US & UK Citizens 40+ in Malta

Financial clarity for life in Malta.

Straightforward financial, pension and insurance advice for US & UK individuals living in or moving to Malta — guided step-by-step, and backed by the PCC Network.

  • Tailored to US & UK tax and pension rules
  • Focused on people aged 40+ and preparing the next chapter
  • Based in Malta, advising under PCC Network umbrella

Fiducia Invest is part of the PCC Network, an EU-regulated financial advisory group.

Fiducia Invest
PCC Network

A simple 3-step process

We know life is already complicated enough. Our process is designed for clarity, especially if you are 40+ and managing assets in more than one country.

1

Introductory Call

A short, no-obligation online meeting to understand your financial needs, where you are now, and what you want your life in Malta to look like.

2

Personal Expat Plan

We prepare a clear written plan covering your investments, pensions and insurance, taking into account US/UK rules and Maltese regulations.

3

Implementation & Ongoing Support

If you decide to proceed, we help implement your plan, transfer or restructure portfolios where needed, and review regularly as your life in Malta evolves.

What we help you with

Focused on three main areas, always viewed through the lens of your US/UK background and Maltese residence.

Financial Planning

  • Clarifying your assets in US/UK and Malta
  • Cash flow & lifestyle planning for the next 10–20 years
  • Investment strategy aligned with your risk profile

Pensions & Retirement

  • Review of existing UK pensions or US retirement accounts
  • Options for consolidation, transfers and distributions
  • Planning tax-efficient income in Malta

Insurance & Protection

  • Life and income protection suitable for expats
  • Health and critical illness cover options
  • Family protection and legacy planning

Designed for the 40+ expat generation

Many of our clients are in their 40s, 50s or early 60s. They have worked hard, built savings and pensions abroad, and are now building a new life in Malta.

You might be a professional working in iGaming or finance, a business owner, or a couple planning to retire by the sea. Whatever the story, your finances should support it — not complicate it.

  • US & UK nationals living in Malta full-time or part-time
  • People holding assets in more than one country
  • Couples planning the transition from work to retirement

Typical questions we answer

  • How will my UK or US pension be taxed if I live in Malta?
  • Should I transfer or keep my existing pension where it is?
  • How do I invest safely from Malta while keeping flexibility?
  • Do I have the right insurance cover for my family here?

Backed by the PCC Network

Fiducia Invest operates as part of the PCC Network, a regulated European financial advisory group that works with international clients across the EU.

This means you benefit from a boutique, personalised relationship in Malta, combined with the structure, oversight and experience of a wider advisory network.

Learn more about PCC Network
PCC Network

EU-regulated financial advisory group

All advice is provided under the licensing and compliance framework of the PCC Network. Full regulatory details are available on request.

EU
Regulated
Malta
Based

Get your 3-step checklist for US & UK citizens in Malta

A short PDF that shows the key decisions to review before and after moving to Malta.

  • Aligning your financial, pension and insurance needs
  • Understanding the main cross-border points to watch
  • Preparing questions for your Introductory Call

We respect your privacy. Your information will only be used to send you the checklist.

Ready for clarity on your life in Malta?

Book an Introductory Call and we will guide you through the three simple steps.

Book Your Introductory Call

Let us know a little about your situation and we'll arrange a short, no-obligation call to discuss your financial, pension and insurance needs.

Contact Information

Location

Malta (Sliema / St. Julian's area)

What happens next?

  • We'll review your message within 1 business day
  • We'll email you to arrange a convenient time for your call
  • The call is completely no-obligation and confidential