Financial Advice for British Expats in Saudi Arabia: Pensions, Investments & Inheritance Tax Planning
UK Wealth Planning for British Expats Living and Working in Saudi Arabia
For British expats living in Saudi Arabia, the financial potential is substantial—zero income tax, strong salaries, and lower living costs create the ideal environment for building long-term wealth. But without structured planning, it’s easy to miss out on key opportunities or make costly mistakes.
We provide UK-qualified financial advice to British nationals working in Riyadh, Jeddah, Al Khobar, and across the Kingdom. Whether you’re concerned about pensions, investments, or inheritance tax, we’re here to help you put a solid strategy in place.
What Should You Do With Your UK Pension?
Many expats assume that moving abroad insulates their UK pension from UK taxes. Unfortunately, this isn’t always the case. Even while living in Saudi Arabia, your pension could still face UK income tax in the future—especially if you return to the UK.
We help British expats review and optimise their pensions, including:
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Assessing whether a QROPS (Qualifying Recognised Overseas Pension Scheme) or a SIPP (Self-Invested Personal Pension) is more suitable
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Navigating the risks of the 25% overseas transfer charge
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Consolidating multiple pensions into one efficient structure
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Aligning pension decisions with your long-term residency plans
Every situation is different, and it’s critical to receive advice that puts your financial interests—not commissions—first.
Inheritance Tax Still Applies—Even If You Live in Saudi Arabia
Most British expats in Saudi Arabia retain their UK domicile, which means their global estate remains liable to UK inheritance tax (IHT) at 40%. This includes offshore investments and pensions.
This surprises many expats who’ve been out of the UK for years but haven’t taken steps to reduce their exposure.
We assist clients with:
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Setting up offshore bonds within tax-efficient trust structures
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Exploring the use of family investment companies
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Making gifts and structuring wealth transfers to reduce taxable estates
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Reviewing UK wills and IHT strategy holistically
Early action can make a substantial difference to the legacy you leave behind.
Is Your Investment Strategy Working for You?
Many British expats in Saudi Arabia have been placed into expensive, commission-based offshore investment plans with high charges, poor transparency, and no ongoing service. If you’ve been sold a product but haven’t heard from your adviser in months (or years), it’s time to reassess.
We offer:
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Fee-based financial advice aligned with UK regulatory standards
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Investment solutions that are globally portable and tax-efficient
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Institutional-grade portfolio access with no lock-in clauses
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Regular reviews and clear reporting
If you’re unsure about what you’re paying—or what you’re actually invested in—we offer clear, jargon-free portfolio reviews.
Use Your Time Abroad to Strengthen Your Financial Future
Saudi Arabia offers a unique opportunity to fast-track your financial goals. But time abroad should be about more than just saving—it’s about strategic planning that considers your pensions, tax exposure, and long-term investment performance.
We help British expats make smart financial decisions that are built to last—whether you’re staying abroad long-term or planning a return to the UK.
Book a 30-Minute Discovery Call
Whether you’re thinking about a pension transfer, reviewing your investments, or planning your estate, we’re here to help.
👉 Click here to schedule a discovery call or use the contact form to connect with one of our UK-qualified financial advisers.
