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Personalised
Wealth Management

Solutions for Expats

You’re not like everyone else, so why should your financial plan be? Let’s get you set up for financial success in a way that works for you.

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Simplify Your
Financial Life

Financial Planning | Investing | Total Wealth Management

By integrating comprehensive financial planning and investment management, we’ll help you grow, manage, and protect your wealth, so you can pursue your dreams.

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Tax Efficient
Investment Planning

From basic Tax Compliant plans, to sophisticated personalised portfolios. Tailored strategies to grow your wealth efficiently.

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UK Pension Management

Make the most of your UK pensions. Cross-border solutions for tax-efficient access and control.

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Complete Wealth Management

From cash flow to family inheritance, we manage every aspect of your finances under one coordinated plan — so you can focus on living.

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About Us

At Ambient Wealth Management, we believe in partnerships – our success is based on your success. We work closely with you as an expat to create personalised wealth management solutions that meet your immediate and future financial goals.

You’ve worked hard to get to where you are today, now let us show you how to safeguard your wealth using our extensive knowledge of international products, tax breaks, latest financial trends and market risks.

Our Services

Pension Planning & Transfers

One of the smartest investments you can make is planning for your retirement, ensuring you and your beneficiaries can enjoy the fruits of your labour once the time comes.

Investments

When you decide to relocate overseas, the financial landscape opens up considerably. You have an increased choice of how and where to invest, and for many expats there are also significant tax advantages when investing. This is where we can assist you.

International Tax Planning

As an Ambient Wealth Management client, tax is one less thing you need to worry about. Let us help you navigate the complexities of cross-border transactions, ensuring you’re fully compliant with international tax laws and can optimise your overall tax position.

Pension Planning & Transfers

One of the smartest investments you can make is planning for your retirement, ensuring you and your beneficiaries can enjoy the fruits of your labour once the time comes.

Investments

When you decide to relocate overseas, the financial landscape opens up considerably. You have an increased choice of how and where to invest, and for many expats there are also significant tax advantages when investing. This is where we can assist you.

International Tax Planning

As an Ambient Wealth Management client, tax is one less thing you need to worry about. Let us help you navigate the complexities of cross-border transactions, ensuring you’re fully compliant with international tax laws and can optimise your overall tax position.

Succession Planning

You’ve been told how to invest your wealth, now let us guide you on how to structure it for succession planning purposes. We can help you minimise the potential complications associated with asset distribution and inheritance tax, ensuring your wealth is passed on as smoothly and tax efficiently as possible.

Relocating Overseas

Are you a UK national or international settling in the European Union? Our custom financial planning services are designed to help you navigate international tax laws and secure your investments across stable offshore jurisdictions, ensuring a smoother transition and a better quality of life.

US Connected Solutions

At Ambient Wealth Management, we regularly work with US expats who need to navigate the intricate landscape of US tax regulations. We work with you to ensure both compliance as well as financial optimisation, helping your money go further.

Succession Planning

You’ve been told how to invest your wealth, now let us guide you on how to structure it for succession planning purposes. We can help you minimise the potential complications associated with asset distribution and inheritance tax, ensuring your wealth is passed on as smoothly and tax efficiently as possible.

Relocating Overseas

Are you a UK national or international settling in the European Union? Our custom financial planning services are designed to help you navigate international tax laws and secure your investments across stable offshore jurisdictions, ensuring a smoother transition and a better quality of life.

US Connected Solutions

At Ambient Wealth Management, we regularly work with US expats who need to navigate the intricate landscape of US tax regulations. We work with you to ensure both compliance as well as financial optimisation, helping your money go further.

What Our Clients Say About Us

5 stars review - AWM

William – Spain

Mar 21, 2024

Will recommend without hesitation

My adviser Josh dealt with queries about my pension transfer in an efficient and professional manner, keeping me updated of the progress along the way and assisting in getting a very good exchange rate when it was time for the transfer from UK. I am very happy with his service and would thoroughly recommend him. Infact, I had been approached by two other companies but chose Josh because of the trust he instilled in me.

