As the UK has completely left the EU, freedom of movement no longer applies, and the UK is now regarded as a ‘third country’. Due to this, UK citizens visiting the EU are restricted to 90 days in any rolling 180-day period, and, to stay longer, must apply in advance for a visa and/or residency permit. 

Your current adviser 

If you are considering leaving the UK to work or live abroad, it is important to note that your current UK financial adviser will no longer be able to accommodate your financial management needs, once you are no longer a UK resident. This is the case, regardless of whether the investments already sit in the UK before you depart, or that you may be planning to return to the UK after a temporary contractual employment service abroad.  

The rare exception would be if a UK Adviser Firm has special overseas regulatory permissions from the specific Regulator of the Country to which you have moved. 

Important financial protection 

Extreme care should be taken if your existing UK Adviser suggests that you can be advised whilst abroad. In particular, you will lose all financial protections in place when receiving advice from a UK-based and regulated Adviser Firm. These include the: 

  1. Financial Services Compensation Scheme (FSCS) 
  2. Financial Ombudsman Service (FOS) 
  3. Professional Indemnity Insurance (PII)*  

*cover that the Adviser Firm needs to have to adequately protect its UK Clients in the event of a financial loss being deemed due to advice given to you 

Our distinctive solution 

Fortunately, whether or not you are a current Client of Patterson-Mills, we can offer you the right advisory solution for those moving to the following countries: 

  • France 
  • Italy 
  • Luxembourg  
  • Malta  
  • Spain 
  • Switzerland 

This is achieved through our international links via Patterson Mills Sàrl in Geneva, Switzerland, along with their EU Partners. The result is:

  • Your investments can be assessed, reviewed, and monitored 
  • Your investments can be updated in line with your risk profile and ongoing, evolving objectives 
  • We are part of the carefully selected team of experienced, professional advisers for your whole period overseas 

Our solutions are aimed at keeping your costs down, investment performance up and ensure you benefit from qualified, regulated advice in the relevant jurisdiction. 

Contact Us

Whether you’re flying away shortly or even in the planning stage, you have nothing to lose and potentially a lot to gain!

To find out more about what we can do for you, e-mail us at or click the button below and we will arrange an initial, no-obligation, discussion:

Get in touch


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