Forth Capital

12/03/2026

Moving abroad can sometimes create unexpected pension challenges.

After relocating to France, Carl and his partner needed help resolving issues with their UK pensions so they could manage their retirement income in their new country.

Tom Williams worked with them to review their situation and help resolve the issue.

★★★★★ Trustpilot Review

“Tom made our problems go away. His attention to detail was outstanding and he was always quick to respond.”

09/03/2026

Your 401(k) does not move with you when you leave the United States.

But the complexity often does.

The account usually remains inside the US retirement system while your financial life operates somewhere else. That can create friction between US retirement rules, local tax treatment, currency exposure, and provider policies for overseas residents.

Most problems appear later, when access or restructuring is needed.

If you live outside the US and still hold a 401(k), it is worth understanding how the structure works internationally.

Read the full article:

https://www.forthcapital.com/articles/what-happens-to-your-401k-when-you-move-abroad?geo=1

27/02/2026

Moving abroad is not just about where you are going.

It is about what happens before you leave.

We often see families focus on property, schools and logistics first, and review pensions, investments and tax structure after residency has already changed.

By then, some options may be more limited than they were a few months earlier.

The transition window, just before and just after departure, is usually where the avoidable friction sits.

Moving abroad can be a sensible decision.

Structuring it properly before you change residency is what makes the difference.

If you are planning a move, it is worth sense-checking the order first.

Read more here:

https://www.forthcapital.com/articles/why-wealthy-uk-families-are-moving-abroad-tax-planning?geo=1

19/02/2026

Left the United States but still hold a 401(k)?

Licensing restrictions mean many US-domiciled advisers cannot continue advising once clients move abroad. At the same time, many international advisers are not authorised to advise on US retirement accounts.

That creates a structural planning gap.

A 401(k) remains inside the US retirement system while your tax residency and reporting obligations sit elsewhere. Tax treatment, access rules and timing can diverge over time.

If you live internationally and still hold a meaningful 401(k), download the Expat 401(k) Guide.

https://www.forthcapital.com/pensions/401k-living-abroad/?geo=1

19/01/2026

Many retirement plans still rely on the 4% rule as a simple benchmark for sustainable income.

In practice, retirement rarely follows neat assumptions. Longevity, inflation, market volatility, and changing lifestyles all influence how long capital truly needs to last.

A rule of thumb can be a starting point, but it should not be the strategy.

A timely reminder as we begin a new year and take stock of long-term plans.

https://www.forthcapital.com/articles/what-is-the-4-rule-is-it-fit-for-purpose-and-what-else-do-i-need-to-consider-to-ensure-that-im-retirement-ready?geo=1

23/10/2025

Are British families looking abroad for their children’s education? 🎓

An increasing number of families are exploring international and bilingual schools across Europe, following the introduction of 20% VAT on UK private school fees at the start of 2025.

Our latest article looks at how this shift highlights the close connection between financial planning and life decisions. For many families, choosing a school abroad is not just about cost. It is also about opportunity, experience, and long-term goals.

👉 Read the full article here: https://www.forthcapital.com/articles/british-families-look-to-european-private-schools-as-vat-drives-up-uk-education-costs?geo=1

22/10/2025

Are you confident you’re tax resident in the right country? 🌍

For many British expats, tax residency isn’t just about counting days. Family ties, property ownership, and even where your main interests lie can all make a difference, and getting it wrong could mean paying tax twice.

In this article, our Head of Tax, Mark Routen, explains how the UK’s Statutory Residence Test works, how it links with overseas rules, and what expats can do to stay compliant and avoid costly surprises.

👉 Read more here: https://www.forthcapital.com/articles/understanding-tax-residency-what-british-expats-need-to-know?geo=1

22/10/2025

𝗜𝘁𝗮𝗹𝘆’𝘀 𝗙𝗹𝗮𝘁 𝗧𝗮𝘅 𝗜𝗻𝗰𝗿𝗲𝗮𝘀𝗲: 𝗪𝗵𝗮𝘁 𝗶𝘁 𝗠𝗲𝗮𝗻𝘀 𝗳𝗼𝗿 𝗛𝗶𝗴𝗵-𝗡𝗲𝘁-𝗪𝗼𝗿𝘁𝗵 𝗘𝘅𝗽𝗮𝘁𝘀

Italy plans to raise its annual flat tax for new foreign residents from €200,000 to €300,000 - a 50% increase proposed in the draft 2026 budget. The measure, still awaiting parliamentary approval, would apply to new arrivals from 2026.

