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Proctor Wealth Associates

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Nederland
The Hague
Proctor Wealth Associates

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We provide independent, personalised financial planning to expatriates living and working all around the world.

Our financial planners work in conjunction within an IFA network which has over £3 Billion under management and over 120 offices worldwide. We aim to gain a clear understanding of our client’s targets and goals and to find a suitable investment solution through the various institutions that we facilitate.

20/10/2026

If you live in the Gulf, a recent run of strikes on Riyadh's main airport has put a question in front of a lot of families. Would your health or life cover actually pay out if you were hurt in a conflict?

The answer sits in a few lines of policy wording. Some international health plans cover injury from war or terrorism if you are an innocent bystander. Others exclude anything directly caused by war. Evacuation cover can also surprise people, because it often applies only when a doctor says the care you need isn't available locally, not simply because staying has become unsafe.

Will's latest article explains where that wording matters and gives a short list of questions to ask your insurer, in writing, with the clause references. It's written for expats of any nationality. If you know someone working or living in the Gulf, it may be worth passing on.

https://pwa-intl.com/news/when-war-reaches-the-airport-what-your-expat-health-and-life-cover-may-not-pay-for-in-a-conflict

15/10/2026

If you've looked at the cautious part of your portfolio recently and wondered why it's still showing a loss — even with bond yields at their highest since 2002 — you're not alone. We've had that exact conversation several times this month.

The short answer is that bond funds work differently from individual bonds. There's no maturity date, so there's no fixed moment when prices recover. And if your fund reinvests its income rather than paying it out, that income is invisible on your statement — it simply disappears into a falling unit price.

The more important question now is whether your cautious money is in the right structure for what you actually need it to do. Liquidity for the next year or two, insurance against an equity fall, and reliable income are three different jobs — and one global bond fund often can't do all three well at the same time.

We've written a straightforward guide to what a 5% yield does and doesn't change, which fund structures suit which purpose, and what we'd do (and wouldn't do) right now. If any of this sounds familiar, it might be worth a read — or a conversation.

Have a look and feel free to tag someone who's been asking the same question 👇

https://www.pwa-intl.com/news/why-your-bond-fund-still-shows-a-loss-at-5-and-what-to-hold-instead

07/10/2026

If you're living in France — whether you've retired there, are working there, or are raising a family — France's draft 2027 budget has a few things worth knowing about before the year is out.

The one that deserves the most attention is Article 6. If you hold a life assurance policy issued in Luxembourg, Ireland or elsewhere outside France, this clause would make the favourable French tax treatment conditional on three specific tests. A policy that doesn't pass could face very different tax rules on death from 1st July 2027 — and for some beneficiaries, particularly those who aren't a spouse or civil partner, that difference is significant.

The draft also touches pension tax allowances, a short gift window in early 2027, and furnished lets.

We've written it all up in plain language, including what each measure would mean for a real household. We work alongside French tax advisers and can introduce you to one if you don't already have somebody.

Have questions about how your own arrangements sit? Tag a friend who's based in France, or drop us a message — we're happy to talk it through. Full article here: https://www.pwa-intl.com/news/staying-in-france-what-the-2027-budget-and-a-nervous-bond-market-mean-for-your-money

04/09/2026

Here's a situation that comes up more than you might think.

A British expat moves to the eurozone, opens a local bank account, and puts a lump sum in it while they settle in. The plan is to 'sort it out properly' once life calms down.

A year or two later, that money is still there — and with the ECB rate now at 2.0%, many standard savings accounts are paying noticeably less. When you factor in local inflation running at 2–3% in parts of Europe, the real value of that sum may have quietly slipped.

If this sounds familiar, you're not alone — and there's no pressure here. It's simply worth knowing what your options actually look like, tailored to your situation and where you're living now.

We work with expats across Europe to review exactly this — independently, with no ties to any single institution. Have a read of our latest commentary on the link below, or feel free to get in touch for a conversation.

31/07/2026

If you spend part of the year at a home in Europe, this is worth a few minutes of your time.

Since 10th April, the EU's Entry/Exit System (EES) has been recording every non-EU passport crossing a Schengen border — biometrically, with exact timestamps. The familiar 90-day limit on visits hasn't moved, but the way it's enforced has changed completely. The fuzzy stamp count that many people quietly relied on is gone.

What surprises a lot of people is how directly this connects to tax residency. Day counts aren't just a travel inconvenience — they're the basis on which countries decide where you owe tax. We work with clients to make sure those two things — the life you're actually living and the financial and tax structure around it — genuinely match.

We've written a straightforward guide to what EES means in practice and what good planning looks like now. Do you know anyone whose year is split between the UK and Europe? It might be worth sharing this with them.

30/07/2026

If you hold a global index fund, last week's tech sell-off probably affected your portfolio more than you realise — even if you've never deliberately bought a US technology share.

