have been watching fuel prices climb this week, the numbers behind that are stark. Ten days ago, a barrel of crude oil cost around $67. By Sunday it had touched nearly $120 — the highest level since Russia's invasion of Ukraine in 2022. Today it has pulled back to around $91, but that is still roughly 35% above where it was before the conflict in Iran began.

For expats, the practical effects are already landing: higher energy and living costs, pressure on currencies in oil-importing countries, and equity markets that have had a very difficult week. The US dollar has strengthened against the euro and yen, which matters if you are moving money between accounts in different countries.

We have written a detailed briefing on exactly what has happened, where things stand today, and what it means for your finances as someone living abroad. If you found it useful, it is worth sharing with a friend or family member who is also living overseas — they may not have seen the full picture yet.

You can read it here: https://www.pwa-intl.com/news/oil-prices-and-the-iran-war-what-expats-need-to-know-right-now

And if you would like to talk through what any of this means for your own situation, we are always happy to have that conversation.

06/03/2026

If you are a British expat with a UK rental property, a pension, or investments back home, the Spring Statement 2026 is worth a careful read — even though it was presented as a routine economic update.

From 2027/28, rental income will be taxed at higher rates whether you live in the UK or not. From April 2027, your unused pension could form part of your taxable estate for Inheritance Tax purposes — potentially at 40%. Dividend tax rates are already rising from this April.

None of this needs to feel overwhelming. At Proctor Wealth Associates, we work with you to understand exactly which changes affect your situation and connect you with the right specialists to plan around them.

We have written a full plain-English guide — no jargon, no fuss. Worth a read if any of the above sounds familiar.

Know a fellow expat who would find this useful? Tag them below or share this post. 👇

Full article: https://www.pwa-intl.com/news/uk-spring-statement-2026-what-british-expats-need-to-know

02/03/2026

If you live in the eurozone and you've been holding a chunk of savings in a euro bank account, here's something worth knowing.

The European Central Bank has cut its deposit rate four times since mid-2024. It now sits at 2.5%, compared to 4% not long ago — and further cuts are being discussed for later this year.

For British expats in France, Germany, Spain, the Netherlands or elsewhere in the eurozone, that means the return on euro cash savings has quietly reduced. Not dramatically, but enough to make it worth asking: is my money in the right place for where I live now?

We work with expats across the eurozone to review exactly this — your savings structure, your currency exposure, and whether the institutions you're using still make sense for your situation.

No pressure, no rush. Just a clear, independent look at where things stand. What questions do you have about managing savings as an expat in Europe?

28/02/2026

Gold is often viewed as protection during economic uncertainty. While it has delivered strong long term returns, its behaviour during crises is not always straightforward.

Historically:

• Gold can be volatile, sometimes moving as sharply as equities
• It has performed well during periods of moderate stress
• In severe liquidity events, it can fall alongside other assets
• Its role is typically as a diversifier, not a core growth engine

The key is balance. Gold may play a role within a diversified portfolio, but concentration risk should be avoided.

Investment decisions should be based on structure and objectives, not headlines.

If you would like to review how alternative assets fit within your portfolio, we are happy to help.

23/02/2026

Cross-border wealth brings opportunity, but it also brings complexity.

For internationally based clients, investment decisions cannot be separated from tax, residency, and estate planning considerations.
Each element needs to work together.

The April 2025 changes to UK inheritance tax - replacing domicile with a residence-based test - have significantly altered the landscape for anyone living abroad with UK ties. Planning strategies that worked even a year ago may no longer apply.

If you have built wealth overseas and are considering a return to the UK, or simply want to understand how the new rules affect your position, it is important to take advice sooner rather than later. The options available before a return are often very different from those available afterwards.

We work with internationally based clients to coordinate investment planning alongside specialist tax advice, so that decisions are made with the full picture in mind.

If you would like to review your cross-border arrangements in light of the recent changes, we are happy to talk.

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

Telefoon

+31 70 808 0152

Website

https://proctorwealthassociates.com/

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