NEBA Private Clients provides independent financial planning, investment and wealth management for internationally mobile individuals and families in South Africa. We help clients invest offshore, plan around a move abroad and coordinate finances across borders, with a regulated presence in South Africa and a wider footprint across five jurisdictions.
Why financial planning in South Africa is a cross-border question
South Africa presents a particular set of cross-border questions, from moving capital offshore to planning for a possible move abroad. Currency exposure to the rand, the rules on ceasing South African tax residency and the use of offshore investment allowances all need careful handling. Many clients also hold UK pensions or other foreign assets, where decisions made in South Africa can affect the position elsewhere. A coordinated plan keeps these moving parts aligned.
How we help clients in South Africa
We advise on investment management, offshore investing, UK pension transfers, tax planning, estate and succession planning, and currency transfer, delivered as one coordinated plan.
UK pension transfers and offshore pensions
If you hold UK pension benefits, or are planning to move abroad, how you manage those benefits matters. 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. See our guide to UK pension transfers for expats.
Tax and offshore planning for South Africa
Moving capital offshore and ceasing South African tax residency both follow specific rules, and getting the sequence right matters. We help you make use of offshore investment allowances appropriate to your situation, understand your exposure to estate duty and capital gains, and plan around any move abroad. We work alongside specialist tax counsel where it is needed. Read our guides to offshore financial planning in South Africa and tax planning for expats.
Regulated advice in South Africa
NEBA Private Clients (PTY) Ltd is authorised by the Financial Sector Conduct Authority (FSCA). We are part of a group licensed across the UAE, Singapore, Malaysia, South Africa and the UK.
Frequently asked questions
Yes. South African residents can move capital offshore within the available allowances. We advise on structuring offshore investments appropriately for your circumstances.
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.
Yes. NEBA Private Clients (PTY) Ltd is authorised by the Financial Sector Conduct Authority, as part of a group licensed across five jurisdictions.
An expat adviser coordinates investments, pensions, tax and protection across South Africa and the countries you are connected to, so your financial life works as one plan.
