We specialise in one thing and do it properly: cross-border financial advice for expats in Europe. Here is what we handle, how we think about your money, and how the wider network fits around it.
We arrange and look after the money side directly. Everything below is done in-house by your partner, with cross-border planning running through all of it.
Sensible structuring of cash and reserves across currencies and countries, so your everyday money and emergency fund are held in the right place and working as they should.
Portfolios built around your goals and your appetite for risk, then reviewed as your circumstances abroad change. Advice on what to hold, not a fixed product pushed to fit a quota.
What to do with a UK pension, a US 401(k) or IRA, or a scheme left behind, once you no longer live where it was set up. Reviews that weigh transferring, consolidating or leaving it alone against your full picture.
Aligning your finances with where you actually live now, from residency status to currency exposure to how the relevant tax treaty applies to you. This is the thread that runs through everything else.
The core of what we doHolding your assets in the right shape for your situation, with an eye on tax efficiency and passing wealth on cleanly to the next generation across jurisdictions.
Specialist input on where you are taxed and how to avoid the expensive mistakes, whether that is double taxation, a missed treaty election, or a US account that quietly becomes non-compliant once you have moved.
Meridia Wealth is built to put the client first. In practice, that comes down to four things we hold to on every case.
We start from your situation and your appetite for risk, then recommend what suits it. If a product isn't right for you, we won't put you in it to hit a target.
Savings, investments, pensions, tax and structure are looked at together. Decisions in one area affect the others, so we plan with the whole picture in front of us.
You keep the same named partner as your life abroad changes. For everything beyond the money, they coordinate the right specialist from our network on your behalf.
All advisers are qualified, and a strong back office stands behind every case, so nothing slips and reviews actually happen on time.
Moving to Europe involves far more than investments and pensions. Rather than sell you services outside our specialism, we introduce you to specialists we have worked with and trust.
Visas, residency and citizenship, currency, mortgages, property and local tax are all handled by dedicated partners, coordinated through your Meridia partner so you deal with one point of contact for the whole transition.
Golden Visa, residency and citizenship routes handled end to end by immigration specialists.
Better rates and cleaner timing on cross-border transfers than a high-street bank.
Cross-border and non-resident lending arranged with brokers who know the local market.
Local property expertise for buying, selling or renting where you are settling.
In-country tax advisers for filings and questions specific to where you now live.
Wills, succession and legal matters connected to living and holding assets abroad.
We build AI into the parts of the process where it genuinely helps, and only there. It works behind the scenes on the admin, never on the advice itself.
The point is simple: less time on paperwork means more of your partner's time on you. A strong back office and modern systems keep everything moving and make sure reviews happen when they should.
Clear, accurate client reports drafted faster, then checked and signed off by your adviser before they reach you.
Modelling different scenarios quickly, so you can see how a decision plays out over the years before you commit to it.
Automated prompts so no review is missed and your plan keeps pace with changes in your life and the rules around it.
We work mainly with British and American clients, with our heaviest focus in France, Spain and Portugal. Wherever you have settled in Europe, the cross-border questions are much the same, and so is the way we work through them.
If your country isn't listed, ask. Our clients live well beyond the places below.
A free, no-obligation call is the simplest way to find out. Tell us your situation and we'll take it from there.