Montfort

What Montfort does

Montfort International Limited is a UK-based independent financial advisory firm founded in 1995 by Geraint Davies, headquartered in Albury, Guildford, Surrey. The firm specialises exclusively in cross-border financial planning for expatriates, returning nationals, and foreign nationals based in the UK, with deep historical roots in the UK-Australia corridor (its founder began his career in Perth in 1982). Montfort is FCA-regulated (reference 181199) and employs between 11 and 50 staff, including qualified advisers, paraplanners, a pension transfer specialist, and an Australian-chartered international tax consultant, supplemented by an offshore technical team via Consenta Insourcing.

The firm's core product set comprises Global Financial Planning, Retirement Planning, Pensions (with specialist QROPS expertise), Tax Planning, and a proprietary FISIC (Financially Impacted by Some International Checkpoints) assessment used to qualify complex cross-border cases. A separate corporate division, Montfort Consult, serves pension trustees, actuaries, CFOs, and corporate sponsors with overseas scheme members. Service delivery is high-touch and field-sales-led: initial enquiries convert to one-to-one consultations at the Surrey office or via Skype/Zoom, followed by bespoke planning reports, implementation support, and ongoing review. Back-office operations run on the third-party Intelliflo Office platform; there is no proprietary technology product or AI component.

Montfort's revenue model combines three streams: upfront fees for the financial planning report (priced by complexity, not outcome), implementation fees charged as a percentage of funds under advice, and recurring ongoing-servicing fees also based on a percentage of funds. Channels include direct consultation, referrals from UK independent financial advisers who outsource cross-border complexity, and Montfort Consult's corporate outreach. The firm was a co-developer of the QROPS framework with HMRC in 2006 and was consulted by the Australian Senate in 2002, providing it with category-defining regulatory authority in UK cross-border pension transfers.

Name

Montfort

Legal name

Montfort International Limited

Website

https://montfort-intl.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

Montfort International is a UK-based independent financial advisory firm specialising in cross-border financial planning for expatriates, returning nationals, and HNW individuals, offering pensions, tax, and retirement advice with regulatory authority from co-developing the QROPS framework.

Ownership category

akta.pro rank

Product category

Cross-Border Financial Advisory Services

NAICS

Credit Intermediation and Related Activities (522)

SIC

Finance Services (6199)

akta.pro primary industry

Independent Broker-Dealers (Retail Network) (FSAAAAAC)

Keywords

• Cross-border financial planning
• Expatriate financial advice
• Pension transfer services
• Retirement planning advisory
• Tax-efficient wealth management

Headquarters

HQ city

Albury

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Financial Planning Report Fees: Montfort charges an upfront fee for a financial planning report, agreed in advance with the client. The cost depends on the complexity and work involved, not the outcome of the advice.
2. Implementation Fees: If a client requests implementation of the advice in the report, Montfort charges an implementation fee which is a percentage of the fund.
3. Ongoing Servicing: For clients requiring ongoing servicing, Montfort charges a percentage based on the level of servicing required.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Montfort is an independent financial advisory firm that provides holistic, whole-of-market financial planning services to UK expatriates, returning nationals, and foreign nationals resident in the UK. Its core services include global financial planning, retirement planning, pension transfer advice (including QROPS), and tax-efficient planning, delivered through qualified advisers and a proprietary FISIC assessment methodology for identifying cross-border financial complexity.

Product overview

Montfort is an independent financial advisory firm (not a technology/SaaS company) offering a portfolio of financial planning services centered on expatriate and cross-border financial advice. The core offerings include Global Financial Planning, Retirement Planning, Pensions (with QROPS expertise), Tax Planning, and a proprietary FISIC Assessment tool. The firm also operates Montfort Consult as a corporate sub-brand serving pension trustees and schemes. The services are delivered through qualified financial advisers and paraplanners based in the UK, with no technology platform or software product.

Differentiator

Problem solved

Functional benefit

Products and services

• Global Financial Planning A comprehensive holistic financial planning service that assesses all aspects of client circumstances, goals, aims, and risk tolerance, providing detailed personal financial planning reports and tailored recommendations for expatriates and migrants.
• Retirement Planning Specialist retirement planning service that helps clients align their retirement goals with financial security, providing advice on maximising income and structuring retirement to meet individual aspirations.
• Pensions Specialist pension advisory service covering pension analysis, restructuring before departure, transfer advice, and guidance on UK pension freedom options. Includes advice on Qualifying Recognised Overseas Pension Schemes (QROPS).
• Tax Planning Tax-efficient financial advice for emigrants, covering HMRC rules around Recognised Overseas Pension Schemes (ROPS), pension age implications, permitted investments, and overseas tax implications.
• Montfort Consult Corporate division providing specialist support to pension schemes and trustees on complexities faced by overseas members, including working with companies, trustees, actuaries, CFOs and corporate sponsors.
• Independent Financial Adviser (IFA) Support Outsourced cross-border financial planning services for UK advisers, complementing their services with expertise in pension rules, tax laws, foreign exchange and wealth transfer processes for clients moving internationally.

