I am a Chartered Financial Consultant and Life underwriter based in Singapore. I provide independent advice on all thing to do with money, to people all over the world. I write on the subject too.
I primarily work with families and business owners in need of help planing and managing their money. I also provide support to Trustees, Family Offices and Legal professionals needing independent expertise with their own clients.
Evidence-Based Planning. Global Experience.
The Story
I didn't plan to become an advisor. It happened because I lived the life that I now help my clients navigate.
I have been an expat all of my life. Born in the UK, grew up Germany and moved to Hong Kong as a teenager. I spent 25 working in finance there, travelling around Asia during one of it’s most dynamic periods.
I saw firsthand what happens when globally mobile professionals and their families encounter difficult scenarios. Not only different cultures and languages, but complex and every changing tax rules, unfamiliar insurance options and bad investment advice.
Now based in Singapore, I bring practical experience to clients who are living abroad but have ties across multiple jurisdictions. A real world understanding of what it means to experience life in another country and manage wealth across borders.
What’s the best way to invest my money? How much should I be savings, Where should I retire? Will my insurance cover me if I move? How does UK tax apply when I live in Asia?
I've answered these for myself and my family, now I help others answer them too, with research driven plannings and evidence based investments.
Why This Background Matters
Most advisors trained in one country assume their expertise applies everywhere. It doesn't. A UK trained planner will likely not understand how CPF works in Singapore or why early withdrawals from an ILAS policy matters in Hong Kong. Equally, a Singapore-based advisor may not grasp UK inheritance tax nuances or how the FIC legislation affects expats returning home.
My advantage isn't only that I'm qualified in three places. It's that I have lived in these places.
I know what it's like to accumulate insurance, investments and pensions across multiple jurisdictions and wonder how they fit together, and what happens when I relocate.
I understand the frustration of discovering your insurance policy doesn't pay out the way you expected because some arbitrary change in your situation or residence.
I've seen clients lose large amounts of money because they followed poor quality advice from salesmen who sold them high cost products that were unsuitable and poorly managed.
That's why my approach is different. I don't start with products. I start with your actual life where you've been, where you're going, and what actually matters to you.
Wherever the advice leads, it will be 100% honest, transparent, cost effective, communicated clearly and evidence based, so that can be relied upon.
What I Specialise In
Expand each section and click on the link for more information and what to expect.
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Our planning starts with you, your values, your goals, your life transitions. Life-based planning puts your story at the center.
Whether you're saving for children's education, planning a career change, mapping retirement across multiple countries, or supporting family members, every recommendation ties back to what actually matters to you.
This approach integrates investments, tax, insurance, and estate planning into one cohesive framework. It recognises that life happens, relocations, job changes, health events and builds resilience into your plan so you're equipped for transitions, not blindsided by them.
For globally mobile clients, this means your wealth plan travels with you, adapting as your circumstances evolve rather than locking you into a single jurisdiction's assumptions.
Want to see how life-based planning differs from traditional advice? Click here
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Traditional wealth management relies on active stock-picking, market timing, and product recommendations. Strategies that see over 85% of active funds underperform their benchmarks over 15-year periods.
Evidence-based investing sidesteps that trap entirely. We build portfolios around what research has proven works over time: broad market exposure, targeted return factors, lower fees that compound in your favour, and disciplined execution that keeps you invested through volatility.
The difference shows up in your net returns. Lower fees mean more wealth stays in your pocket. Lower turnover reduces transaction costs and tax liabilities. Transparency means you know exactly what you own and why.
For expats and globally mobile clients, there's an added advantage: evidence-based portfolios are portable. The principles apply whether your assets are in Singapore, Hong Kong, the UK, or anywhere else you accumulate wealth.
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Most tax advice focuses on compliance and filling out forms.
We focus on strategy, designing structures that determine what ends up on those forms in the first place.
Cross-border tax planning coordinates Singapore, Hong Kong, and UK tax regimes so your wealth isn't unnecessarily eroded by overpaying and missed reliefs.
For globally mobile clients, this isn't optional, it's essential. A structure efficient in one country can create unexpected liabilities in another, and the impact can be huge.
Want to see how we coordinate tax planning across multiple jurisdictions?
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Traditional retirement planning assumes you'll retire where you built your wealth. For globally mobile clients, that assumption fails.
Cross-border retirement planning coordinates all your retirement vehicles. CPF, MPF, SRS, SIPP, workplace pensions, ISAs into one coherent strategy.
We map access ages, tax treatments, and currency considerations across jurisdictions so nothing sits untapped or becomes taxable unnecessary.
This includes pension portability review and the incoming inheritance tax implications for UK pensions.
Want to see how retirement planning differs when your life spans multiple countries?
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Estate planning is far more than drafting a will; it is a strategic framework designed to protect your assets, minimise tax liabilities, and provide clarity for your loved ones during challenging times.
Whether you reside in Singapore, the UK, or hold interests globally, navigating complex inheritance laws requires specialized expertise.
Our holistic approach integrates cross-border tax efficiency with compassionate family guidance, ensuring your wealth transfers exactly as intended. From trust structures to beneficiary designations, we help you build a resilient plan that stands the test of time and geography.
Don’t leave your life’s work to chance or complication.
Click here to discover how tailored estate planning can safeguard your future and bring peace of mind to your family.
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Protect what matters most with comprehensive insurance solutions designed for your unique global lifestyle.
Life carries uncertainty, especially when you have lived across multiple jurisdictions. From income protection and critical illness coverage to life insurance and long-term care, the right plan provides security for you and peace of mind for your family.
Our approach matches coverage to your specific needs. We navigate international underwriting, tax implications, and benefit structures to ensure your policies perform when you need them most.
Whether you’re building wealth in Singapore, protecting assets in the UK, or planning retirement across borders, integrated risk management is essential.
Don’t let gaps in coverage jeopardise what you are working towards.
Click here to explore how tailored insurance planning complements your broader financial strategy and safeguards your future against the unexpected.
A Personal Touch
I believe financial planning should put you at the center. That belief comes from knowing what it feels like to be the client: overwhelmed, uncertain, and needing someone who gets it.
When you work with me, you're not only getting highly qualified technical expertise. You are also getting someone who's walked the path and wants to make it easier for you.
Whether you're newly arrived in Asia, planning a move back to the UK, or simply want to know if your current setup is working.
Contact me for an initial consultation during which we will discuss your situation and address any initial questions you have.
This allows me to understand how I can best assist you and for us both to assess if we wish to work together and on what basis.
This step in complimentary and any fees associated with subsequent work will be fully disclosed ahead of time.
Tried and tested means to pursue a better investment experience and improve your odds of success.