A printable framework
The Cross-Border Money Map
Money doesn’t cross borders cleanly. The Money Map lays each pot of money out against five plain questions (country, currency, tax, purpose and access), which makes the gaps easier to see.
Free Guides
Clear thinking for life across borders.
Plain-English guides to the money questions that come with a life in South Africa, whether you moved from the UK or have always lived here. Educational only, no jargon and no numbers to memorise. Enter your email and I'll send the PDF straight over.
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Start here · 2-minute checklist
The Expat’s Pension Red-Flag Checklist
Seven warning signs in a “pension opportunity”, and the checks worth making before anything is agreed.
Protect yourself
How to Vet a Financial Adviser
How to check who regulates an adviser, how they are paid and how you could get your money out, plus the warning signs in offers made to expats. The same checks work for anyone offering you advice or financial products.
Cross-Border
Cross-Border Tax Residency
Where internationally mobile families are taxed: residency versus domicile, double-tax treaties and what can change in the year you move.
British Expats
UK Pensions When You Live Abroad
What you can and can’t do with a UK pension once you’ve left the UK. A UK pension cannot be transferred to South Africa, so the guide sets out the options that do exist, and how to spot the schemes aimed at expats.
Estate & Legacy
Estate Planning Across Two Countries
Wills, situs and inheritance when your life and your assets straddle more than one border, including whether a second will is a question to raise with a professional.
Currency
Currency Risk for Cross-Border Families
How the money you earn, hold and spend in different currencies affects your wealth, and what “waiting for a better rate” involves.
South African Residents
Tax-Efficient Investing in South Africa
A plain-English starting point on retirement annuities, tax-free savings and how long-term investments are structured for South African residents, including the two-pot retirement system.
Before You Hire Anyone
How Financial Advice Is Paid For
Commission, fees, claw-backs and the charges that may not show on a statement, explained plainly by someone who used to work in the industry, with ten questions to put to any adviser.
More In-Depth
Investing Guides
Two longer guides sit on their own pages: the international investor's guide to offshore investing, and onshore investment & retirement savings in South Africa.
General information only. Everything here is educational only: general information to help you think clearly, never personal advice or a product recommendation. These guides are provided by Rory Phillips Wealth for general education. They are not financial, tax, legal or investment advice and do not take account of your personal circumstances. Tax, pension and estate rules are general in nature, differ between countries and change over time. Nothing in them is a recommendation to buy, hold or sell any investment. Investments can fall as well as rise. Before acting, seek personalised advice from an appropriately qualified professional in the relevant country. By requesting a guide you consent to receiving it by email; you can unsubscribe at any time.