Alphabet reported a genuinely strong quarter: revenue up 24%, cloud revenue up 82%. Its shares still fell more than 7%, because the market finally blinked at a $205 billion annual AI spending plan and the company's first negative cash flow quarter in over two decades.

The knock-on was swift. The so-called Magnificent Seven — the seven largest US tech names — fell 4.8% in a single day. A typical "global" tracker barely moved by comparison, but that's partly because it's so heavily weighted towards those same names. Around 70% of a global developed-markets fund sits in the US, and a large chunk of that in a handful of AI-linked companies.

For many of the expats we work with, the portfolio, the currency exposure and the platform it sits on were all chosen in a different country, under different circumstances. This is a sensible moment to check that everything still fits.

We've written up exactly what happened, why it matters and what we'd actually do about it — link in the comments. If someone you know is wondering what last week meant for their savings, feel free to share this with them.

30/07/2026

If you have built up a portfolio while living abroad, there is a reasonable chance it looks like most of the ones we review — well-intentioned, but quietly missing one of the few parts of the world where long-term growth is still relatively affordable.

Emerging markets — India, Indonesia, Vietnam, Brazil, and others — have spent the past decade delivering around 11% a year on the MSCI index. That is meaningfully ahead of the FTSE 100 over the same period. Yet they barely feature in most expat portfolios we see.

There are genuine risks to understand: currency swings, political instability, and an index that has become heavily concentrated in a handful of semiconductor companies. And for expats specifically, how and where you hold these investments can matter as much as which ones you choose.

We have written a straightforward guide to all of it — no jargon, just what you actually need to know. Have a read and let us know what questions it raises for your own situation. We are always happy to talk it through. 👇

https://www.pwa-intl.com/news/emerging-markets-opportunities-risks-and-how-to-invest

30/07/2026

If you live in France, Spain, Italy or Portugal and you've made a will — it's worth knowing that your will may not be the final word on who inherits your estate.

Most of continental Europe has forced heirship rules: a fixed share of your estate is legally reserved for your children, whatever you intended. In France, that can be up to three-quarters. In Spain, as much as two-thirds. It applies to expats just as much as local residents.

There is a way to take back some control — an EU regulation called Brussels IV lets you elect for your home country's succession law to apply instead. But it has real limits, and the tax side of things is entirely separate.

We've put together a plain-English guide to how all of this works, tailored to the situations expats actually face — blended families, unmarried partners, illiquid assets, and more.

If someone you know has recently moved to Europe, or hasn't looked at their estate arrangements in a few years, this is worth a read. Tag them below or share it on — it's one of those things that's much easier to sort out before it becomes urgent.

https://www.pwa-intl.com/news/who-actually-inherits-your-estate-when-you-live-abroad

29/07/2026

If you're raising children abroad and haven't yet sat down to total up the full cost of their education, it's worth doing — and it's worth doing before you need the money rather than when you do.

International school fees are rising at 5–8% a year. The real bill, once transport, exams, trips and everything else is included, is typically 20–40% above the headline tuition figure. And for many expat families, the university years bring the biggest surprise of all — children who've grown up overseas can be classed as international students, facing fees several times the home rate for the very same degree.

None of that has to be a problem. It's one of the most predictable costs you'll ever face, which means it's very plannable — especially if you start while time is still on your side.

We've written a guide to what this really costs in 2026 and how to build a plan that fits your situation, wherever in the world you're based. Have a read and feel free to tag another expat parent who'd find it useful: https://www.pwa-intl.com/news/planning-ahead-for-the-cost-of-educating-children-abroad

Any questions, we're happy to talk it through.

05/06/2026

Since the conflict in the Gulf began earlier this year, around 30,000 Britons have quietly left the UAE. What's striking isn't that they left — it's where they went. Switzerland, Spain and Portugal are the destinations of choice. The UK, for most, isn't on the list.

The reason is largely tax. The April 2025 abolition of non-dom status means returning to the UK now comes with a meaningful bill for anyone with an offshore portfolio or UAE-built business. That's not a criticism — every country sets its own rules. It's simply a reminder that "go home" is a financial decision, not just a personal one.

The lesson sitting underneath the headlines applies to any expat, not just those leaving Dubai: banking that resets every time you move country, FX fees of 3–7% on large transfers, pension drawdown timed incorrectly — these are the details that quietly cost people tens of thousands of pounds.

We'd love to know — has a move ever caught you off guard financially? Share your experience in the comments, or tag someone who's weighing up a relocation right now. The full article is on our website.

Adres

Schenkkade 50 K
The Hague
2595AR

Openingstijden

Maandag	09:00 - 17:30
Dinsdag	09:00 - 17:30
Woensdag	09:00 - 17:30
Donderdag	09:00 - 17:30
Vrijdag	09:00 - 17:30

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+31 70 808 0152

Website

https://proctorwealthassociates.com/

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