5 stars review - AWM

Mrs Bates – Spain

Apr 11, 2025

He is dedicated to his job, and trustworthy

My late husband and I were Privileged to have met Josh many years ago. He is a dedicated hard working young man always ready to listen and help in any way he can.He is currently helping me with documents I need which I find stressful to complete, as my husband passed away recently. He is dedicated to his job, and trustworthy. Josh has my recommendations.
5 stars review - AWM

Sean Baker - United Kingdom

Mar 18, 2025

QROPS Pension advice for expats

I started talking to Josh over two years ago to see which options were available for my UK pension pots. Mid 2024 I decided on a strategy based on all of the valuable information that Josh provided. His approach is based on giving information without pressure to allow you to make the right decision for your individual circumstance. Josh gets my recommendation because he is, without question, very good at his job.
5 stars review - AWM

Spencer Keeble - Spain

Mar 13, 2025

Trustorthy, focussed investment support

I’ve had various financial advisors, but after returning to Europe I started with Josh about 5 years ago. He has managed our investments through some difficult years and worked hard to sort out our complex situation whether related to larger or smaller investments with the same focus. He is open and straightforward, always does what he says, and has tried to support us when our needs were outside of his specialty. The investment choices have been sound and thought through but, most importantly he is trustworthy and is focused on his client’s best interests.
5 stars review - AWM

Eduardo – Spain

Feb 14, 2025

Trust

Knowledge, experience and transparency drive trust and good decisions.

Josh & Ambient are being fundamental to help us save for the future.

5 stars review - AWM

Vishal – Spain

Jan 28, 2025

Trustworthy, Knowledgeable & Professional

I cannot recommend Josh Williams enough! From the moment I started working with Josh, I felt understood and confident with his ability and experience. His advice was clear and tailored to my situation – especially as I had had bad experiences with other financial advisors. Not only is Josh highly knowledgeable but he is also very personable and has a relaxed yet professional approach about him. I feel he truly cares about delivering the best solutions for my needs and he continues to focus on helping me to achieve my long-term goals. If you’re looking for a financial advisor who is trustworthy, professional, and dedicated, look no further than Josh!
5 stars review - AWM

David Collingwood - United Kingdom

Jan 25, 2025

On my regular discussions with Josh…

On my regular discussions with Josh where he explains all of the current and prospects of my portfolio, making it simple to understand.

Currently the changes he proposed last year are all in positive numbers, which is not always the case with other companies wealth managers. I have tried other previously.

So far very happy.

5 stars review - AWM

Gaynor Haydon – Spain

Nov 7, 2024

His knowledge is excellent

Josh has been my financial advisor for a few years now. He’s been great, he pre-arranges our chats and always rings when he says he will. His knowledge is excellent and his advice has always proved correct. I would recommend him without hesitation.
5 stars review - AWM

Al – Spain

Nov 6 , 2024

A trusted advisor

Josh is a knowledgeable and committed advisor who is available with time and expertise to manage all my changing money needs. I trust him with my finances and his decision making.
5 stars review - AWM

Diane Wood - United Kingdom

Nov 5, 2024

Great Company

Josh is very knowledgeable and helpful and in touch with me regularly regarding my pension. I am very pleased that they look after my pension.
5 stars review - AWM

Sydney McLaughlin – Spain

Oct 6, 2024

I have known josh for a number off…

I have known josh for a number off years .the most important thing is i100% trust him .he so helpful makes everything easy for me he knows i am not good technology.he has also had time to help me outside of work. TOP MAN.
5 stars review - AWM

Amanda Gibbs - United Kingdom

Sep 17, 2024

Trust

We have trusted Josh from Ambient Wealth for many years.

