Wealth Management for Internationally Mobile Families
ASJ Group Wealth Management works with individuals and families whose lives and assets span more than one country. We bring investments, retirement provision, education funding and wider planning into a single coordinated strategy, built around your objectives and reviewed as your circumstances change.
Fact find first. Product last.
No adviser can recommend anything sensible before they understand the whole picture. So every wealth relationship begins with a complimentary fact find — free, at our cost, with no obligation and nothing to sign.
The fact find
A 45–60 minute structured session covering assets, liabilities, pensions, income needs, timeframe, attitude to risk and tax residence — in every country that touches you. Free, and no product is discussed.
Written recommendation
We return a documented strategy: what to do, in what order, what it costs in total, what the risks are, and the circumstances in which we would change it — including the option of doing nothing.
Implementation and review
Only once the strategy is agreed do we select managers, platforms and products, implement through regulated counterparties, and review the mandate on a fixed schedule.
The fact find is offered where investable assets, excluding your main home, are around £250,000 or more. Below that, our guides and briefings are free and open to everyone.
Eight disciplines. One written strategy.
Personalised wealth strategies, asset management, retirement planning, pension transfers, global investments, education funding, protection and inheritance tax planning.
Personalised Wealth Strategies
One coordinated plan across every country you hold assets in — objectives first, products last, reviewed as your life changes.
Asset & Portfolio Management
Discretionary and advisory portfolios via independent managers — multi-currency, with total cost of ownership and any intermediary remuneration disclosed.
Retirement Planning
Retirement provision for globally mobile clients whose pensions, employers and tax residency span several countries.
UK Pension Transfers (SIPP / ROPS)
An options review for non-UK residents: leave it in the UK, move to a SIPP, or transfer to a ROPS — with the trade-offs written down.
Global Investment Platforms
Offshore and onshore investment accounts, wrappers and custody arrangements that match your residency and reporting position.
Education Fee Planning
Funding international school and university costs across currencies without disrupting the wider structure.
Insurance & Protection
Life, critical illness, income protection and key-person cover placed for expatriates and cross-border families.
Inheritance Tax Planning
IHT and estate-tax exposure mapped across jurisdictions, then reduced with gifting, trusts, insurance and domicile planning.
Built for people whose money crosses borders.
Domestic advice breaks down the moment a second country is involved — a policy that will not travel, a pension that cannot be contributed to, a wrapper taxed differently where you now live. These are the situations we are built for.
Expatriates and globally mobile professionals
Earning in one currency, saving in another and taxed somewhere else again — with legacy accounts left behind in each country.
Returning nationals and repatriating families
Bringing pensions, portfolios and offshore policies back into a home tax system without triggering avoidable charges.
Business owners and post-exit founders
Converting company value into personal capital, and planning the retirement and estate position that follows.
Retirees abroad
Drawing multi-country pension entitlements in a spending currency, with healthcare and longevity modelled in.
Families funding international education
Meeting school and university fees on a fixed calendar in a currency the family does not earn in.
Trustees and family offices
Independent manager selection, consolidated reporting and oversight for trust and foundation assets.
Objectives first. Products last. Everything written down.
One coordinated strategy
Investments, retirement provision, education funding and protection are planned together, not bought separately in different countries.
Built around objectives
We model your cashflow, timeline, currencies and risk tolerance first. Products are chosen last, and only where they earn their place.
Independent, fully disclosed
Portfolios and policies sit with independent regulated managers, custodians and insurers. Any product remuneration is disclosed before anything is implemented.
Reviewed as life changes
Residency, family, liquidity and tax rules move. Your strategy is re-tested annually and whenever something material changes.
Two minutes now. A director's view within 48 hours.
From a scattered position to one plan you can read.
Assets, pensions, policies, liabilities, residency and family objectives mapped into one picture.
A written memorandum comparing investment, retirement, education, protection and succession routes with costs and trade-offs.
Portfolios, wrappers, transfers and policies placed through independent regulated counterparties.
Performance, contributions, tax position and estate exposure re-tested every year in writing.
