Personalised Wealth Strategies
One joined-up plan across every country you hold assets in — your goals first, products last, reviewed as your life changes.
A personalised wealth strategy is one written plan covering every country where you have assets, income or family. We put everything you own and owe — savings, income, pensions, insurance policies, companies and debts — into one picture, then work out the cash flow and tax effect of the decisions in front of you: moving country, selling a business, retiring, paying school fees, or passing money down.
Products come last. Most people who live across borders arrive with a collection of accounts, wrappers and policies bought in different countries at different times, none designed to work together. We start from your goals, the currencies you need and where you live, and only then decide which existing arrangements to keep, change or close.
What you get is a document, not a sales pitch. Every recommendation comes with the reasons for it, what it costs in total, how it's taxed where you live, and what would make us change it. Any payment we receive from a product is disclosed before anything is done, and ongoing commissions are passed back in your favour.
What we do for you
- Cash flow modelled across countries
- Takes your currencies and home country into account
- Reviewed in writing every year
Who usually uses this
- Expats and people who move for work, with assets in two or more countries
- Business owners planning for a future sale or how to pay themselves
- Families moving country who need their plan re-checked against new tax rules
- People holding old offshore bonds, pensions and policies that were never joined up
One team, step by step, from the first call to handing it over.
Your goals, timelines, currencies, family situation and attitude to risk, written down by our team.
Every asset, pension, policy, company and debt brought together into one list across countries.
Your cash flow modelled up to and through retirement, with the options compared in writing on cost, tax and flexibility.
Agreed actions carried out through independent regulated firms, then re-checked every year.
What you receive.
Every engagement closes with a specialist-reviewed handover pack — retained on file for thirty years.
- One list of everything you own and owe, across countries
- A written strategy with modelled scenarios
- Cash flow and currency projections up to and through retirement
- Recommended actions, with costs, tax treatment and trade-offs
- A yearly review and updated paperwork
The countries we most often use for this service.
Questions we hear on every intake call.
- How is this different from what a bank offers?
- A bank starts with its own products. We start with your goals and end with whichever independent manager, platform or insurer suits them — including options that pay us nothing.
- Do I have to move my existing investments?
- No. Part of the review is deciding what to leave alone. Exit costs, tax on selling and any guarantees you'd lose are all weighed up before we recommend changing anything.
- What if I move country again?
- We expect it. The plan notes which recommendations depend on where you live, so when you move we re-check just those, rather than starting again.
- How are you paid?
- Through the products used, rather than a fixed or hourly fee. Product charges, any payments to us and the total cost are all disclosed before anything is done.
Start with a twenty-minute call. Come away with a written plan and price.
Every engagement begins with our advisory team and is assigned to the relevant specialists. Fees are quoted in writing before any work begins. No hourly billing.
More on wealth & related work
Asset & Portfolio Management
Investment portfolios run by independent managers, either for you or with your sign-off — in several currencies, with all costs and any adviser payments disclosed.
Retirement Planning
Retirement planning for people whose pensions, employers and tax residence are spread across several countries.
UK Pension Transfers (SIPP / QROPS)
For people living outside the UK: should your UK pension stay where it is, move to a SIPP, or transfer to a QROPS (an overseas pension scheme)? We write down the trade-offs.
Every engagement begins with a twenty-minute advisory call. The fee is in writing before any work begins. No hourly billing.