He makes a point of meeting face to face and shares his knowledge of wealth management in detail.

We are about to review our finances and will be doing that with this company first and foremost.

5 stars review - AWM

Dolores Cortés-McPherson – Spain

Sep 16, 2024

Happy with his service

Josh is reliable, knowledgeable and innovative. He goes the extra mile to help and makes you feel conformable talking about finances and the best way to manage your money while navigating the complexity of several financial and taxation jurisdictions. I do recommend Josh.
5 stars review - AWM

Matthew – Cayman Islands

Apr 26, 2024

Great Understanding of Local…

Great Understanding of Local Regulations. I would highly recommend to anyone in Spain or Portugal.

5 stars review - AWM

Boz – Spain

Mar 26, 2024

Informative and helpful with a personnel touch

All my dealings with Josh have been informative and helpful. Both myself and my wife now use Ambient Wealth Management and have been very happy with the way they give a personnel touch.

5 stars review - AWM

Cat Grant – Spain

Mar 21, 2024

Professional And Knowledgeable. Highly Recommended!

From the minute I first spoke with Josh Williams, I felt completely at ease, he has such a professional and friendly manner. He has always been so open and transparent with every question asked, I had an instant connection and good feeling about our future business together.

Basically I knew nothing about what possibilities I had with my pensions, I had many many questions about how it all worked. Josh was not only thorough with is answers, but I can honestly say I don’t know how he had the patience for me at times, he even spoke with my father to answer his questions about my options, and even my father was impressed with Josh’s professional manner and knowledge, at such a young age.

5 stars review - AWM

Joanne Firth – Spain

Mar 21, 2024

Great Experience

I came across Josh when I was wanting to consolidate my pensions in the UK and put them into new investments. At first when I was considering this I was sceptical, as you hear all kinds of horror stories. I had a meeting with Josh and was impressed by his knowledge and enthusiasm. He put me at ease and answered all my questions which put me at rest. The transition was handled very well considering there was a pandemic going on. My trust in them and Josh is so much that I have chosen to invest further with them. I receive regular statements which shows how my investments are growing. Josh answers any queries I have and has replied to all my messages. My experience with Ambient Wealth and Josh in particular has been a positive one and have recommended other people who have also echoed my experience.

5 stars review - AWM

William – Spain

Mar 21, 2024

Will recommend without hesitation

My adviser Josh dealt with queries about my pension transfer in an efficient and professional manner, keeping me updated of the progress along the way and assisting in getting a very good exchange rate when it was time for the transfer from UK. I am very happy with his service and would thoroughly recommend him. Infact, I had been approached by two other companies but chose Josh because of the trust he instilled in me.
5 stars review - AWM

S Valkeith – Belgium

Mar 20, 2024

Everyone should have an Ambient experience

Very happy with the service I have received. Your experience with Ambient is not a one time process. It is a decision to chose what is best for you and the best people to help you in that goal. I consolidated several financial products to one single source across countries when I emigrated. The process was complex, time consuming and on occasions incredibly frustrating – all of that was why I had not attempted to move it before but had wanted to for some years. Had I had to do this without Josh, there is no doubt I would have given up and it would still be festering as it was.
5 stars review - AWM

Nick Hampton – Spain

Mar 12, 2024

First class service

I have worked with Josh for four years and I have been completely satisfied with his expert advice and honesty.

He explains things very simply and seems to have very good insight into a complicated business. I trust him totally and I am very happy with how my investments have flourished with this company.

