SJP Expatriate services

Living abroad offers exciting career and business growth opportunities but comes with emotional and financial complexities. Managing these transitions requires expert financial planning to avoid unexpected tax liabilities and ensure financial stability.

Expatriate financial advice

Expat wealth management

Expat wealth management involves navigating currency fluctuations, tax compliance, and cross-border asset management. Working with an expat financial adviser ensures strategies align with both Singapore's financial environment and international regulations, maximising tax efficiency and retirement planning. Additionally, guidance in estate planning and international investments can secure your long-term goals and financial stability in a foreign country.

Therefore, it’s wise to begin planning 12 to 18 months before relocating for a smooth transition. A dedicated expat financial adviser can help manage your assets and investments, optimise tax efficiency, validate protection arrangements and address critical financial needs. Our tailored expatriate services assist in adapting to new environments while maintaining global financial security, including in Singapore and beyond. Let our professionals handle your financial planning for a stress-free international move.

Financial planning for expats

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Investment management

Our expat financial advisers provide personalised investment strategies to grow and protect your wealth, taking into account international market opportunities and risks.

Learn about investing
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Retirement planning

We help you plan for a secure retirement, offering advice on cross-border pension schemes and strategies to ensure financial stability in your later years.

Plan your retirement
tax planning
Tax planning

Our experts offer guidance on navigating the complex tax regulations of both your home country and the UAE, optimising your tax liabilities for maximum benefit.

Planning your taxes
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Estate planning

We assist with structuring your estate to ensure your assets are managed and distributed according to your wishes, complying with international inheritance laws.

Passing wealth on

How we tailor financial planning for expatriates

At St. James’s Place, we understand that your financial needs evolve throughout your career and life journey. Whether you're transitioning jobs, starting a family, or planning for retirement, our advisers will work closely with you to develop a personalised strategy that aligns with your goals and aspirations.

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Investment planning

Whether you're building your portfolio for income, growth, or both, we can assist you to define your goals and risk tolerance. We aid you in crafting a diversified portfolio managed by some of the world's leading investment managers, ensuring a distinctive approach that sets us apart.

Learn about investing
retirement
Retirement planning

Your retirement could be near or far, but it's never too early or late to start long-term planning. Our financial advisers are here to help you calculate your pension targets and adjust plans to make sure you have a comfortable retirement.

Plan your retirement
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Tax planning

Our experts provide tailored guidance to help you navigate the complex tax regulations in both your home country and Singapore, ensuring your tax liabilities are optimised for maximum benefit.

Planning your taxes
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Estate planning

We help structure your estate to ensure your assets are managed and distributed according to your wishes, while adhering to international inheritance laws.

Passing wealth on
advice for business
Corporate financial planning

For expats running their own businesses, our corporate services include group medical and insurance coverage, personal retirement planning, and investment advice tailored to you and your employees’ needs.

Business financial planning

Understanding your financial needs as an expat

As an expat in the UAE, understanding your financial needs is essential for effective wealth management. Expat financial advisers at St. James’s Place specialise in providing expatriate financial advice tailored to the unique challenges and opportunities in Dubai. Navigating currency exchange rates, local and home country tax compliance, and cross-border retirement planning are crucial aspects we address. 

In Dubai, expat investment advice also includes international investment strategies, estate planning, and ensuring access to essential banking and financial services. Our comprehensive financial planning for expats ensures that you are well-prepared for your financial future, whether you're planning for repatriation or establishing long-term residency in the UAE.

Understanding your financial needs as an expat

Are you aware

Are you aware of how living internationally can affect existing protection arrangements? 

Ensuring their validity in your new location is essential. For expats, working with a financial adviser can help you navigate complex areas such as tax compliance in multiple jurisdictions, managing currency exchange risks, and retirement planning across borders. 

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Expatriates

Did you know that expatriates often need extra coverage for liabilities like multiple mortgages, international school fees, and potential family repatriation costs? 

These concerns can be addressed by engaging a financial adviser who provides bespoke financial planning services to include these critical aspects, including estate planning, mortgage planning, and repatriation strategies, ensuring peace of mind and financial security.

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Understanding your financial needs as an expat

Understanding your financial needs as an expat is crucial for effective management of wealth abroad because every country and jurisdiction has unique opportunities.

  • Navigating currency and exchange rates
  • Compliance with local and home country tax laws

    Understanding and complying with tax laws in both your home country and Singapore is crucial. Working with a network of tax specialists, our expat financial planners can provide expert tax guidance to ensure you meet all your obligations and optimise your tax position. We'll help you navigate the complexities of international tax regulations and ensure you remain compliant.

