Financial Advice for British Expats in Oman: Pension Planning, Investment Strategy & IHT Mitigation
How to Protect and Grow Your Wealth While Living in Oman
For British expats living in Oman, the combination of tax-free income, a relaxed lifestyle, and strong earning potential creates an excellent opportunity to secure long-term financial stability. But that opportunity is only realised with the right planning in place.
At our firm, we provide UK-standard financial advice to British nationals based in Muscat, Salalah, Sohar, and across Oman. Whether you’re navigating pension transfers, concerned about inheritance tax, or unsure about your investments, we’re here to help.
Is It Time to Review Your UK Pension?
One of the most important financial decisions an expat faces is what to do with their UK pension. The options—SIPPs or QROPS—can be confusing, and the wrong choice may have lasting consequences.
We help expats in Oman:
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Assess the pros and cons of a QROPS vs. SIPP, based on current and future residency
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Avoid the 25% overseas transfer charge by structuring pension transfers correctly
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Consolidate old pension pots into a single, efficient strategy
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Align pension plans with longer-term income and tax goals
Your pension is a major asset—make sure it’s working for you, not against you.
UK Inheritance Tax Still Applies (Even in Oman)
Living in Oman doesn’t remove your liability to UK inheritance tax (IHT). Most British expats retain their UK domicile, which means their entire global estate remains exposed to 40% tax on death.
We regularly help expats with:
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Offshore bond structures that allow for IHT-efficient growth
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Trusts and family planning strategies to control wealth transfers
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Guidance on UK domicile and how to mitigate exposure
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Coordination with estate lawyers to ensure wills and structures are aligned
Many expats only discover their IHT risk too late. Early planning is key.
Is Your Investment Portfolio Fit for Purpose?
We’ve seen too many expats in Oman locked into long-term investment products with high charges, limited flexibility, and little to no ongoing advice. These legacy products often fail to perform or adapt to an expat’s changing circumstances.
We take a different approach:
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Fee-based, transparent financial planning—no hidden commissions
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Access to globally diversified, low-cost portfolios
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Ongoing reviews to adjust to market conditions and life events
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Portability—your investment strategy should follow you globally
If you’re unsure about what you’re invested in or what it’s costing you, it may be time for a second opinion.
Oman Is a Lifestyle Destination—But Also a Financial Opportunity
You may have moved to Oman for a better quality of life—but don’t forget the financial head start that tax-free income provides. With the right structure in place, you can turn your time abroad into a long-term financial advantage.
We help British expats take control of their finances—combining UK-qualified expertise with a practical understanding of expat life in Oman.
Book a 30-Minute Discovery Call
We work with British expats worldwide to help protect their pensions, grow their investments, and reduce unnecessary tax. If you’d like a second opinion or a full financial review, we’d be happy to speak.
👉 Click here to book a discovery call or reach out using our contact form.
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Also read: Financial Advice for British Expats in Saudi Arabia
