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I was born in the UK (Scotland) and spent most of my life in England before moving overseas over a decade ago. Since then, I’ve lived primarily in Japan and China, while also spending time across Southeast Asia, the Middle East, and Europe. This experience has given me a deep understanding of expat life, including its challenges, opportunities, and financial priorities.

Today, our business operates internationally, with administrative offices in multiple global locations, clients in over 100 countries, and a team of more than thirty people, including staff, freelancers, and joint venture partners.

What makes my approach different is how we operate within the financial services industry. I have built a globally recognised online presence, with over a billion views across platforms such as Quora and YouTube. I am also regularly featured in the media, including a Forbes column and appearances on CNBC.

My model is based on the premise that you have all the information on hand to make an informed, transparent decision before reaching out to become my client. This page is designed to provide everything you need to understand whether our approach is the right fit for you.

Many of my clients are introduced through personal recommendations from existing clients, as well as those who found me online through platforms like Google, Quora, Facebook, etc.

Yes, I’m a member of the Chartered Insurance Institute (CII), which is a globally recognised professional body for insurance and financial planning. You can verify this directly through the official CII register here.

Fees vary depending on the solution and level of service required. As of June 2025, investment-related costs typically range from approximately 0.5% to 2.5% per year, depending on the platform, structure, and underlying investments selected.

For clients seeking standalone consultations (without investing through our preferred partners), fees generally start from USD1,500, depending on the scope and complexity of the work involved. This is usually most suitable for those looking for:

• Portfolio reviews
• Wealth structuring guidance
• Trusts and foundations
• International banking solutions
• Second opinions on existing arrangements

Additional costs may apply depending on the specific services or structures required.

No.

Generally, no. Most of our communication is done digitally, which is practical given that our clients are based in over 100 countries worldwide.

That said, I do occasionally meet existing clients in person when our travels happen to overlap. For example, my interview with Tom in Germany was filmed face-to-face, even though we had already been working together remotely for months, and we never planned to meet.

Communication is usually more frequent at the beginning, as new clients naturally have more questions while getting familiar with the process.

After that, I typically stay in touch with clients monthly via email or WhatsApp. Clients are also invited to exclusive events and client gatherings throughout the year, including previous events with Shark Tank/Dragon’s Den investor Kevin O’Leary.

No. I never personally hold client funds.

Your investments remain secure, as I do not hold client funds, and there is a structured process in place to ensure continuity of service by other qualified team members.

Each solution is tailored to your risk appetite. Some clients are invested entirely in ETFs or fixed-income strategies. Others may be allocated to investment opportunities that are typically only accessible to high-net-worth individuals or multi-millionaires.

The process is simple:

1. First, all prospective clients read this page to ensure we are a good fit and that you are eligible to apply for our services.
2. Once your application is approved, I will onboard you onto A-rated investment platforms.
3. You will then fund your account directly with the platform.
4. Once the funds are received, you will have access to a wide range of low-, medium-, and high-risk investment opportunities. Your portfolio will then be structured according to your risk tolerance, financial goals, and individual circumstances.

You will also have 24/7 online access to your account and investments.

All investments involve risk, but we provide options across low, medium, high, and ultra-high risk strategies depending on your objectives and risk tolerance.

Yes, depending on the platform used, clients may gain exposure to funds managed by large global asset managers such as Vanguard and BlackRock. This structure allows access to a wide range of funds rather than being limited to a single fund house.

We do not offer FX trading or specialise in Bitcoin investments. We do, however, have an option with one provider where you can fund your investment with cryptocurrency. We don’t advise that gold should be a big part of your portfolio either.

On lump sum accounts, it is possible to invest in Bitcoin ETFs and certain other cryptocurrency-related investments, although these would be entirely at your own risk. At present, only two of my clients hold these ETFs. In both cases, they specifically requested them, the allocation is limited to a maximum of 5% of the portfolio, and they understand that it was not my advice to get into it.

If you wish to fund your investments using crypto and then transition into the diversified portfolios I recommend, this is possible on lump sum accounts only.

Private equity firms, hedge funds, and private banks typically charge around 2% a year plus 20% of profits. They also only offer access to more advanced institutional strategies like downside protection, if you’re investing several million.

Most banks also tend to give you “off-the-peg” solutions that aren’t really tailored to you. They often manage your money using their own funds or model portfolios, which can limit flexibility and may create conflicts of interest. Many banks are also less flexible if you move overseas, including restricting you from adding new funds or, in some cases, even closing your accounts.