Even with the rise, Italy remains competitive within Europe, but the move highlights how governments are recalibrating to balance fiscal pressure with global mobility.

For internationally mobile professionals and retirees, this is a timely reminder to review relocation and tax strategies across jurisdictions such as Italy, Greece, Portugal, and Switzerland.

We’re monitoring developments closely as Europe’s expat tax landscape continues to evolve.

If you’d like clarity on how evolving expat tax regimes might affect your financial strategy, get in touch with our team → https://www.forthcapital.com/contact-us?geo=1

21/10/2025

Many expats overlook the 𝘁𝗮𝘅 and 𝗿𝗲𝘀𝗶𝗱𝗲𝗻𝗰𝘆 𝘁𝗿𝗮𝗽𝘀 that come with relocation.

Our 𝗘𝘀𝘀𝗲𝗻𝘁𝗶𝗮𝗹 𝗖𝗿𝗼𝘀𝘀-𝗕𝗼𝗿𝗱𝗲𝗿 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗚𝘂𝗶𝗱𝗲 sets out the 𝟳 𝗰𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝘀𝘁𝗲𝗽𝘀 to protect your wealth before leaving the UK.

With offices across four continents and dual-qualified advisors, we are trusted by British expats in more than 50 countries worldwide.

Download your free guide and relocate with confidence.

As you prepare to start a new life abroad, there has perhaps never been a better time to create a holistic (cross-border) financial plan that brings together your savings, investments, assets, pensions and estate planning - to provide you with a clear, coordinated strategy for your future.

15/10/2025

Thinking about life in Spain?

If you’re a UK expat, managing your finances across two tax systems can be tricky. Getting it right can make all the difference to your long-term wealth and peace of mind.

Recently, Niamh Aitken DipPFS shared five key questions every expat should ask to make sure their financial plan really works.
Read it here: https://www.forthcapital.com/articles/financial-planning-for-british-expats-in-spain-5-essential-questions-to-secure-your-wealth?geo=1

We’ve now gone a step further with our new Expat Finance Guide to Spain, covering:

• Tax and residency rules
• Pension treatment under the UK–Spain treaty
• Estate planning across borders
• Cost of living and financial structuring

Download your copy here: https://www.forthcapital.com/uk/financial-planing/expat-finance-guide-to-spain?geo=1

09/10/2025

𝗧𝗵𝗲 𝗔𝘂𝘁𝘂𝗺𝗻 𝗕𝘂𝗱𝗴𝗲𝘁 𝗶𝘀 𝗳𝗮𝘀𝘁 𝗮𝗽𝗽𝗿𝗼𝗮𝗰𝗵𝗶𝗻𝗴, 𝗮𝗻𝗱 𝗽𝗼𝘀𝘀𝗶𝗯𝗹𝗲 𝗰𝗵𝗮𝗻𝗴𝗲𝘀 𝘁𝗼 𝗘𝗻𝘁𝗿𝗲𝗽𝗿𝗲𝗻𝗲𝘂𝗿𝘀’ 𝗥𝗲𝗹𝗶𝗲𝗳 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗮𝗰𝘁 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗲𝘅𝗶𝘁 𝗽𝗹𝗮𝗻.

There’s growing discussion that Business Asset Disposal Relief (formerly Entrepreneurs’ Relief) might be revised or withdrawn, which could mean higher Capital Gains Tax for business owners planning to sell or transfer their company.

If you’re considering an exit in the next year or two, it’s worth understanding how these potential changes could affect your strategy and timing.

Read our full insight on what the Autumn Budget could mean for entrepreneurs and shareholders:
👉 https://www.forthcapital.com/articles/if-entrepreneurs-relief-is-scrapped-in-the-autumn-2025-budget-what-will-this-mean-for-uk-business-owners?geo=1