Independent Financial Planner
Your finances
shouldn't get
lost in translation.
I'm Mike — an independent financial planner helping people manage,
protect and grow their wealth across the UK, France, the USA and beyond.
Welcome
A quick introduction
from Mike.
A short hello — who I am, who I work with, and how I help clients keep their finances aligned across countries and currencies.
Discover my storyAbout
Why clients
work with me.
I've spent over 15 years helping people manage their finances across borders — and I've made the international move myself. I hold qualifications across the UK, USA, France and South Africa, and I'm regulated in all four.
Whether you're consolidating pensions, navigating cross-border tax, or planning your estate across jurisdictions, you're working with someone who understands your situation from both sides of the equation.
I now live in the French countryside near Toulouse with my family — training for my private pilot's licence, improving my French, and (finally) keeping my own chickens.
Services
Clear advice,
across continents.
Four areas of focus — no jargon, no surprises, no products sold on commission. Just advice that works.
- 01
Lifestyle financial planning
Cash-flow forecasting that maps your money to the life you actually want — across countries, currencies and life stages.
- 02
Pension & retirement planning
Consolidating UK, US and European pensions into a coherent plan that travels with you.
- 03
Tax planning & investing
Tax-efficient investment advice across jurisdictions — so your gains stay yours wherever you live.
- 04
Estate planning
Wills, powers of attorney and trusts structured to work across the borders your life crosses.
Testimonials
Don't take my word for it.
Client testimonial
Client testimonial
Client testimonial
For British expats moving to France
Planning a move to France?
I've done it myself.
Tax residency, healthcare, property, pensions, schools — the questions are bigger than they look from the UK side. A dedicated guide is on the way.
Financial Conduct Authority 
Securities and Exchange Commission 
Cyprus Securities and Exchange Commission 
Financial Sector Conduct Authority Financial Conduct Authority Securities and Exchange Commission Cyprus Securities and Exchange Commission Financial Sector Conduct Authority Credentials
Qualified to advise
across continents.
Cross-border planning demands cross-border qualifications. Mike sits near the top of the UK qualification framework — and is licensed in three more jurisdictions on top.
- CFP™Level 6 · United Kingdom
- PTPALevel 6 · United Kingdom
- Investment Advice DiplomaLevel 4 · United Kingdom
- NASAA Series 65USA
- RE1 & RE5South Africa
- AMFFrance
-
CySEC Advanced Regulatory ExamCyprus
Licensed, registered & regulated
Fees
Transparent.
Always.
No commission. No hidden product fees. You see exactly what you pay and exactly what it gets you.
Hourly advice
£400 / hour
For one-off questions, second opinions, or a specific piece of cross-border planning. Pay only for the time you need.
Ongoing advice
1% p.a. of AUM
For clients who want a long-term planning relationship — reviews, rebalancing, tax planning and life events handled as they happen.
Journal
Thinking about your next financial move? Start here.
12 Sept 2025
Beyond the boxes
How to actually build a life in a new country — the part that begins after the logistics are done.
4 Aug 2025
The reality behind the overseas property dream
You’re on the terrace of a Spanish villa. Here’s what cross-border financial planning looks like once the dream is real.
18 Jul 2025
The proof is in the pudding
Why your financial planner needs more than just a certificate — and what VouchedFor 2026 inclusion really means.
Watch on YouTube
Cross-border money,
explained simply.
Practical videos on pensions, tax, residency and life across borders — new episodes most weeks. Subscribe to follow along.
Checklist
10 steps before
you move country.
Don't play chicken with your financial plan. A quick checklist of the things to think through before — not after — you change country.
-
01
Review your residency and tax implications
Understand how your move will affect your tax residency status, potential double taxation, and reporting obligations in both your current and future country.
-
02
Assess your investment and savings structures
Are your ISAs, IRAs, pensions, or brokerage accounts tax-efficient or even compliant in your new country? Some may be penalised or lose tax advantages post-move.
-
03
Understand currency and FX exposure
If your income, assets, or liabilities are in multiple currencies, you'll need a plan for currency risk management and banking efficiency.
-
04
Review your retirement plans
Do your current retirement savings align with the rules and expectations in your destination country? Consider portability, cross-border pensions, and local alternatives.
-
05
Evaluate property ownership and housing options
Will you rent, buy, or keep a home in your current country? Each option has tax and inheritance consequences, particularly if the property is rented or gifted.
-
06
Update wills and estate planning
Your existing wills or estate plans may not be valid or optimal abroad. Align your succession planning with local laws (France's forced heirship rules, for example).
-
07
Arrange health insurance and social cover
Check your access to healthcare, social security arrangements, and whether private medical insurance is needed before and after your move.
-
08
Organise visas and immigration documentation
Secure the correct residency visas and make sure you understand the immigration rules of your destination, especially around income requirements and dependents.
-
09
Plan for income and reporting obligations
Identify what income you'll have (salary, dividends, rental, etc.) and how it needs to be declared. Be aware of FATCA, FBAR, or UK self-assessment obligations.
-
10
Seek cross-border financial advice early
Work with a planner who understands multi-jurisdictional planning — from taxes and investments to estate planning and compliance — to avoid costly surprises later.
Contact
Book a call.
It's the easiest first step.
A 30-minute introductory call — no obligation, no charge. We'll talk through where you are, where you're heading, and whether I'm the right fit.