How I work
Education first. No sales pitch. No pressure.
The offshore-advice world has a trust problem, and it’s earned. So here, in plain English, is exactly how I work and what you can expect. If any adviser can’t tell you the same, that tells you something.
The honest starting point
Educational first, and I’ll always tell you where I stand
Everything here is educational only: general information to help you think clearly, never personal advice or a product recommendation. I’d rather say that plainly than blur it. When someone in this industry is vague about what they are offering, that’s usually the first red flag; being clear about it is the opposite.
What it means for you right now: you get plain-English explanations, useful guides, and a no-obligation call for general information, with nothing sold on this site.
Independent & plain-spoken
I write for you, not for a provider
I’m independent. I’m not tied to any platform, fund house or insurer. Everything here is general education, and a first call carries no obligation.
That independence changes the whole conversation. It means the starting point is understanding your own situation, not finding a product to fit you into. For cross-border families, that starts with a Cross-Border Money Map (laying out where your money sits, in which currency, under which tax system, and what it’s actually for) before anyone talks about investing a cent.
Transparent by default
Every cost, in one place, in writing
The single most common way people get quietly hurt in offshore investing is cost they never saw: layered platform, fund and adviser charges, or ongoing commissions buried in the small print. So the rule to hold anyone to is simple: you see every cost, across every layer, in one place, in writing, before you decide anything. No hidden fees, no surprises, and if anyone calls advice “free”, ask who is paying for it. If a cost is ever harder to understand than the thing it’s paying for, that’s deliberate, and it’s a reason to slow down, not speed up.
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, and you leave with something useful either way.
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.
Hold anyone to it
Questions worth asking any financial professional
Good advice welcomes scrutiny. Before you trust anyone with money that lives across borders, these are fair questions to ask, and you should expect a clear answer to every one:
- Are you independent, or selling your own products? Whose product is it, and how are you paid?
- What will I pay, across every layer, in writing? Platform, funds and advice, all in one place.
- How, and how quickly, can I get my money out? Any lock-ins or exit penalties?
- Can I verify who you are, independently? On the regulator’s own website, not a number you gave me.
- Are you rushing me? A good opportunity survives a week of due diligence.
- Are you happy for me to get a second opinion? The honest answer is always yes.
Ask me the same questions.