Financial Services
Four core services for expat and high-net-worth clients: wealth management, retirement and estate planning, fixed interest investments, and citizenship by investment. Most clients use two or three. A few use all four. None get a generic plan.
Wealth Management
Long-term portfolio construction for expat and HNW clients. We start with what you already hold (pensions, ISAs, brokerage accounts, property, stock options) and build the plan from there rather than around it. Mixed-currency portfolios where it makes sense, single-currency where it doesn't. Annual reviews, written quarterly updates, and full custody at established platforms; we never hold client money ourselves.
Retirement, Tax & Estate Planning
Three problems usually arrive together: how to draw income tax-efficiently across two jurisdictions, how to keep your pension out of UK inheritance tax after the 2027 changes, and how to leave assets to children in a country that doesn't recognise your home-country will. We plan each one against the others rather than in isolation, and we coordinate with your existing solicitor and accountant rather than replacing them.
Fixed Interest Investments
Investment-grade corporate bonds, gilts, US Treasuries, and selected structured notes for capital preservation. Best suited to clients within five years of retirement or already drawing down. We hold duration deliberately short until real yields are worth the rate risk. Tax wrapping varies by residence: Spanish-compliant bonds for clients tax-resident in Spain, gross-roll-up structures where they help, plain platforms where they don't.
Citizenship By Investment
Portugal Golden Visa, St Kitts and Nevis CBI, Antigua, Grenada, and the other live Caribbean programmes; Spanish residency by passive income or work. We cost out the full timeline (application fees, due diligence, processing time, physical-presence requirements) before you commit. If the cheapest answer is a long-stay visa rather than CBI, we'll tell you.
