An international career can leave your retirement spread across different countries, currencies and financial systems.
You may have a pension in one country, investments in another and plans to retire somewhere else entirely. Each part may make sense individually, but understanding how everything works together can be much more difficult.
Our Retirement Reality Check found that 84% of respondents hold pensions or investments in more than one country. Yet among those with cross-border assets, only 35% clearly understand how their country of residence affects them.
We call this the Cross-Border Clarity Gap.
The Cross-Border Retirement Clarity Review is designed to help you begin closing it.
The review is an initial conversation about your current position, the retirement you are working towards and the areas that may require closer attention.
Discuss the pensions, investments and other retirement assets you currently hold, including where they are based and how they fit together.
Identify the questions created by your country of residence, possible retirement destinations, different currencies and financial arrangements across jurisdictions.
Clarify the two or three areas that may deserve attention first, whether that means defining your retirement-income target, reviewing an existing plan or exploring where further specialist advice may be needed.
You don’t have to know exactly where you’ll retire to start planning. Your destination may change, but identifying two or three likely options gives you a valuable starting point. Whether you’re considering staying close to family, moving somewhere warmer or splitting your time between countries, each choice can have different financial implications. Planning ahead helps you understand your potential income needs, tax considerations and how your assets can support your ambitions, giving you greater flexibility and confidence as your retirement plans take shape.
Carla Smart
Group Head of Pensions & Private Wealth Partner
Carla Smart is a Chartered Financial Planner with over 15 years’ experience helping internationally mobile clients secure their financial futures. Her career spans three continents and multiple international markets, giving her a practical understanding of how complex financial systems intersect across borders.
Complete the short form and tell us where you live and what you would most like clarity on. You don’t need to gather every document before getting started.
Have a focused 30-minute conversation with an appropriately matched Skybound adviser about your current position, retirement plans and cross-border questions.
Understand the two or three areas that may need attention next. If further planning could help, your adviser will explain what that might involve - with no obligation to proceed.
Get clear, personalised guidance tailored to your international circumstances, helping you make confident decisions about your wealth, retirement and pensions.
Skybound Wealth has supported internationally based clients for more than 20 years, helping them navigate financial decisions across countries, currencies and changing life plans.
Thorsten
Nicholas
Andrew Kinghorn
Quarterly reviews, ongoing rebalancing, regular portfolio factsheets — we’re with you for the long haul, adjusting your plan as life evolves.
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