Free Guides
A library of plain-English guides on the questions I'm asked most — written to be genuinely useful, not to sell you anything. Educational only, no jargon, no numbers to memorise. Enter your email and I'll send the PDF straight over.
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The signature framework
Money doesn’t cross borders cleanly. Before you invest a cent, map it — your pots against five questions: country, currency, tax, purpose, access. The gaps reveal themselves. It’s the first thing I do with anyone whose money lives in two countries.
Start here · 2-minute checklist
Seven warning signs that a “pension opportunity” is really a scam — and what to check before you trust anyone with your retirement. The fastest way to protect yourself.
Protect yourself
The offshore-advice world has a real trust problem. How to choose an adviser for cross-border money — and spot the ones to avoid — with the questions that get a straight answer. Including the ones to ask me.
Cross-Border
What internationally mobile families should understand about where they are taxed — residency vs domicile, double-tax treaties, and the traps in the year you move.
British Expats
What you can and can't do with a UK pension once you've left the UK — including the South Africa transfer myth, and how to spot the scams that target expats.
Estate & Legacy
Wills, situs and inheritance when your life and your assets straddle more than one border — and why a single will is rarely enough for a cross-border family.
Currency
Why the money you earn, hold and spend in different currencies quietly shapes your wealth — and why "waiting for a better rate" is usually a trap.
South African Residents
A plain-English starting point on retirement annuities, tax-free savings and building long-term wealth as a South African resident — structure, not stock tips.
Before You Hire Anyone
Commission, fees, claw-backs and the charges that never appear on a statement — explained plainly, with ten questions that get you a straight answer. I’m describing my own industry, so put the questions to me too.
More In-Depth
Two longer guides sit on their own pages: the international investor's guide to offshore investing, and onshore investment & retirement planning in South Africa.
General information only. 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.