  • Retirement and pension planning across borders

    Planning for your retirement when you're living abroad requires careful consideration. Our expat financial advisers provide comprehensive retirement planning and pension advice, taking into account your international circumstances. We'll help you understand your options for transferring pensions, contributing to retirement schemes in Singapore, and planning for a comfortable retirement wherever you choose to settle.

  • Estate planning and inheritance laws

    Protecting your assets and ensuring your wishes are carried out is essential, especially when living abroad. A good financial adviser should provide advice on estate planning and inheritance laws, helping you navigate the legal complexities and ensure your assets are distributed according to your wishes. At St. James’s Place, we'll help you create a robust estate plan that considers the laws of both your home country and Singapore.

  • Planning for repatriation

    Whether you plan to return to your home country or settle elsewhere, planning for repatriation is crucial. Our expat financial planners can help you prepare for the financial implications of repatriation, including tax considerations, asset management, and lifestyle adjustments.

  • Expat tax planning

    We provide guidance to help expats navigate tax obligations in Singapore and their home countries. Our team supports you in understanding tax regulations, ensuring compliance, and exploring strategies to optimise your tax position within legal frameworks.

  • Expat estate planning

    Our advisers provide comprehensive guidance on estate planning with our network of legal professionals to help you protect and transfer your assets according to your wishes. We'll help you create a plan that considers your international circumstances and provides peace of mind.

Understanding and complying with tax laws in both your home country and Singapore is crucial. Working with a network of tax specialists, our expat financial planners can provide expert tax guidance to ensure you meet all your obligations and optimise your tax position. We'll help you navigate the complexities of international tax regulations and ensure you remain compliant.

Planning for your retirement when you're living abroad requires careful consideration. Our expat financial advisers provide comprehensive retirement planning and pension advice, taking into account your international circumstances. We'll help you understand your options for transferring pensions, contributing to retirement schemes in Singapore, and planning for a comfortable retirement wherever you choose to settle.

Protecting your assets and ensuring your wishes are carried out is essential, especially when living abroad. A good financial adviser should provide advice on estate planning and inheritance laws, helping you navigate the legal complexities and ensure your assets are distributed according to your wishes. At St. James’s Place, we'll help you create a robust estate plan that considers the laws of both your home country and Singapore.

Whether you plan to return to your home country or settle elsewhere, planning for repatriation is crucial. Our expat financial planners can help you prepare for the financial implications of repatriation, including tax considerations, asset management, and lifestyle adjustments.

We provide guidance to help expats navigate tax obligations in Singapore and their home countries. Our team supports you in understanding tax regulations, ensuring compliance, and exploring strategies to optimise your tax position within legal frameworks.

Our advisers provide comprehensive guidance on estate planning with our network of legal professionals to help you protect and transfer your assets according to your wishes. We'll help you create a plan that considers your international circumstances and provides peace of mind.

Please note that past performance is not indicative of future performance, and that 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 depends on individual circumstances. You are advised to seek independent tax advice from suitably qualified professionals before making any decision as to the tax implications of any investment.

Expatriating to Singapore?

Whether you're seeking a financial plan tailored to your expat life or simply want to optimise your finances, this guide is your one-stop resource. We cover important tips about financial planning, from maximising your pension to taking advantage of Singapore's attractive tax environment and more. You'll also find some practical advice in the guide that is related to navigating mortgages, insurance, and foreign exchange — all geared towards your unique expat situation. 

Take control of your financial future no matter where you go by downloading our wealth-maximising guide today.

Our expert teams are established in key financial centres globally, including Hong Kong, Singapore, the United Arab Emirates, and the United Kingdom. This international presence ensures you have access to local market knowledge and personalised advice tailored to your specific location, ensuring you're equipped to manage dual-country finances, school fees, healthcare plans, and tax statuses.

Expatriating to Hong Kong?

Frequently asked questions about financial planning for expats

How do you tailor financial advice or plans for expatriate clients?
What kind of investments are suitable for expatriates?
Can St. James's Place manage wealth for my entire family?
What are the tax considerations for expats investing abroad?
What retirement options are suitable for expatriates?

Please note that the St. James’s Place approach to investment management only applies to St. James’s Place products. 

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 depends on individual circumstances. You are advised to seek independent tax advice from suitably qualified professionals before making any decision as to the tax implications of any investment.