Galileo Wealth

UK Pension in France: Is the 7.5% Rule an Opportunity for You?

If you're an expat living in France, the way you access your pension can have a significant impact on the amount of tax you pay.

Our latest article explores the French 7.5% tax rule, explaining:

• Who it may apply to
• How UK pension lump sums are treated
• Important conditions to be aware of
• Why taking advice before making withdrawals is essential

Understanding the rules before accessing your pension could help you make more informed financial decisions.

Read the full article here: https://galileo-wealth.com/the-7-5-rule-could-you-pay-less-tax-on-your-uk-pension-in-france/

The 7.5% Rule: How UK Pension Withdrawals Are Taxed in France - Galileo Wealth Learn how the French 7.5% pension tax rule could reduce tax on your UK pension lump sum. A guide for UK expats living or retiring in France.

Have you had the same SIPP or QROPS for more than five years?

It may be time to review what you're paying.

An international pension that was suitable when you first moved abroad may no longer offer the best combination of cost, investment choice, flexibility and service.

Our latest article explains what to look at when reviewing an older SIPP or QROPS, including:

Pension and administration fees
Platform and investment charges
Adviser and transaction costs
Currency and FX charges
Benefits or guarantees you could lose by transferring
Potential tax and transfer implications
Whether newer pension arrangements could offer better value
But there's an important distinction:

A cheaper pension isn't necessarily a better pension.

A proper review should consider the overall outcome — not just one headline fee.

If you've had the same international pension for five years or more, it could be worth finding out whether it's still right for you.

Read the full article: https://galileo-wealth.com/sipp-qrops-pension-review/

SIPP & QROPS Pension Review: Are You Paying Too Much? - Galileo Wealth Have you had the same SIPP or QROPS for 5+ years? Learn how to review pension fees, investment costs and benefits, and whether a newer arrangement could offer better value.

Are you an “orphaned client”?

When you first worked with a financial adviser, you probably expected regular reviews, proactive advice and someone who understood your financial goals.

But what happens when the calls stop?

If you’re paying ongoing adviser fees but rarely hear from your adviser, your circumstances have changed, or you simply don’t know what service you’re receiving, it may be time to review the relationship.

Your investments and pensions shouldn’t simply be left on autopilot.

Our latest article explains what an "orphaned client" is, the warning signs to look out for, and what you can do if you feel your financial affairs are no longer receiving the attention they deserve.

Read the full article and find out whether it’s time for a fresh look at your finances.

Orphaned Clients: When Did You Last Speak to Your Adviser? - Galileo Wealth Are you paying financial adviser fees but receiving little or no advice? Learn the signs of an orphaned client and when it may be time to review your adviser.

How can you increase your pension before retirement?

Many people only start reviewing their pension savings a few years before they plan to retire. The good news is that there are practical steps you can take to help strengthen your retirement finances.

Our latest blog looks at six ways you may be able to improve your pension position, including:

• Increasing your pension contributions
• Finding and consolidating old pensions
• Reviewing your investment strategy
• Understanding salary sacrifice
• Seeking professional pension and investment advice

If you've built up several pensions during your career or haven't reviewed them in years, now could be a good time to take stock.

Read the full article here: https://galileo-wealth.com/how-to-increase-your-pension-pot-before-retirement-6-practical-steps/

If you'd like to discuss your pension or investment strategy, our experienced advisers are here to help.

How To Increase Your Pension Pot Before Retirement: 6 Practical Steps Discover 6 practical ways to increase your pension pot, including pension consolidation, investment reviews and retirement planning tips.

Are you an expat living in Spain?

Our latest blog explains the best investment options for expats in Spain, including tax-efficient investing, offshore bonds, retirement planning, and wealth management strategies.

If you want to grow and protect your wealth while living abroad, this guide is worth reading.

📖 Read more here: https://galileo-wealth.com/best-investment-options-for-expats-in-spain/

Best Investment Options for Expats in Spain - Galileo Wealth Discover the best investment options for expats in Spain, including pension transfers, property, stocks, and Spanish tax-compliant investment bonds.

Investing internationally can feel complicated.

Between changing regulations, tax considerations, and different investment options, it’s not always clear what the best approach is.

That’s why understanding how to save and invest as an expat living abroad is so important.

In our latest blog, we cover:

✔️ What investment platforms are and how they work
✔️ How to reduce fees and improve long-term returns
✔️ What to look for before choosing a platform
✔️ Common mistakes to avoid

If you want a clearer, more structured approach to managing your finances globally, this guide is a great place to start.

👇 Read the full guide here

Platforms: How To Save And Invest As An Expat - Galileo Wealth Learn how to save and invest as an expat living overseas. Discover the best investment platforms, costs, and strategies.

Are you investing in a way that aligns with your values?

ESG investing—short for Environmental, Social, and Governance—is becoming one of the most important trends in finance. More investors are choosing companies that not only perform well financially but also make a positive impact on the world.

In our latest blog, we break down:

✅ What ESG investing is
✅ The different types of ethical investments
✅ Why ESG portfolios are gaining popularity
✅ How you can start investing sustainably

If you’re thinking about building long-term wealth while supporting responsible businesses, this is worth a read.

👉 Discover more: https://galileo-wealth.com/esg-investing-explained-what-it-is-how-to-invest-ethically/

ESG Investing Explained: What It Is & How to Invest Ethically - Galileo Wealth Learn what ESG investing is, how it works, and why it matters. Discover ethical investment options, benefits, and how to build a sustainable portfolio.

Divorce can be complex—but for expats, it can be even more challenging.

One of the most commonly overlooked areas? Pensions.

If you’ve worked in multiple countries or built up international retirement savings, understanding how these are treated in a divorce is essential.

In our latest blog, we cover:
✔️ How pensions are divided in international divorce
✔️ What expats need to know about jurisdiction
✔️ Tax implications you shouldn’t ignore
✔️ Your options for reaching a fair settlement

Taking the right steps now can help protect your long-term financial future.

Read the full guide here👇

If you have questions about your situation, feel free to get in touch.

Expat Divorce and Pension Planning - What You Need to Know - Galileo Wealth A practical guide to expat divorce and pensions, explaining risks, rights, and planning steps to protect your financial future.

Are you living abroad but still paying UK tax on your pension? 🤔

You might need an **NT tax code**.

This special tax code allows some non-UK residents to receive their UK income *without tax being deducted* — but many people don’t realise they need to apply for it.

👉 Without an NT tax code:
• Your pension could be taxed automatically
• You may end up overpaying
• You’ll need to reclaim tax later

The good news? Once it’s set up correctly, your income can be paid without UK tax deductions.

We’ve created a simple guide to help you understand:
✅ Who needs an NT tax code
✅ How to apply
✅ What to expect during the process

Read our guide for more information 👇

If you’re unsure, feel free to message us — we’re happy to help 👍

NT Tax Code Explained - When and Why You Need One - Galileo Wealth Learn what the NT tax code means, who it applies to, and how it affects income and tax planning for expats.

Are you a UK expat living in Europe and suddenly lost access to your financial adviser?

You’re not alone—and Brexit is the reason why.

Many UK-based advisers can no longer legally provide financial advice to EU residents, leaving thousands of expats unsure what to do next.

In our latest blog, we explain:

What changed after Brexit
Why your adviser may have dropped you
How to find the right financial support abroad

If you’re living overseas or planning a move, this guide will help you avoid costly mistakes and make smarter financial decisions.

👇 Read the full article here

Post-Brexit Financial Advice for UK Expats (2026 Guide) - Galileo Wealth UK expat in Europe? Learn how Brexit affects your finances and why an international financial adviser is key in 2026.