Financial Advisers for Expats in Singapore
Independent Cross-Border Planning for Expatriates in Singapore
NEBA Private Clients provides independent financial planning, investment and wealth management for expatriates living in Singapore. Singapore is home to one of the world’s largest communities of internationally mobile professionals, and we help them and their families plan across borders. We are headquartered in Singapore and regulated here, with a wider footprint across five jurisdictions.
Why expats in Singapore need cross-border advice
Singapore’s tax system is straightforward and there is no tax on capital gains, but your financial life rarely stops at the border. Many residents keep pensions, property and family connections in the UK or elsewhere, and decisions made in Singapore can affect your tax and estate position at home. Exposure to UK Inheritance Tax often depends on domicile rather than where you live, and recent changes to how the UK taxes internationally connected individuals make planning more important. Currency, the length of your stay and your eventual destination all shape the right approach.
How we help expats in Singapore
We advise on investment management, UK pension transfers, tax planning, estate and succession planning, personal and family protection, and currency transfer, delivered as one coordinated plan.
UK pension transfers from Singapore
If you hold UK pension benefits, living in Singapore raises the question of how best to manage them. A Self-Invested Personal Pension (SIPP) or a Qualifying Recognised Overseas Pension Scheme (QROPS) each involve trade-offs around tax, access, currency and regulation, and the right choice depends on your circumstances and likely future residence. We advise independently on whether a transfer suits you, and we will say when leaving a pension in place is the better option. For more detail, see our guide to UK Pension Transfers for Expats.
Tax planning for Singapore-based expats
Singapore does not tax capital gains and operates a territorial system, but your home-country obligations may continue. We help you understand your exposure to UK Inheritance Tax and capital taxes based on domicile, make use of tax-efficient structures appropriate to your situation including the Supplementary Retirement Scheme where relevant, and plan ahead of any return home. We work alongside specialist tax counsel where it is needed. You may also find our guide to Tax Planning for Expats helpful.
Regulated advice in Singapore
NEBA Private Clients Pte Ltd is licensed by the Monetary Authority of Singapore (MAS). We are part of a group licensed across the UAE, Singapore, Malaysia, South Africa and the UK.
Speak to an Adviser
Arrange a conversation with a NEBA Private Clients adviser to discuss your financial planning as an expatriate in Singapore.
Frequently asked questions
Do expats pay tax in Singapore?
Singapore taxes income on a territorial basis and does not tax capital gains. Your obligations in your home country may continue depending on your domicile and residence, which is why cross-border planning matters.
Can I transfer my UK pension while living in Singapore?
In many cases yes, through a SIPP or a QROPS, though suitability depends on your circumstances and plans. We advise independently on whether a transfer is right for you.
Is NEBA Private Clients regulated in Singapore?
Yes. NEBA Private Clients Pte Ltd is licensed by the Monetary Authority of Singapore, as part of a group licensed across five jurisdictions.
What does a financial adviser for expats do?
An expat adviser helps you coordinate investments, pensions, tax and protection across the country you live in and the countries you remain connected to, so your financial life works as one plan.
