Expats who started planning at the right stage are a different financial species from those who started one stage too late. This diagnostic is the same five-stage framework our advisers use to triangulate where new clients actually sit, regardless of how long they have been abroad.
It is not unusual for someone five years into their expat life to discover the foundation work, residency, wills, pension structure, treaty positioning, was never properly closed. That is not "behind". That is exposed.
This diagnostic was built by advisers who have moved hundreds of UK, Australian, US, Portuguese, Spanish and South African expats through every stage of the journey. It covers what should be done at each phase: 2+ years before moving, the 6 to 24 month departure window, the first year abroad, the established years, and full integration. Each stage lists the actions, the order they belong in, and the consequence of skipping one.
If you finish the diagnostic and find yourself a stage ahead of your foundation work, a short conversation with one of our advisers can help you close the gap without restarting the journey.
