Question 1

How does Link Independent work?

Accepted Answer

Link Independent reviews your enquiry and matches you with a trusted, regulated financial adviser who specialises in your specific situation and destination country. The process is free and there is no obligation.

Question 2

Is Link Independent free to use?

Accepted Answer

Yes — using Link Independent to find and be introduced to a financial adviser is completely free. Advisers charge their own fees for their services, which will be made clear before any work begins.

Question 3

Are the advisers on Link Independent regulated?

Accepted Answer

Yes. All advisers in the Link Independent network are fully licensed and regulated in their respective jurisdictions. We conduct due diligence checks on all partners.

Question 4

What countries does Link Independent cover?

Accepted Answer

Link Independent has a global network covering over 30 countries including the UAE, Portugal, Spain, France, Australia, Singapore, the USA, and many more.

Question 5

Can Link Independent help with expat pension planning?

Accepted Answer

Yes. We connect clients with specialist pension advisers who understand cross-border pension issues including QROPS, SIPP transfers, and state pension entitlements when living abroad.

Question 6

What is the Expat Finance Planner?

Accepted Answer

The Link Independent Expat Finance Planner is a free online tool that generates a personalised financial readiness report for people planning to move abroad. It covers pension analysis, cost of living comparisons, tax complexity assessment, and a step-by-step action plan.

Question 7

Do I need a financial adviser when moving abroad?

Accepted Answer

While not legally required, having a specialist international financial adviser when moving abroad is strongly recommended. Cross-border tax rules, pension implications, and investment regulations are complex and mistakes can be costly. A good adviser typically saves clients far more than their fees.

Question 8

What is a QROPS pension transfer?

Accepted Answer

A QROPS (Qualifying Recognised Overseas Pension Scheme) is an overseas pension arrangement that meets HMRC requirements, allowing UK pension funds to be transferred abroad without an immediate UK tax charge. QROPS transfers are complex and regulated — always seek qualified advice before proceeding.

Question 9

How does cross-border tax work for expats?

Accepted Answer

Cross-border tax for expats involves understanding your tax residency status in both your origin and destination countries, applying any relevant double taxation treaty, and ensuring compliance with reporting obligations in both jurisdictions. Specialist advice is essential to avoid paying tax twice or facing penalties.

Question 10

Can Link Independent help with buying property abroad?

Accepted Answer

Yes. Link Independent works with international property specialists, mortgage brokers, and legal professionals who can support all aspects of buying property abroad — from financing to legal due diligence to tax planning.

Question 11

Is my UK will valid abroad?

Accepted Answer

A UK will may not be valid or effective in another country. Many countries have different requirements for will validity, and some have forced heirship rules that can override your wishes. If you own assets abroad or live abroad, you should seek legal advice about your estate planning arrangements.

Question 12

What is the Link Independent Money Sprouts programme?

Accepted Answer

Money Sprouts is Link Independent's free financial literacy programme for children and young people. It teaches the fundamentals of money management, saving, and investing in an engaging, age-appropriate way.

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