Strategic Cross-Border Wealth planning for UK & US Expats in the GCC

I help UK and US expats develop a clear, tax-aware wealth strategy Focused on growth, discipline and accountability across pensions, investments, currencies and jurisdictions

The Client Profile We Serve

UK expats with pensions, ISAs, or UK Situs assets

Who want those assets to operate effectively together.

US expats with IRAs, 401(k)s, or legacy US retirement plans

who value structure, foresight, and accountability over reactive decision-making

Senior professionals earning 50,000+ AED per month

And are shifting focus from income generation to long-term outcomes.

British Families

concerned about inheritance tax Exposure, retirement income, and Cross border planning

If your life spans borders, your financial strategy must be built to do the same.

Trusted Across Borders. Proven at Scale.

In the past 8 years, I've helped professionals and families protect, structure, and grow over £50 million in client assets across the UK, US, and the Middle East.

Rated Excellent on Trustpilot

Here's What Most Expats Miss

Common issues I see repeatedly:

UK pensions left unmanaged after relocation

(can cost thousands over a lifetime through fees, poor allocation, and missed consolidation.)

US retirement assets not aligned with long-term residency

(A 1–2% annual tax or structure drag compounds into six-figure losses.)

Limited planning around UK inheritance tax (IHT) or domicile risk

(Up to 40% of estates above thresholds lost without early planning.)

Excess cash accumulating without intention or structure

(Inflation alone can erode 20%+ of real value over a decade.)

Investment portfolios misaligned with future spending currency

(Currency mismatch can swing outcomes by 10–20% at exit.)

Multiple advisers, no single accountable strategy

(Fragmentation increases costs & complexity)

The result is not failure — it's drift. And over a 15–30 year horizon, drift becomes expensive

The Economic Impact of Inaction

Without a unified cross-border framework:

UK IHT exposure quietly compounds

Retirement plans fail to reflect where life will actually be lived

Currency mismatches erode real returns

Opportunities to restructure pensions tax-efficiently are missed

US tax and retirement rules continue to apply even when you no longer reside there

From Where You Are To Where You Want to Be

Disconnected pensions, scattered investments, and uncertainty around tax and retirement.

A single, integrated wealth strategy designed to support your lifestyle — now and in the future.

I help clients:

Core Areas of Expertise

Cross-Border Retirement Strategy

Designing retirement income plans for UK & US expats living abroad, factoring in tax, residency, and currency.

UK Pension Planning

Reviewing, restructuring, and optimising UK pensions for long-term efficiency and clarity.

Holistic Wealth Advisory

A complete view of assets, liabilities, cash flow, and long-term objectives — not product-led advice. Cashflow management through wealthflow tools to provide visibility and clarity.

Investment & Currency Alignment

Constructing portfolios aligned to timelines, risk tolerance, and future spending geography.

Inheritance & Legacy Planning

Reducing UK inheritance tax exposure and ensuring wealth transfers effectively across borders.

Personal Accountability. Strategic Continuity.

You don't need more opinions. You need one accountable strategy.

I currently advise 160+ long-term clients, overseeing £50m+ in assets, primarily for UK and US expats navigating complex international lives.

Backed by Institutional Strength

I advise clients as part of Hoxton Wealth, a globally licensed, cross-border wealth advisory firm.

Hoxton Wealth provides:

This allows me to combine personal accountability with institutional depth — a balance few advisory models achieve.

A Disciplined, Repeatable Advisory Process

Strategic Discovery

We assess your assets, residency, objectives, and cross-border exposure.

Cross-Border Plan Design

A unified strategy across pensions, investments, tax, and retirement.

Implementation & Oversight

Decisions executed internationally, reviewed regularly, and adapted as life evolves.

The objective is clarity — not complexity.

Begin With a Strategic Review