For Expats in Saudi Arabia
Financial planning made simple.
Cross-border retirement plans, education plans and investment plans — clear and jargon-free.
Based in Riyadh
Built for expats
Free first consultation
Portable, cross-border plans
Cross-border retirement plans, education plans and investment plans — clear and jargon-free.
Expat finances are messy: pensions in one country, income in another, retirement plans in a third. We simplify all of it into one clear plan.
Know your number, build towards it tax-efficiently, and retire on your terms — wherever in the world that is.
Learn moreAccess global markets with diversified, risk-matched portfolios built around your goals and timeline.
Learn moreA complete roadmap for your money — savings, protection, education fees and everything in between.
Learn moreOngoing management to grow and protect what you've built, reviewed as your life and the markets change.
Learn moreLife cover and income protection that follows you across borders — because everything else in the plan depends on it.
Learn moreUnderstand your UK pensions from Saudi — state pension forecasts, old workplace schemes and transfer options.
Learn moreResidency and citizenship by investment — more freedom, security and options for you and your family.
Ask VincentUK and international real estate opportunities, from completed buy-to-lets to off-plan — integrated into your wider plan.
Ask VincentKnow what your end-of-service benefit is really worth, when to take it and where it fits in the bigger picture.
Learn moreMost expats in Saudi Arabia know they should be doing more with their money. The problem isn't motivation — it's noise. Conflicting advice, complicated products, advisers who disappear after the first sale.
Only Plans was built to be the opposite: one dedicated planner, plain English, and plans simple enough to explain to your family over dinner. That's the whole idea behind Expat Finances, Simplified.
Meet Vincent Wilson
The plan is for them
The Kingdom is building its future at astonishing speed. The expats who thrive here do the same with their money — deliberately, and while the window is open.
Start your planA free, relaxed conversation about where you are and where you want to get to. No forms, no pressure.
A personal plan covering retirement, investments and protection — with the numbers made simple.
We put the plan into action together, step by step, at a pace you're comfortable with.
Life changes. Markets move. Your plan gets reviewed regularly so it never goes stale.
Practical guides for expats in the Kingdom — retirement, investing and cross-border money, simplified.
RetirementWhy your Saudi years are the best retirement opportunity you'll ever get — and how to use them.
EOSBEOSB feels like a retirement fund. It isn't. Here's how it really works and how to plan around it.
InvestingFrom your first SAR 1,000 to a global portfolio — a beginner's roadmap for investing from the Kingdom.
Only Plans offers retirement planning for expats across Saudi Arabia, including Riyadh, Jeddah and Dammam. Founded by financial planner Vincent Wilson, Only Plans helps expatriates build tax-efficient retirement savings, review existing pensions and turn high tax-free Saudi earnings into long-term financial security. Initial consultations are free.
Only Plans is a Riyadh-based financial planning service built specifically for expats. It focuses on retirement planning, investments and cross-border financial advice for professionals working in Saudi Arabia, with a free initial consultation and ongoing reviews.
Saudi Arabia does not levy personal income tax on employment earnings, which makes it one of the most powerful places in the world to save and invest. However, your home country's rules may still apply to pensions, property and investments — that is exactly what a cross-border financial plan addresses.
Your first consultation is completely free and carries no obligation. If we go on to work together, all costs are explained clearly and agreed in writing before anything is implemented — no surprises, no hidden fees.
Yes. Everything we build is designed to be portable, so your investments and retirement savings move with you whether you relocate to Dubai, return home or retire somewhere new entirely.
*Retirement Living Standards research on retirement readiness.
Thirty minutes, zero jargon, zero obligation. Tell us where you want to end up and we'll show you the simplest route there.