Independent Financial Planner · Cross-Border & Offshore
Your money crosses borders. Most advice doesn’t.
When your life spans two countries, your money hits a translation gap: two tax systems, two currencies, two rulebooks that don’t line up. I write the plain-English guides that help you close it, starting with the free Cross-Border Money Map. Independent and transparent.
“I built this for international investors who want information they can actually check: independent, transparent, and written in plain English.”
What I cover
Two sides of one plan
Primary focus
Offshore Investing
Lump-sum investing, regular savings plans, offshore diversification and UK pension questions, explained wherever you're based.
South Africa
Onshore Solutions
Retirement annuities, tax-free savings, local investment portfolios and protection cover for residents and investors putting down roots in South Africa.
How it works
A calm, three-step start
No pressure and no products: just a general conversation about where to start.
A 30-minute introductory call
We talk generally about what you want to understand and how your life crosses borders, so I can point you to the right guides. General information only. No obligation.
A clear picture of your own money
You use the free Cross-Border Money Map and guides to lay out where your money sits, in which currency, under which tax system, and what it is for.
Questions for a qualified professional
You leave knowing what to ask, and what to check, when you take your own situation to a qualified professional in the right country.
Not ready to talk?
Two ways to explore first
Which side fits you?
A 60-second set of questions to point you toward offshore, onshore, or a mix of both.
See growth over time
A simple illustrator for how disciplined saving adds up over years, at different contribution levels.
Free Guides
Five plain-English guides for life across borders.
Cross-border tax residency, UK pensions abroad, estate planning across two countries, currency risk, and tax-efficient investing in South Africa: educational, jargon-free, and free to download.
Browse the guides →Writing
Straight talk on offshore money
UK Pensions
What Happens to Your UK Pension When You Move to South Africa
Why it can't transfer to South Africa, and what's actually within your control instead.
Offshore
What "Offshore" Actually Means (and Doesn't)
Is it legal? Is it hiding money? The word stripped of its mystique.
Onshore
Retirement Annuity vs. Tax-Free Savings Account
They're not competing for the same job: what each is for.
Get in touch
Not ready to book?
Send a message and I'll come back to you to arrange a time to speak by video call. Prefer to just talk? Book a call directly →