I offer a more tailored and flexible approach, with access to solutions and structuring that you typically don’t get through traditional banks or large institutions.

Eligibility depends on your country of residence. Most applicants are eligible, but certain jurisdictions are restricted due to regulatory requirements. For example, US persons (including US citizens and residents, whether living in the US or abroad) are generally not eligible for most services.

Take our eligibility quiz to find out if you can apply for our services.

Most likely they will keep increasing due to rising demand.

Yes.

Most of the funds and ETFs we use are structured under UCITS — a highly regulated European investment framework widely regarded as one of the global gold standards for investor protection and fund regulation.

UCITS funds are commonly available on major international investment platforms, even if they are domiciled outside the European Union.

Each investment portfolio is tailored to the individual client once the account is funded, so we can’t share full portfolios publicly. However, we have access to a wide range of regulated investment funds, ETFs, and other global investment solutions.

We can also provide eligible investors with access to certain professional or institutional-grade funds that are typically reserved for ultra-high-net-worth individuals and large institutions.

We aren’t tax advisors and can’t predict how tax laws may change in the future. However, through certain product providers, we work with trusted tax specialists who can help clients with tax-efficient structuring, including inheritance tax planning where appropriate.

That said, many people tend to overthink tax. There are a few reasons for this:

• Tax laws can change over time, and it’s impossible to fully future-proof against legislation that may not yet exist.
• Your country of tax residency may change in the future.
• In most tax systems, tax is only payable when gains are realised, not simply because the value of an investment increases.

Ultimately, neither you nor we can control future tax laws. Rather than worrying about unknown future scenarios, it often makes more sense to focus on withdrawing or restructuring investments tax-efficiently once the rules at that time are clear.

It’s also important to remember that capital gains tax is usually a result of investment success. Paying some tax on strong gains is generally preferable to earning little and paying no tax at all.

Most of our investment solutions are based in 0% capital gains tax jurisdictions, meaning neither we nor the investment provider imposes capital gains tax within the structure itself. If you also reside in a jurisdiction with no capital gains tax — such as many Middle Eastern countries — or in a country that does not tax foreign income or overseas capital gains, you may not have any tax liability. However, we are not a tax advisory service, and individual circumstances vary.

With that said, we do have strategic relationships with a number of international tax advisors.

Yes, we do offer that option for some clients who request it.

The biggest mistakes are usually:

1. Caring about irrelevant things. For instance, in terms of investment platforms, we deal with some that are regulated as banking or investment platform companies and others that are insurers or offshore bonds (such as International Assurance, one of the many providers we use). However, that makes no difference to the returns, as the same funds and ETFs are used. It is merely a regulation issue.

The vast majority of clients are put on A-rated platforms with little to no debt and are using the biggest third-party custodian banks in the world to hold client assets. These custodians include BNY Mellon, the largest custodian bank in the world, with $43 trillion in assets under custody as of 2024, and JP Morgan, with $28.6 trillion.

It is pretty difficult for A-rated companies with no debt to go out of business, but even if they do, your money is sitting in segregated accounts with the largest custodian banks in the world. What matters is my relationship with you and the underlying investment performance.

2. Reading too much into the third-party vehicles I suggest. The providers I suggest will naturally have some good and bad reviews. That is because some advisory companies write negative and often outdated reviews on solutions for self-interested reasons. Furthermore, the performance is down to the advisors who use the solution, so your mileage will naturally vary.

Ultimately, I am the driver of the vehicle. A good driver can get you from A to B in a Bentley or the cheapest car on the road. Accidents are usually caused by the driver, not the machine. So, negative online reviews for solutions are usually the result of bad drivers (bad advisors) or have just been written for self-interested reasons.

Absolutely. All client information is treated confidentially, and we never sell your data to third parties.

I work with clients across more than 100 countries and five continents, made possible by the efficiency of a fully remote approach. My clients come from a wide range of backgrounds, industries, and professions. Many are expats due to the international and cross-border nature of what I do.

I also work with locals who are planning to relocate overseas or looking to protect their wealth from currency depreciation in their home countries — primarily based in Latin America, Africa, and parts of Asia.

No. However, I do share a lot of free educational content and guidance for people who are not yet in a position to become clients.

Some clients are understandably concerned about factors outside anyone’s control — such as market volatility, future tax changes, or what would happen if something affected my health or ability to work long term. I address these concerns on the video.

For most people, the information provided on this page helps address and alleviate the majority of those concerns.