Expat Financial Advice


  Quality Of Life Is Biggest Reason To Leave UK, But Family Ties Make Us Stay

Simon Hilton
Articles - Financial

by Simon Hilton, senior foreign exchange consultant at World First and official Expat Focus foreign exchange partner

Spring has sprung and we’ve had a taste of sunshine. But merely a ‘taste’ may not be enough – you may be tempted by something a little more, well, permanent.

Ask yourself this - what would make you want to pack your bags and go more than anything else? If you said a better a quality of life, you’re not alone.   more ...

  EU/Greek Deal Done, But More Heartache Ahead For Euro

Simon Hilton
Articles - Financial

by Simon Hilton, senior foreign exchange consultant at World First and official Expat Focus foreign exchange partner

The big news in Europe in the last month is the deal done between the EU and Greece which has given the latter a four-month extension of its financial rescue package.

This will allow Greece time to negotiate and formulate a plan to deal with its ongoing debt burden in a manner that it feels is fairer than the current deal. But with time comes the opportunity to allow things to fester and rot, and reports from Greece that the Syriza party is fracturing over the terms of the four month extension are not to be overlooked.

Anyway, with all of this going on in the background, the euro’s woes have continued in the last month.   more ...

  UK SMEs Eye Euro Weakness, While USD Stays Strong

Simon Hilton
Articles - Financial

by Simon Hilton, senior foreign exchange consultant at World First and official Expat Focus foreign exchange partner

One month into 2015, and we’ve already seen enough volatility in the currency markets to last a year. However, though the first month of the New Year has been a turbulent one, it may have worked in your favour - especially if your business is involved in importing goods from Europe – as the pound has hit fresh highs against the euro.

The European Central Bank’s long awaited decision to announce a plan worth around EUR1.1trn to purchase assets in a bid to create inflation and stimulate demand in the Eurozone is long overdue, and it was the expectation of the announcement that caused a broad sell-off in the European single currency. At the time of writing, the euro is down 6% through 2015 already.   more ...

  New Year Cheer For The Pound Versus The Euro

Simon Hilton
Articles - Financial

by Simon Hilton, senior foreign exchange consultant at World First and official Expat Focus foreign exchange partner

In the first month of 2015, we’ve seen the rise and rise of the pound against the euro, with GBPEUR hitting its highest level since March 2008. At the start of February, the rate was at 1.334; at the start of January it was down at 1.2824. In just a month, the euro has lost over 4% against the pound.

But why? Well, part of the reason is that while the European economy continues to grapple with extreme levels of unemployment and fears over deflation, the UK economy had become one of the fastest growing in the G10. Euro uncertainty around the Greek election, and fears of a possible Greek exit from the single currency hardly helped matters either.   more ...

  Positivity In European Property Market, But Still Some Way To Go

Simon Hilton
Articles - Financial

by Simon Hilton, senior foreign exchange consultant at World First and official Expat Focus foreign exchange partner

Let’s start with a stat. Two thirds of Europeans say house prices are too expensive. That’s according to a survey of over 12,000 European consumers by ING Bank.

It’s very possible that you’re reading this in the UK, and wondering whether that 66% have ever taken a look a property prices in the UK, and if they know how lucky they are!   more ...


Expat Financial Services

Trusted financial partner network

Simon Hilton - Currency Transfers Tom Zachystal - US Investment Advice Oliver Heslop - UK Expat Tax Advice Marian Wellman - US Expat Tax Advice Sharon Hill - French Mortgages

Simon Hilton

Foreign Exchange

Simon is a senior foreign exchange currency broker specializing in serving the needs of the expatriate community. Solutions offered include a best exchange rate guarantee for currency transfers, same day payments, a free rate watch service and forward contracts aimed at managing clients' exposure to exchange rate fluctuations.

Tom Zachystal

Pensions and Investment

Tom is a Registered Investment Advisor, Chartered Financial Analyst, and Certified Financial Planner™ professional specializing in portfolio management and financial planning services for expatriates. He has over ten years expatriate portfolio management and financial planning experience and has clients on four continents in over a dozen countries.

Oliver Heslop

UK Taxation

Oliver is a highly experienced UK tax advisor specializing in helping UK expat high-earners (e.g. senior executives, project managers etc. working abroad but required to pay UK tax), foreign nationals paying tax in the UK and non-domiciles wishing to invest or bring money into the UK.

Marian Wellman

US Taxation

Marian has been an Enrolled Agent (Certified to Practice Before the IRS) since 1985 and is a member of the Tax Advisory Board and a Country Representative for American Citizens Abroad. She specializes in income tax services for US expatriates living in other countries and foreigners living in the US.

Sharon Hill

French Mortgages

Sharon has vast experience in the French property market and is committed to finding the most suitable mortgage for clients' circumstances from a panel of over 20 leading French mortgage lenders made up of reputable French banks with an established presence throughout France.

Preferred Health Insurance Partners


At Bupa we have been helping individuals and families live longer, healthier, happier lives for over 60 years. We are trusted by expats in 190 different countries and have links with healthcare organisations throughout the world. So whether you're moving abroad for a change of career or a change of scene, with our international private health insurance you will always be in safe hands.


Cigna has worked in international health insurance for more than 30 years. Today, Cigna has over 71 million customer relationships around the world. Looking after them is an international workforce of 31,000 people, plus a network of over 1 million hospitals, physicians, clinics and health and wellness specialists worldwide, meaning you have easy access to treatment.

Get free quotes for a range of services from our trusted partners


• Leading international insurers
• Unrivalled global medical networks
• World-class 24/7 customer service
• Flexible products to meet your needs

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• Best exchange rate guarantee
• No commission
• Same day payments available
• Dedicated, professional consultants
• All bank receiving charges covered

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• Advice for UK expat high-earners
• Also for foreign nationals paying UK tax
• Advice for expats and companies
• Over 14 years specialist experience

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• Lower rates than most US CPAs
• Over 25 years specialist experience
• Full-time expat tax professional
• For US citizens and foreign nationals

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• IRA/401k management
• Over 10 years specialist experience
• Investments customized for each client
• Specialist in US expat finances

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• Over 10 years specialist experience
• SIPPs, IRAs, 401ks and more
• Portfolio and investment management
• Offshore investment accounts

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• Wide selection of French mortgages
• Over 20 French mortgage lenders
• French banks with established presence
• Vast experience of property market

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• Apply for an international account
• Options to suit your needs
• Multi-currency accounts, savings accounts etc.
• Send and receive funds worldwide

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