Quantifiable outcome

• Helped develop QROPS scheme in 2006 - now a standard pension transfer vehicle for expatriates
• +1 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Six partnerships are on record, tiered core and minor.

• Montfort ConsultcoreStrategic or Co-development PartnerMontfort Consult is the corporate division of Montfort brand developed to provide support to pension schemes and trustees on complexities faced by their overseas members. Working with companies, trustees, actuaries, CFOs and corporate sponsors.
• Jeff Bowman (International Tax Consultant)coreOthersAustralian chartered accountant based in UK since 1987 with over 25 years of tax experience. Provides specialist expertise on interaction between UK and overseas tax systems for complex cases.
• Trusted Financial Advisers in Destination CountriesminorChannel Partner/ Reseller/ DistributorMontfort can help find trusted financial advisers in the new country of residence to enable smooth transitions for UK adviser-referred clients.
• HMRCcoreOthersMontfort worked closely with HMRC to develop structure for pensions migration. Geraint Davies provided technical expertise and input as HMRC first developed QROPS in 2006.
• Australian SenateminorOthersIn May 2002, Montfort was appointed by the Australian Senate as a Consultant for its views on UK pension transfers to Australia.
• Consenta InsourcingminorImplementation/ SI/ Consulting PartnerRadha Gajjar and Nirali Mehta support Montfort as part of the extended technical team through Consenta Insourcing collaboration, delivering technical reports and research.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Blevins Franks: Long-established UK-headquartered IFA firm specialising in cross-border financial planning and tax advice for British expatriates, primarily in Europe and Asia. Most directly comparable peer given overlapping expatriate/HNW focus, pension transfer and QROPS expertise, and similar fee model.
• Hoxton Capital Management: UK-based wealth management firm focused on expatriate and internationally-mobile clients, offering cross-border tax, pension and investment advice. Comparable to Montfort in its HNW expatriate target market and multi-jurisdictional advisory proposition.

Broad incumbents

• St. James's Place: One of the largest UK wealth management groups with a national adviser network serving mass-affluent and HNW clients. Overlaps with Montfort in UK personal financial advice and pension/investment services but operates at much greater scale and breadth rather than expat specialism.
• Quilter: Major UK wealth manager with a national adviser network providing investment, pension and financial planning services. Comparable to Montfort in core wealth advisory activities but serves a much broader UK retail client base rather than specialising in cross-border expat advice.
• Evelyn Partners: Large UK wealth management and professional services firm (formerly Tilney) offering investment management, financial planning and tax services to HNW individuals. Overlaps with Montfort's holistic financial planning and tax proposition but at substantially greater scale and without the cross-border expat niche.
• Chase de Vere: Established UK national IFA firm providing independent financial advice on pensions, investments and tax planning to individuals and businesses. Comparable in independent advice and pension specialism, though it lacks Montfort's dedicated cross-border expat focus.
• Schroders Personal Wealth: UK personal financial planning business backed by Schroders, providing advice-led wealth management to mass-affluent and HNW clients. Comparable to Montfort in advisor-led wealth and pension services but operates as a scaled, mainstream UK brand rather than a cross-border specialist.
• True Potential: UK wealth management and investment platform serving retail clients through a national adviser network. Comparable to Montfort in providing financial advice to UK individuals, but operates a technology-enabled hybrid advice model rather than Montfort's purely advisor-led, cross-border specialism.
• AJ Bell: UK investment platform and SIPP/SSAS provider offering pensions, investments and financial advice through a national adviser network. Overlaps with Montfort in UK pension advisory and platform administration but is platform-led and serves a broader UK retail market.
• Rathbones Group: Long-established UK wealth manager providing discretionary investment management and financial planning to HNW individuals and intermediaries. Comparable to Montfort in HNW financial planning and pension expertise, though operating at much larger scale across the UK rather than specialising in expat advice.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/MontfortIntl
• Facebookfacebook.com/MontfortIntl

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Montfort