PWM International

Pre-arrival
planning

Before you move to the UK, or return after a long stint living abroad, it’s a good idea to prepare your finances.

Tax rules vary across jurisdictions, so an asset or investment structure that’s highly efficient in one jurisdiction can often be less efficient or even costly in another. It takes time to understand how these differences might affect you and to make any necessary changes, so we generally recommend starting your review at least a year before your move.  

Our PWM International team has years of experience helping clients through this process, so let us support you to optimise your finances so you can focus on the many other aspects of your coming move. 

Download our Introduction to pre arrival planning guide An introduction to the FIG regime An introduction to statutory residence test

Understanding the new UK residence-based tax regime 

From 6 April 2025, the UK government replaced the previous tax rules for non-UK domiciled individuals with a residence-based regime. The new regime moves away from the concept of domicile to the more direct determination of residence to define your individual UK tax status.  

If you are a new UK resident, the new regime means you will not pay tax on foreign income and gains for four years. Following that period, you’ll pay the same tax on your foreign income and gains as any other UK resident, regardless of your domicile status. As a result, there are significant tax benefits to organising your finances and assets ahead of your move. Part of our pre-arrival work with you will include mapping out how you will use your assets and cashflows once you’re a UK resident to ensure your affairs are optimised for this regime. 

The new rules also significantly impact any trusts you may hold as well as your inheritance planning, so these areas will also be part of our detailed review and pre-arrival planning.  

Helping you move with confidence 

Our experienced team of international advisers are on hand to guide you through every step of preparing your finances ahead of your arrival in the UK. Our support includes: 

  • Assessing your finances against UK taxation rules 
  • Building a financial plan for your arrival in the UK 
  • Optimising your financial activities for arrival and beyond.  

 

For further information

To find out more about how we can help you with no obligation, please contact Nathan Prior, Partner and Head of PWM International.

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