Money in more than one country? Make it work as one plan.

Where do you stand? Tick what you have already dealt with.

Be honest. Every unticked box is a place where two countries' rules can quietly work against you.

• 1 List everything, in every country Accounts, property, pensions and debts in every currency, on one page.
• 2 Know where you are tax resident and what each country can tax Two countries can claim a right to tax the same income. Get qualified advice in each.
• 3 Check your reporting and disclosure obligations Overseas accounts and assets can trigger reporting duties even when no tax is due.
• 4 Understand your currency exposure Your future spending is in a specific currency. Exchange-rate swings can change your outcome.
• 5 Check pensions and entitlements across countries Each country's pension rules differ. Know what you will receive and what can be moved.
• 6 Plan property held in more than one country Ownership, rental income, costs and eventual sale each have their own rules and taxes.
• 7 Align your estate plans in each country Wills in different countries can conflict. A lawyer in each country should see the whole picture.
• 8 Build one plan that makes it all work together One picture, one set of priorities, and advisers working from the same page.

A checklist tells you what to ask. A plan tells you what to do.

If you left several boxes empty, that is normal, and it is the reason a written plan exists. See what a Statement of Advice looks like, or browse the other free tools.