Environmental, Social & governance Focused Ethical Investing
I take a holistic and thorough approach to Financial Planning and Wealth Solutions. I don't compromise my principles and ethics, so you can trust that I will give the best advice possible, taking in to account the full picture and your long term goals.
I will always explain complex and technical information in a way that you can understand, to empower you to meet your financial goals and plans, with a trusted and respected advisor by your side, every step of the way.
I filter through all the noise and jargon to explain things to you in plain English, using real life examples and producing results with ongoing support.
My financial services
All of the things you wish you were taught in school. One to one Coaching especially designed for Expats, this will empower you with the knowledge to take control of your financial future and breaks down the barriers that stop you achieving your financial goals and plans
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A form of income to provide for yourself after retirement. Contributing to a pension is extremely tax efficient and can provide a guaranteed monthly income, for life. As an expat you can no longer pay in to your UK workplace pensions, and will need to make up for this shortfall by using a savings plan
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Saving for your long-term ambitions such as a house deposit, wedding or to provide an extra form of income. I’m focused on Ethical investing, which not only covers the way advice is presented, but also selectively investing in Clean Energy, Renewables, or Companies with a strong social cause or mission. This is known as ESG investing.
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General Financial Advice
Covering all aspects of holistic wealth management, true financial planning takes a full look at all the areas that make up your financial health, from making a will, tax advice, to mortgages and life insurance
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Certified Wealth Management
Member of the Chartered Institute for Securities & investment - The leading professional body for securities, investment, wealth and financial planning professionals.
Independent Financial Advisor, Authorised agent of Globaleye Dubai, Licensed and regulated by Central Bank UAE & Securities and Commodities Authority
Why choose me as your financial advisor?
Making financial advice accessible and easy to understand, with your best interests at heart, every step of the way
Industry experience across some of the worlds leading banks, CISI Member and Chartered Banker.
Financial planning isn’t just about the numbers, the emotions and behaviours that shape your goals need to be addressed as well as keeping our communication open and pro-active.
Trusted and respected
An ever growing reputation in the region and industry, with lots of recommendations and popularity, quickly becoming a voice for positive change and disruption
Design a coaching programme
that suits you
My programme modules
Buying your home as a first-time buyer, what schemes and government support you are entitled to, how mortgages work and options available for expat mortgages, as well as buy to lets/investment properties
- First time buyer process (help to buy)
- How mortgages actually work
- Buying a property from overseas
- Buying property for investment (buy to let)
Each year one million people in the UK find themselves unable to work due to a serious illness or injury. We cover the options available to expat's and look at what suits you and your family best.
A cash budget is very important, It allows you to manage your financial situation and avoid using debt to get yourself out of unexpected expenses. A cash budget helps avoid a shortage of cash during periods in which you encounters a high number of expenses.
Pensions might seem complicated, but the basic idea is a simple one. It’s worth understanding the benefits of saving into a pension scheme, because your State Pension while working in the UAE could be effected and may not be enough to live on when you reach retirement age.
Debt, Loans and credit cards can be a minefield and they all suit different people in different situations. We drill down into your personal situation and look at the products that suit you.
Investing gives your money the potential to grow faster than it could in a savings account. If you have a long time until you need to meet your goal, your returns will compound. Basically, this means in addition to a higher rate of return on investments, your investment earnings will also earn money over time.
Credit Scoring for expats can be difficult to understand, what stands in the UK can change once you more to the UAE, we take a look at your lend-ability and work to improve on what you currently have.
Once you become a resident of the UAE your tax situation will change, however national insurance should still be be paid. We look at what changes will take place and how that effects you, we will also make sure you're up to date on national insurance payments.
We dive into everything an expat needs to know, covering the best way to send money home, payments on student loads and any other debt you might have.
Frequently Asked Questions
Pensions & Savings
Living or moving abroad will not affect the sterling amount of your pension. However the amount you receive in the local currency may change based on currency rates.
Not paying in to your UK pension is costing you $25k a year
You will need to transfer your UK Pension to a QROPS in the UAE
Ethical investing is the practice of selecting investments based on ethical or moral principles. ... Ethical investors typically avoid investments from sin stocks, companies involved with stigmatised activities, such as gambling, alcohol, smoking, or firearms.
Whilst living abroad, you do not have to pay National Insurance Contributions (NICs) – but you may need to in order to protect your UK State Pension, depending on how many payments you have already made.
If you go abroad and are no longer within the UK tax system, HM Revenue & Customs (HMRC) can no longer be involved in your student loan repayments and the Student Loans Company (SLC) takes over.