Equus Legacy | UK Expat Financial Planning & Pension Advice

UK Pensions. Cross-Border Planning. A Secure Life Abroad.

No apps. No algorithms. Just actual advice — from people who understand expat life.

Our Philosophy

Financial Clarity for Life Abroad

Equus Legacy is what happens when you strip away the corporate wealth management machine and get back to what actually matters: a real conversation with someone who knows their stuff. We're not "award-winning" and we don't have an app. We help UK nationals and internationally mobile professionals — teachers, engineers, consultants, business owners, and their families — make sense of money when home is no longer where you live.

We specialise in personal financial planning for expatriates: UK pension advice (including QROPS and non-resident considerations), retirement planning, savings and investments, succession and inheritance planning, and the protection cover you need abroad. Whether you're in Spain, Portugal, Italy, the UAE, Southeast Asia, or anywhere else, we help you build a secure financial life without the jargon.

We're not a robo-adviser. We're not a sales funnel. We're not trying to scale to 10,000 clients. We work with expats who want straightforward, qualified advice — and we also support higher-net-worth clients and families with more complex cross-border needs.

Pension & Tax Expertise

20+

Years Combined Experience

Global

Cross-Border

100%

Independent Advice

Leadership

Advisers Who Understand Life Abroad

Equus Legacy brings together deep UK financial planning expertise and international offshore experience. Our founders have spent decades advising clients face to face — from high street banking to private client advisory — and now focus on helping expatriates plan with confidence, in plain English.

Vasilica Babeiu

Co-Founder & Managing Partner

Vasilica brings over 20 years of UK financial services experience advising professionals, business owners, and families on personal and business protection, retirement planning, succession planning, and long-term financial resilience. A former NatWest branch leader in London and currently a Private Client Adviser, she combines relationship-led client care with practical guidance on pensions, estate planning, and the protection needs of clients living and working abroad.

Daniel van Niekerk

Co-Founder & Chief Training Officer

Daniel brings broad experience across international financial advisory, business development, and recruitment in Africa, Asia, the Middle East, and Latin America. He has advised expatriates and international clients on cross-border planning, UK pension and QROPS matters, and offshore wealth strategies, while also helping advisers and firms grow through marketing, training, and market development.

What We Do

Financial Planning for Expat Life

Practical, independent advice for UK nationals and internationally mobile professionals living abroad — from everyday savings and investments to pensions, retirement income, family protection, and planning for the next generation.

Expatriate Financial Planning

Day-to-day financial planning for life abroad — budgeting, building savings, investing for the future, managing currency exposure, and making confident decisions when your finances span more than one country.

Legacy & Succession Planning

Planning ahead for your family — inheritance, wills, trusts, and passing wealth to the next generation when assets and beneficiaries sit in different countries. Sensible structures, clearly explained.

Retirement & UK Pensions

Advice on retirement income, UK pension transfers, QROPS and cross-border pension planning for expats who want clarity, flexibility and protection for the next phase of life.

Part of the Plan

Protection That Works Abroad

Good financial planning includes making sure you and your family are covered. Domestic UK policies often stop or reduce cover once you move overseas — we help you find portable, internationally recognised protection that fits alongside your pension, savings, and long-term plans.

Core Cover

International Health & Medical

Private medical insurance for expats living abroad long term — hospital treatment, specialists, maternity, mental health, and emergency evacuation. Not the same as short-trip travel insurance, which is designed for holidays rather than residency.

Family Protection

Life & Critical Illness

Life cover for expats with dependents, a mortgage, or financial obligations in the UK or abroad. Includes critical illness cover so your family has liquidity if something unexpected happens — structured to remain valid across borders.

Income Security

Disability & Income Protection

Income protection if you cannot work due to illness or injury while living abroad. Most UK policies end when you become a non-resident — specialist expat plans use portable definitions and can pay benefits worldwide.

Peace of Mind

Travel & Emergency Assistance

Cover for trips back to the UK, family visits, and emergencies while travelling — including medical evacuation and crisis assistance. Useful for expats who move between countries or maintain ties in multiple places.

Assets & Liability

Property & Personal Liability

Home and contents insurance for your overseas home, plus cover for a UK property you rent out or leave vacant. Personal liability protection where local legal systems and claim standards differ from what you are used to at home.

Our Approach

How We Work With You

A straightforward, relationship-led process — from your first conversation through to ongoing reviews as your life abroad evolves.

Discovery & Alignment

We start with your situation — where you live, your UK and local tax residency, income, pensions, family, and what you want your money to achieve short term and long term.

Strategic Planning

A clear plan covering savings, investments, retirement income, tax-efficient structuring, and family protection — coordinated with your solicitor or accountant where that helps.

III

Ongoing Partnership

Regular reviews and proactive guidance as rules change, markets move, and your circumstances shift — with direct access to your adviser, not a call centre.

Get in Touch

Start a Conversation

Pick up the phone. Send an email. Come for coffee. The way people used to do business before it became a "customer journey." No obligation — just a conversation about whether we can help.

Phone +44 7871 123456
UK London · By appointment
Panama David · By appointment

Equus Legacy operates as an independent financial advisory firm. Advice is provided in accordance with applicable regulatory requirements in each jurisdiction. UK pension and investment services are offered through appropriately authorised and regulated partners where required.