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Your pension is often your largest financial asset — and when you live abroad, how it is structured matters more than ever.
Once you become non-UK resident, tax treatment and reporting obligations can change. What worked while you were UK-resident may no longer be the most efficient structure.
At Ambient Wealth, we help expats ensure their pensions are, and remain
structured correctly for life abroad
Retirement planning is no longer just about building a pot. It is about ensuring your pension works efficiently in the country where you live — now and in the future.
We help you structure your pension so that:
At Ambient Wealth Management, we specialise in cross-border pension advice for expats living in Spain and across Europe.
We help you assess whether:
This is never one-size-fits-all advice. It is structured around your residency, tax position and long-term objectives.
Transferring a pension can be beneficial, but only where there is a clear strategic reason for doing so. We do not recommend transfers for cosmetic changes or unnecessary restructuring.
Instead, we assess:
Where a transfer adds value, we guide you through the full process — from suitability assessment to provider selection and implementation. Where it does not add value, we will explain why.
Retirement income requires careful coordination. Taking too much too early can increase tax unnecessarily, while taking too little may restrict your lifestyle.
We design structured income strategies, including:
The goal is simple: clarity, stability and flexibility.
Our pension solutions are specifically structured for expatriates. We work with well-regulated global providers and ensure your pension complements your wider financial strategy — including your investment portfolio, Spanish tax position and estate planning objectives.
Retirement planning does not sit in isolation; it forms part of your entire financial life.
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 pensions and retirement plans.
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.
Simon Evitts
UK Expat
| Working in Spain
They’ll lay out the options available, recommend good solutions and provide professional support right through the process.
Thomas Quillin
UK Expat
| Working in Finland
I’ve been wary of financial advisors in the past, Josh is the only one I’ve recommended to friends.
Lisa & Michael Russell
Lump Sum Investment & Pension
| Retired in Andalucía
Josh is always there when we need advice and he managed to reclaim a long lost pension that was owed to us, we are very grateful.
Gillian Elsbury
UK Expat
| Retired in Spain
I’m a single lady who struggles with technology and Josh boosted my confidence and guided me every step of the way with my UK pension transfer.
Ari Kiviniemi
UK Pension Transfer
| Retired in Madrid
Josh made moving my company pension fund in the UK to a UK based SIPP smooth and painless.
Johanna Geerdts
Lump Sum Investment
| Retired in Andalucía
He goes the extra mile for his clients, even outside the scope of what his company does.
Maria Konidari
UK Pension Transfer
| Working in Barcelona
Josh provides information without pressure, allowing you to choose what’s right for your circumstances. His professionalism and genuine care for clients make him someone I highly recommend for anyone seeking financial guidance.
Noreen and David Bramley
Lump Sum Investment
| Retired in Malaga
Josh is knowledgable within his field providing me with client led, understandable choices about investment. A very professional delivery and I am happy to know I can contact him anytime besides our planned meetings.
Peter Steadman
UK National
| Working in Barcelona
Josh and Ambient have shown customer focused approach to finding appropriate solutions – not just short term and quick, but the correct solution for each circumstance.
Marie Bates
Lump Sum Investment
| Retired in Alicante
Ambient are 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.
Sean Baker
UK National
| Retired in Spain
The approach is based on giving information without pressure to allow you to make the right decision for your individual circumstance.
Spencer Keeble
UK National
| Retired in Madrid
Josh 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. The investment choices have been sound.
Eduardo De Leite
Lump Sum Investment
| Living in Spain
Knowledge, experience and transparency drive trust and good decisions. Josh & Ambient are being fundamental to help us save for the future.
Vishal Kher
British National
| UK Pension Transfer
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.
David Collingwood
British National
| Retired in Galicia
On my regular discussions with Josh he explains all of the current and prospects of my portfolio’s, making it simple to understand. The changes he proposed last year are all in positive numbers, which is not always the case with other companies wealth managers.
Gaynor Haydon
Pension Transfer
| Retired in Tenerife
His knowledge is excellent and his advice has always proved correct. I would recommend him without hesitation.
Diane Wood
UK National
| Living in Alicante
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.
Sydney McLaughlin
UK National
| Retired in Malaga
I have known Josh for a number of years. The most important thing is that I 100% trust him. He is so helpful, makes everything easy for me to understand. He has also had time to help me outside of work. Top man.
Amanda Gibbs & Andrew Barker
UK Nationals
| Retired in Galicia
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.
Dolores Córtes-McPherson
U.S./Spain National
Josh is reliable, knowledgeable and innovative. He goes the extra mile 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.
Paul & Lesley Boswell
UK Nationals
| Retired in Alicante
Both myself and my wife now use Ambient Wealth Management and have been very happy with the way they give a personnel touch.
Catriona Grant
UK National
| Living in Andalucía
I knew nothing about what possibilities I had with my pensions, I had many many questions about how it all worked. Naturally, the pension process is not a quick process, but I was constantly updated on anything and he even got me compensation money from the UK pension scheme because of their delay in the processing.
Joanne Firth
British National
| Living in Malaga
I came across Josh when I was wanting to consolidate my pensions in the UK and put them into new investments. 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.
William Trower
Pension Transfer & Investment
| Retired in Granada
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. In fact, I had been approached by two other companies but chose Josh because of the trust he instilled in me.
Seraphine Valkeith
UK Pension Transfer
| Working in Belgium/Holland
I consolidated several financial products to one single source across countries when I emigrated. The process was complex & time consuming but Josh’s ability to translate difficult questionnaires, make me aware of the purpose and intention of documents and conversations was invaluable. He alleviated any concerns I had. Everyone should have a ”Josh” and I will continue to work with him and his team as far into the future as I can.
Nick Hampton
Lump Sum Investment
| Retired in Spain
I have been completely satisfied with Josh’s expert advice and honesty. He explains things simply and has very good insight into a complicated business. I am very happy with how my investments have flourished with this company.
Michael Ford
UK National
| Working in Finland
Josh has taken care of the financial planning for my future and retirement. 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.
Isaac Tadeo
Spanish National
| Retired in Canary Islands
Josh is an absolute excellent communicator. He helped me to understand finances and made the most of my investments.
Monty Montgomery
British National
| Retired in Granada
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.
Gregory Stevens
British National
| Retired in Spain
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.
Caroline Hall
British National
| Retired in Luxembourg
Josh has been my financial adviser for several years now, and I have been very pleased with his services over that time. He is reliable, available, proactive in finding the best financial solutions to meet your needs and operates with a conscientiousness that really inspires confidence.
Ian Moreton-Thickett
British National
| Living in Valencia
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. I would definitely recommend him to anyone looking to cut through the complexity of financial planning.
Paula Melbourne
Canadian/UK National
| Living in Malaga
Josh 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.
Colin Haydon
UK National
| Living in Tenerife
My wife and I found Josh Williams via an internet search for a specialist financial adviser for Expats 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 without hesitation.
Ralph Timmins
UK National
| Living in Spain
Josh 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.
Andrew Ward
UK National
| Living in Barcelona
The experience with this company is top drawer. Trust and honesty is key with your finances and the company helps in all aspects of the different processes and transparency is 100%. Listening to your needs is also important and they understand that my needs change as I get older and my family needs changes.
Luke Goodwin
UK National
| Living in Portugal
We now have a clear picture of our future, and are organised correctly for tax reasons, with investment growth being very good also!
