Migration Advisory

Global Mobility Planning

Relocating internationally? Credible Life helps you align your international move with tax, pension, investment, and wealth planning — ensuring your relocation is financially optimised at every stage.

Your International Move, Financially Optimised

International relocation affects every aspect of your financial life — your tax residency, pension access, investment tax treatment, banking arrangements, and estate planning all change when you move country.

Credible Life provides comprehensive global mobility planning for individuals and families relocating internationally. We take a whole-financial-plan approach — advising on all implications of your move and putting the right structures in place before, during, and after relocation.

Whether you are moving for work, retirement, lifestyle, or tax efficiency, we ensure your international move is financially optimal from day one in your new country.

What We Cover

✓ Pre-move tax and financial planning
✓ Pension review and restructuring for relocation
✓ Investment strategy adjustment on relocation
✓ Banking transitions and offshore account setup
✓ Currency strategy for the move
✓ Post-move financial monitoring and advice
✓ Multi-jurisdictional compliance management

Planning Your Move in Three Key Phases

Before You Leave

The period before departure is the most critical for tax planning. We help you crystallise capital gains while still resident, restructure investments for your new country’s tax rules, review pension arrangements, and prepare your financial affairs fully for the move.

During the Move

We coordinate the practical financial aspects of your relocation — banking transitions, currency transfers, insurance reviews, and ensuring your financial affairs remain fully managed and compliant throughout the transition period itself.

After You Arrive

Once settled in your new country, we review your full financial plan in the new tax environment, adjust your investment strategy, ensure ongoing multi-jurisdictional compliance, and provide the ongoing advice you need from your new base.

Frequently Asked Questions

What are the tax implications of moving country?

The tax implications depend on both your country of departure and destination. They can include exit taxes, changes to pension tax treatment, new income and capital gains tax regimes, and changed inheritance tax exposure. We assess the full picture thoroughly before you move.

Can you help with both UK and non-UK relocations?

Yes. We advise clients moving to and from the UK, as well as those relocating between non-UK countries. Our focus is on your complete cross-border financial picture regardless of which countries are involved in your relocation.

Do I need to notify HMRC when I leave the UK?

Yes. You should notify HMRC of your departure by completing form P85 and filing a tax return for the year of departure. You may also need to consider split-year treatment. We manage all of this as part of your departure planning process.

What happens to my pension when I move abroad?

Your pension rights generally remain intact when you move abroad. However, the tax treatment of contributions, growth, and withdrawals may change depending on your new country of residence and any applicable double taxation agreement. We review all pension arrangements as part of your relocation plan.

Plan Your International Relocation With Confidence

Book a global mobility planning consultation with a Credible Life adviser. We will ensure your move is financially optimised at every stage of the process.