Brexit significantly altered the financial planning landscape for expatriates in Europe, particularly for UK nationals. Many expatriates now face challenges in managing investments, pensions and long-term wealth due to changes in cross-border financial regulations.
Specialised financial planning for expatriates across Europe
By Craig Welsh
This article is published on: 5th February 2026
As part of the UK’s exit from the European Union, financial services were excluded from the Withdrawal Agreement. This removed passporting rights that previously allowed UK-based financial advisers to operate across the EU. As a result, many UK advisers and institutions are no longer authorised to provide financial advice to clients living in the EU, leaving many without access to suitable planning and guidance.
For expatriates, this can create serious risks. Existing investment structures may no longer be tax-efficient, pension arrangements may not comply with local regulations, and important considerations such as inheritance planning, currency exposure and local tax reporting can be overlooked without properly authorised advice.
The Spectrum IFA Group specialises in financial planning and wealth management for expatriates throughout Europe. Licensed across the entire European Economic Area (EEA), Spectrum has offices in six EU countries, and Switzerland; however, we are also able to offer advice to expatriates living further afield, including for example in Germany, Poland, Greece and across Eastern Europe.
Our clients benefit from access to secure, well-regulated, and tax-efficient investment solutions designed specifically for expatriates. We also help with cashflow forecasting, modelling a range of retirement scenarios, such as when you can retire and whether your current assets will be sufficient to provide financial security for the long term. By working with experienced and qualified advisers who understand both UK and EU financial and regulatory frameworks, our clients can reliably protect their wealth, reduce tax exposure, and plan confidently for the future.
With expertise in cross-border financial planning, The Spectrum IFA Group helps expatriates across the EU make their finances truly Brexit-proof, providing clarity, stability, and long-term financial security.