Who are we ?

Discover the British expat behind UK Returners

About Chris

I’m Christopher Wicks, Chartered Financial Planner at Peregrine & Black.

I am an independent, UK-regulated financial planner with over 40 years’ experience helping individuals and families make confident, well-informed financial decisions at important points in their lives.

My work is firmly planning-led. I believe good financial advice starts with understanding what really matters to you — your family, your lifestyle, your values and your long-term goals — before discussing products or investments. Many of my clients come to me not because they want to “beat the market”, but because they want clarity, reassurance and a trusted professional to help them navigate complexity.

About Lucy

I’m Lucy Wicks, a UK-regulated Financial Planner helping professionals build financial freedom

Having lived and worked abroad myself, I understand the complexities of moving home and provide advice that is both technically robust and genuinely empathetic.

I take a full-picture approach, creating clear, joined-up strategies aligned to your values—no noise, just thoughtful, disciplined advice you can feel confident in.

Who I Work With

For those who value clarity, continuity and a collaborative advising relationship

I advise a broad mix of UK-based and internationally connected clients, typically aged 45–75, including professionals, business owners and retirees. Most have accumulated significant wealth over time and are now focused on questions such as:

Will my money last?
Am I paying more tax than I need to?
Can I retire (or stay retired) with confidence?
How should I pass wealth to the next generation?
Am I making the right decisions at a major life transition?

I also work with widows, bereaved families and clients going through divorce, business exits or retirement — situations that require a sensitive, calm and unpressured approach, not salesmanship.

What is my expertise

Holistic Advice for complex lives – onshore and returning home

Expat returnees are a genuine specialism of mine, but they sit alongside a substantial domestic client base. The common thread is complexity — not geography.

Areas of Specialism

While my advice is always holistic, I have particular expertise in:

Retirement planning and sustainable income strategies
Investment planning, with a strong focus on risk management and suitability
Inheritance tax and estate planning, including inter-generational wealth planning
Regulated pension transfer advice, where appropriate and in clients’ best interests
Expat returnee planning, helping clients re-establish themselves in the UK after time overseas

Second Opinions and Trust-Based Advice

Many new clients start with my Second-Opinion Financial Planning Service.

This is designed for people who want reassurance or clarity rather than an immediate commitment. I review existing arrangements, identify strengths and weaknesses, and explain — in plain English — whether things are on track and what, if anything, could be improved.

There is no pressure to proceed further. In some cases, I confirm that a client’s current arrangements are perfectly appropriate; in others, I explain how I could help and allow clients to decide in their own time.

What my clients think of me

Testimonials

Real feedback from clients I’ve had the privilege to advise — in their own words.

“Chris has provided great advice that has yielded good returns . His service is second to none – always gives a swift response and action whenever needed .”

Investment advice

“I don’t think Chris have done anything better. His responses are always immediate, his advice is thorough an easy to understand and he is very helpful and friendly.”

Pension dispute settlement

“I have found every aspect of his advice service invaluable at a very vulnerable time in my life.”

Widowhood

How I Work

From Discovery to Review – A calm, evidence-based way of making financial choices

Clients value my advice because it is:

Independent and objective
Clear, honest and jargon-free
Focused on long-term outcomes rather than short-term noise
Delivered as a long-term professional relationship, not a transaction

I am selective about who I work with and typically advise households with more complex needs. In return, clients receive a highly personal service and continuity of advice over many years — often across generations.

If you are looking for thoughtful, professional financial planning — particularly at a point of change — I would be very happy to have an initial conversation.

Book a 20-Minute Return Readiness Call

Perfect if you are returning within the next 3–12 months and want clarity on tax, timing, pensions, offshore assets or UK re-entry logistics.

This call is simply a conversation—no pressure, no obligation.

Most clients say the call helped clarify their next steps.

Book Your Call →