Your gateway to empowered investing.
Corporate wealth services designed around your company's financial goals — from employee benefits planning to executive and shareholder protection, coordinated with the corporate structure we already build and govern.
Employee benefits planning
Group pension, medical and protection arrangements for internationally mobile teams.
Key-person & shareholder cover
Insurance and cross-option agreements so a death or illness does not destabilise ownership.
Executive wealth planning
Founder and senior-team planning that lines up with the wider corporate structure.
Corporate cash & reserves
Custody, currency and liquidity options for surplus reserves held in the operating group.
Disclosed. Product-based. No hourly charges.
Wealth management is different from our structuring work: it is funded through the products and portfolios we recommend, not by fixed fees or hourly rates. Every product charge, commission and ongoing trail is disclosed before anything is implemented, and any retrocession is offset in your favour.
Commission and product-based fees
Wealth management is funded by the products and portfolios we recommend, not by fixed fees or hourly charges. The exact structure depends on the product, provider and size of arrangement.
Disclosed before implementation
Every product's charges, any intermediary remuneration and the total cost of ownership are written down before you agree to proceed.
No hidden trail or retrocessions
Any ongoing commission or rebate from a manager, platform or insurer is disclosed and offset in your favour.
Advice you can re-read
Every recommendation is documented with its rationale, its risks and the circumstances that would make us change it.
The jurisdictions behind most wealth files.
Pensions, wrappers, custody and estate exposure all depend on where you live, where the asset sits and where the provider is regulated. These are the jurisdictions that appear most often in cross-border wealth planning.
Questions clients ask first.
- Is the fact find really free?
- Yes. The fact find is a 45–60 minute structured discovery session at our cost, with no obligation. Nothing is charged and no product is recommended until you have a written strategy in front of you and have agreed to proceed.
- What do I need to bring to the fact find?
- Recent pension statements, portfolio and platform valuations, a rough picture of income and outgoings, any existing protection policies, and a note of your tax residence history. If a document is missing we will work around it.
- Do you sell products at the fact find?
- No. The fact find is purely discovery — no product is discussed. Any product recommendation comes later, in writing, only once the strategy is agreed, and any commission or charge is disclosed before you proceed.
- Who qualifies for the free fact find?
- We offer it where investable assets, excluding your main home, are around £250,000 or more, or where a UK pension of similar size is in play. Below that we will point you to our guides and briefings rather than charge you for advice you may not need.
- Do you manage the money yourselves?
- No. We design the strategy, then select and monitor independent regulated managers and custodians to run the mandate on your behalf.
- Should I transfer my UK pension?
- Sometimes. Leaving it in the UK, moving to a SIPP or transferring to a ROPS each carry different tax, charge and flexibility outcomes. We compare all three in writing before a regulated adviser implements anything.
- What is the overseas transfer charge?
- A 25% HMRC charge that can apply when a UK pension is transferred overseas, unless an exclusion applies — most commonly where you are resident in the same country as the receiving scheme. We confirm your position before anything is signed.
- How are you paid for wealth management?
- Through commissions and product charges built into the portfolios, wrappers and policies we recommend. There are no fixed fees or hourly charges. Every product's charges and any intermediary remuneration are disclosed before implementation, and ongoing trail or retrocessions are offset in your favour.
- What is the minimum to work with you?
- There is no fixed minimum fee. The complimentary fact find is offered where investable assets, excluding your main home, are around £250,000 or more. The right product or portfolio is then scoped with its charges disclosed before you commit.
- Am I still exposed to UK inheritance tax if I live abroad?
- Very possibly. UK IHT follows long-term residence and domicile status rather than simply where you live now, and UK-situs assets such as property remain in charge regardless of the owner's location.
- Can you work with my existing accountant or lawyer?
- Yes. We coordinate with your existing advisers routinely and will not displace a relationship that is already working.
- Can this sit alongside my trust or company structure?
- Yes, and it should. Wealth planning is coordinated with our structuring, banking and mobility work so the investments, estate plan and entities agree with each other.