INTERNATIONAL TEACHERS & SCHOOL LEADERS

International teachers and school leaders face a highly mobile career with frequent relocations, changing pension regimes and contract variations. We deliver financial advice that ensures mobility doesn’t compromise long‑term retirement outcomes or tax efficiency — from contract review and pension portability to investment and protection strategies.

TYPICAL CHALLENGES 

• Multiple pension schemes across jurisdictions and unclear portability
• Frequent contract changes and inconsistent benefits
• Cross‑border tax exposure and residency complexity
• Saving for home purchase or family education across currencies
• Limited time for ongoing financial administration

SERVICES WE PROVIDE

• Cross‑border pension analysis and consolidation strategies 
• Contract & benefits review (housing, flights, allowances, completion bonuses) 
• Tax-aware cashflow modelling and multi‑currency saving plans 
• Investment management aligned to frequent-move horizons 
• Protection planning (income protection, critical illness, medical cover) 
• University-fee planning and family contingency plans

CASE STUDY

Lisa, International School Head (Beijing → Dubai)

Situation: Lisa had accrued pension rights in the UK and an employer scheme in China, with offers from a Dubai school that included a large housing allowance but no employer pension.

Advice: We mapped liabilities and employer benefits, modelled retirement outcomes under various consolidation scenarios, and negotiated contract language to secure a completion payment and expat health cover.

Outcome: Lisa moved with a clear plan: maintain UK pension contributions via voluntary top-ups, direct a portion of the housing allowance into a portable international retirement plan, and reallocate savings into a globally diversified portfolio. Projected retirement shortfall reduced by 40% vs. the unadvised scenario.