Seven questions most
advisers never ask.
They take about two minutes, and they are the same ones I work through in a first meeting. You get a full diagnostic immediately — no email required to see it.
It cannot see your numbers and it is not advice. What it does is map where the complexity sits in a cross-border position, and show you where I would start looking if we were sitting across the table.
What brought you here?
Select any that apply.
Where are you today?
Roughly how much investable wealth is involved?
Excluding your main residence. This only affects which structures are worth discussing.
What is the biggest financial decision on your horizon?
Is any pension or investment account still held in a country you no longer live in?
When did someone last look at your pensions, investments and residency as one picture?
How clear are you on how the cross-border rules apply to your own position?
The more jurisdictions, pension schemes and financial events involved, the more expensive it becomes to look at each element separately. This score reflects coordination complexity, not the quality of any individual arrangement.
Where I would start looking
Based on your answers, in order of priority.
This is not a recommendation, and it cannot be — I have not seen your actual position. It is where I would begin if we were sitting across the table.
Thomas Schwencke
Cross-Border Wealth Adviser · deVere SpainI left Copenhagen for Marbella three years ago, so I have been through this myself. I advise internationals on getting pensions, investments and residency working together — before a move rather than after.
What would you like to do next?
No obligation either way, and no product conversation until there is a reason for one.
Changed your mind?