Independent Wealth Management · 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 help you close it, starting with a Cross-Border Money Map. Independent, transparent, and on your side of the table.

Book a 30-Minute Call Start with the free Money Map →
Rory Phillips, independent financial planner, Cape Town

“I built this for international investors who want advice they can actually check — independent, transparent, and genuinely on their side.”

$100k+
Lump-sum mandates
6,000+
LinkedIn followers
30 min
Free intro call
About Rory →

How I can help

Two sides of one plan

Primary focus

Offshore Investing

Lump sums from $100k, savings plans from $500/month, offshore diversification and UK pension planning — wherever you're based.

Explore offshore investing →

South Africa

Onshore Solutions

Retirement annuities, tax-free savings, local investment portfolios and protection cover for residents and investors putting down roots here.

Explore onshore solutions →

How it works

A calm, three-step start

No pressure and no products at the first meeting — just a proper look at where you stand.

01

A 30-minute introductory call

We talk through your situation — where your money is, where your life is going — and whether I'm the right fit. No obligation.

02

A written plan built around you

A proposal matched to your goals, currencies and timeline — with every cost shown in one place, in writing.

03

Implementation and review

Your plan is put in place and reviewed as your circumstances change — independent of any single provider.

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.

Take the 60-second quiz →

See growth over time

A simple illustrator for how disciplined saving adds up over years, at different contribution levels.

Try the savings growth illustrator →

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

All articles →

UK Pensions

What Happens to Your UK Pension When You Move to South Africa

Why it can't transfer here — and what's actually within your control instead.

Read article →

Offshore

What "Offshore" Actually Means (and Doesn't)

Is it legal? Is it hiding money? The word stripped of its mystique.

Read article →

Onshore

Retirement Annuity vs. Tax-Free Savings Account

They're not competing for the same job — what each is for.

Read article →

Get in touch

Not ready to book?

Send a message and I'll come back to you to arrange a time to speak — in person in Cape Town or by video call. Prefer to just talk? Book a call directly →

Email rory@roryphillipswealth.com

No obligation, no spam — I read and reply to every message myself.

Thirty minutes could change how your money works for the next decade.

Book a 30-Minute Call