One financial life. More than one country.

Create one view

Record each account, asset, pension and liability, including its country, currency and purpose. Note ownership and beneficiaries where relevant.

Connect assets to future spending

Consider where and when you expect to spend. A balance in one currency may support a goal in another, introducing an additional source of uncertainty.

Look for gaps and overlaps

Review repeated holdings, concentrated exposures, duplicated cover and accounts that no longer serve a clear purpose. Changes should follow a full understanding of costs and consequences.

Keep the plan current

Set a review point after a move, family change or new role. The aim is a coherent financial plan that reflects your life now and the options you want later.

Separate the owner, the wrapper and the investment

An account label rarely tells the whole story. An ISA is a UK wrapper; the underlying holdings may be shares, funds or cash. A pension has its own scheme rules, while a company account belongs to a separate legal owner. A cross-border review needs these layers because the destination may recognise one distinction and ignore another.

Record ownership and who can access the money. A family portfolio might include joint cash, one partner's workplace pension, a business reserve and a property held through a company. Adding the balances produces a total, but not a usable plan. Identify what is liquid, what generates income and what cannot fund near-term spending without a tax or contractual consequence.

Build the plan around future spending

Write the next three years of expected spending in the currency in which it will occur. Include everyday costs, education, property commitments, travel and the possibility of a return move. Then compare those needs with available cash and expected income. This makes a currency mismatch visible without requiring a prediction about exchange rates.

A portfolio can appear diversified by number of accounts while remaining concentrated in one employer, one property market or one currency. Conversely, moving every asset into the destination currency may create a different concentration. Discuss the purpose of each holding and the amount of short-term flexibility required before choosing implementation steps.

Know where the website stops

Our Asset Map deliberately concentrates on common UK and US accounts and a limited set of international structures. A custom account can be recorded for discussion without receiving a numerical tax result. That is useful when the arrangement is unfamiliar, locally specialized or dependent on a contract that the website cannot inspect.

French insurance arrangements, overseas trusts and foreign retirement structures cannot be judged from their marketing name alone. For an American investor, non-US pooled investments can raise classification and reporting questions. For a British investor moving abroad, familiar tax advantages may not carry over. The map should surface an issue and the reason for review, rather than presenting a red or orange marker as a final conclusion.

Make the handover useful and proportionate

A first discussion usually needs account categories, approximate values or income, ownership, countries and intended dates. It does not need passwords, account numbers or identity documents. Keep those out of website tools and provide sensitive records only through a professional's agreed secure process.

You can export the map for your own records. If eligible, you can choose whether to attach a short scenario summary to an introduction request. Using a tool does not automatically share the map with a partner. The proposed external provider should be identified before an introduction is confirmed, and the detailed financial plan should be developed under a separate professional relationship.