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For UK nationals and other internationals settling life within the European Union (EU), we offer assistance with all aspects of financial planning, taking the tax laws in the country of residence as well as the country in which assets are held into consideration. The ultimate goal is to provide you and your family with better quality of life.
Cross–border tax planning is complicated and requires expertise in two countries, being your country of domicile and current tax residency. We assist with all areas of cross-border financial planning, both within in the EU and your home country.
We turn to our detailed understanding of international tax legislation and offshore investment structuring when advising our clients. We also work with some of the world’s largest institutions across multiple jurisdictions when assisting clients in the overseas relocation process.
For expatriates moving to and living in the EU, Ambient Wealth provide an extensive range of compliant financial services in the most secure and well-regulated offshore jurisdictions around the world.
The portfolio of global products and investment opportunities we have access to are with some of the world’s most trusted and renowned financial institutions that benefit from stable government structures and sound regulatory controls. This all results in higher protection and security for policyholders.
Relocating to a new country does not need to have a negative impact on your investments now or in the future once you inevitably pass away.
Want to find out more about our Relocating Overseas services? Leave us your details and we will contact you to arrange a free consultation.
We take the time to understand your circumstances, goals, and where you are living — or planning to live and any potential changes.
We review your existing investments, pensions, and potential tax exposure.
You receive clear, practical advice tailored to your situation and country of residence.
We help put the recommendations in place and act as your long-term adviser.
Your plan is reviewed to ensure it stays aligned with your life, goals, and any legislative changes.
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.
Apr 11, 2025
He is dedicated to his job, and trustworthy
Mar 18, 2025
QROPS Pension advice for expats
Mar 13, 2025
Trustorthy, focussed investment support
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.
Jan 28, 2025
Trustworthy, Knowledgeable & Professional
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.
Nov 7, 2024
His knowledge is excellent
Nov 6 , 2024
A trusted advisor
Nov 5, 2024
Great Company
Oct 6, 2024
I have known josh for a number off…
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.
Sep 16, 2024
Happy with his service
Apr 26, 2024
Great Understanding of Local…
Great Understanding of Local Regulations. I would highly recommend to anyone in Spain or Portugal.
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.
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.
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.
Mar 21, 2024
Will recommend without hesitation
Mar 20, 2024
Everyone should have an Ambient experience
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.
Mar 11, 2024
I have had great service from Josh at…
Mar 10, 2024
Excellent communicator …
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.
Mar 6, 2024
Spanish/UK Tax and Investments
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.
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.
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!
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.
Feb 9, 2024
Excellent Experienced Company
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.
