Our Services
Specialist Financial Solutions for Expats
At OpesFidelio Cyprus, we provide a comprehensive range of financial products and services designed specifically for expatriates. Whether you are planning your retirement, managing investments, protecting your family, or navigating international tax considerations, our advice is tailored to your cross-border lifestyle. With fully regulated, fee-based guidance, we aim to simplify complex decisions and help you build a secure financial future, wherever life takes you.
We offer a broad suite of services tailored to expatriate needs:
Pensions
Whether you are looking to consolidate pensions from the UK or ensure portability across borders, we provide guidance on QROPS (Qualifying Recognised Overseas Pension Schemes), International SIPPs, and other EU-compliant pension solutions. Our advice is designed to help reduce tax exposure and improve long-term retirement outcomes.
Investments
Our investment strategies are built around personalised risk assessments, ethical preferences, and multi-currency options. We offer professionally managed portfolios denominated in Euro, USD, and GBP. Portfolios can be structured for capital growth, income generation, or a balanced combination, with options for both passive and active investment styles. For investment in Cyprus, we refer to our MiFID-regulated company Aisa International s.r.o., ID 28224981. All of the OpesFidelio Cyprus directors have successfully passed the CySEC advance examination
Insurances
We help clients secure peace of mind with bespoke insurance packages including international medical insurance, immigration medical insurance critical illness (dread disease) cover, life insurance savings plans and pensions, term assurance and income protection. All our recommendations are designed with portability in mind, ensuring coverage is valid across jurisdictions and adapted to the unique needs of expatriates.
Savings Plans
For those building wealth or saving for specific goals, we offer regular premium savings plans that make use of cost-averaging in Pound or Euro denominations. These plans can be linked to life assurance wrappers, providing potential tax advantages and investment growth in a structured, disciplined format. Ideal for those looking to save towards children’s education, property purchases, or future financial independence.
UK Inheritance Tax for Expats
Even if you reside in Cyprus, your estate may still be liable to UK Inheritance Tax (IHT). Many expatriates mistakenly believe they are no longer subject to UK tax laws, but domicile status – not just residency – determines IHT liability.
Assess Domicile Status
Understanding whether you remain domiciled in the UK is crucial. If you have strong ties to the UK, you may still be considered UK-domiciled for IHT purposes. We can help you establish your domicile status and explore options for change where appropriate.
Structure Assets Efficiently
Holding assets in the right structure – such as offshore bonds, investment wrappers, or joint ownership – can have a significant impact on how your estate is treated for IHT. Strategic planning can reduce exposure while still maintaining access and control.
Use Trusts and Tax-Wrappers
Trusts can play a key role in mitigating IHT. When properly established and maintained, they can help preserve wealth for future generations while reducing the tax burden. We advise on trust suitability and work with UK-qualified legal professionals as needed.
Let’s Start With a Conversation
Contact us for a no-obligation consultation to explore how we can support your financial wellbeing.