Financial Advisor UAE | Independent UK Expat Advice | IFA Private Office

Independent financial advice for British expats across the UAE. UK pensions, QROPS, investment planning, inheritance tax and return to UK planning.

Financial Advisor UAE

Why British expats in the UAE need UK-qualified independent advice

The UAE is home to a large and growing community of British nationals. Many are accumulating significant wealth during their time in the Emirates. Most are receiving financial advice that is not independent.

The financial advisory market in the UAE is structured around offshore product sales. The advisers who approach you at networking events, through employer benefit schemes, and via cold outreach are in most cases paid by commission from the products they recommend. Their income depends on placing you into a structure. Your outcomes are secondary to that structure.

IFA Private Office exists to provide a different kind of advice. UK-qualified. Fee-based. Independent. Focused entirely on your situation.

The financial planning questions every British expat in the UAE needs to answer

What happens to my UK pension while I am abroad? Your pension continues to exist and to build up. You need to understand whether it remains appropriate in its current form, whether a transfer would serve your interests, and how the April 2027 inheritance tax changes affect pension wealth in your estate.

Am I still exposed to UK inheritance tax? UK domicile does not disappear when you move to the UAE. If you were born in the UK, have spent most of your life there, and intend to return, you are almost certainly still UK domiciled and therefore exposed to UK inheritance tax on your worldwide assets.

How should I invest while I am in the UAE? The absence of UAE income tax creates significant opportunities. Understanding how to structure investments efficiently during your time in the Emirates, and how to restructure them before you return to the UK, is one of the most valuable things independent advice can deliver.

When should I start planning my return to the UK? Earlier than most people think. The decisions made in the eighteen months before returning to the UK have consequences that can last for decades. Pension timing, asset restructuring, domicile planning and property decisions all interact in ways that require coordinated advice.

How IFA Private Office works

We work with British expats across Dubai, Abu Dhabi, Sharjah, and the wider UAE. All consultations are conducted by video or telephone. Where regulated advice or execution is required we coordinate with appropriately authorised UK specialists.

The first conversation is free and carries no obligation.

---

Ready to talk through your situation? Book a free consultation with IFA Private Office.