5 stars review - AWM

Michael Ford – Finland

Mar 11, 2024

I have had great service from Josh at…

I have had great service from Josh at Ambient Wealth over the last 3 years. He has taken care of the financial planning for my future and retirement. Josh has been very professional in his approach and very thorough in getting to know my situation and needs as a client. He also worked hard and persisted through a difficult situation with my previous pension provider. Without his help I doubtless would not have managed to secure the funds which they held. He has sent me gentle reminders when I need to take action and has always been easy to get in contact with when I have needed some information. I would highly recommend his services and knowledge to anyone who may benefit from some help with their financial planning.
5 stars review - AWM

Isaac Tadeo – Spain

Mar 10, 2024

Excellent communicator …

Josh is an absolute excellent communicator. He helped me to understand finances and made the most of my investments!ith their financial planning.
5 stars review - AWM

M Montgomery – Spain

Mar 9, 2024

Easy to endorse Josh Williams!

I invested with Josh on the recommendation of friends. I’m very happy I did. I had money that I didn’t know what to do with, and after we talked, he put me at ease and was confident he’d look after me. I still feel that way. He keeps in touch and offered to be of assistance in an unrelated financial matter that I had mentioned, and wasn’t sure about. Happy to be doing business with him.

5 stars review - AWM

Gregory Stevens - United Kingdom

Mar 6, 2024

Spanish/UK Tax and Investments

I now understand tax and investment in both the UK and Spain thanks to Josh who has been brilliant at explaining the benefits and consequences of different courses of action and how to maximise my income.
5 stars review - AWM

Caroline Hall – Luxembourg

Feb 26, 2024

In good hands

Josh has been my financial adviser for several years now, and I have been very pleased with his services over that time. You feel you are in good hands with Josh – he is reliable, available, proactive in finding the best financial solutions to meet your needs, and operates with a conscientiousness that really inspires confidence. And, not least, he’s a pleasure to deal with on the phone!

I have no hesitation in recommending the services of Ambient Wealth.

5 stars review - AWM

Ian Moreton-Thickett - United Kingdom

Feb 22, 2024

Josh has been a great financial advisor…

Josh has been a great financial advisor for me, always happy to discuss options, clarify financial information, and simplify jargon. He had a no nonsense approach which is really refreshing as I’m pretty allergic to BS. Along the way he has always been available when I needed to catch up with him and been able to provide answers to my questions.

I would definitely recommend him to anyone looking to cut through the complexity of financial planning.

5 stars review - AWM

Pb Melbourne – Spain

Feb 22, 2024

Best Wealth Manager and Financial Adviser ever!

Josh Williams has been my financial adviser and wealth manager for the last six years. He expertly managed turbulent market times and periods of transition. He is very knowledgeable about retirement and fund management options, tax, and compliance with Spanish regulations for Overseas Pensions. He is patient, compassionate, with a great deal of integrity. I cannot recommend him and Ambient enough!

5 stars review - AWM

Colin Haydon – Spain

Feb 14, 2024

I would thoroughly recommend Josh

My wife and I found Josh Williams 2 years ago via an internet search for a specialist financial adviser for ex-pats living in Spain. What a lucky day that was for us, he’s given us excellent advice ever since. He’s very efficient, you never need to chase him up about anything, he’s always on the ball. I would thoroughly recommend Josh and Ambient Wealth Management without hesitation.

5 stars review - AWM

Ralph – Spain

Feb 9, 2024

Excellent Experienced Company

From the very first contact with Josh I have found him to be thorough, transparent and highly professional. He is a very knowledgeable person who has never failed to answer any questions promptly, honestly and in clear language that is easy to understand. He also takes the time to explain, what can be complex information, in a clear and concise manner and makes sure that this is fully understood. Josh is highly experienced in both the Spanish and English financial systems so understands easily what is best for the individual to match their financial requirements and to be able to recommend the most tax efficient products. From my own experience with Ambient Wealth I would not hesitate in recommending their services.
5 stars review - AWM

Oliver Davies - United Kingdom

Feb 3, 2024

Josh Williams of AWM is a professional…

Josh Williams of AWM is a professional that operates with complete integrity. He is a subject matter expert and transposes his knowledge to his clients in a structured and professional manner. Continued client retention and referals demonstrates his ability to build career long relationships that are solidified by unwavering trust.