I write about financial planning for people who are earning well, living abroad, and haven't had the time to properly think through what comes next. Plain language. No product pitches.
Everything on this site is educational content, not individual financial advice. Joe Shaw is a CMA-regulated financial analyst based in Dubai.
A lot of financial content is generic. This site focuses on the decisions that actually matter for internationally mobile professionals.
UK State Pension gaps, voluntary NI contributions, pension transfers, and building a retirement plan when you've lived across multiple countries.
Active vs passive, the real cost of trying to time the market, portfolio construction, and what the long-term data actually shows.
Tax residency, offshore accounts, cross-border estate planning, and the financial questions that change the moment you move abroad.
Insurance gaps most people discover too late, currency risk, and protecting what you've built from risks you haven't thought about yet.
Whether to buy or rent as an expat, property as part of a broader plan, and the tax implications most people miss.
Budgeting, net worth, goal-setting, and the foundational habits that compound quietly over decades.
Better decisions tend to follow better information. That's the whole point of writing these.
I'm a CMA-regulated financial analyst at Skybound Wealth Management in Dubai. I spend my days in portfolio construction, global dealing, and investment operations. I started this site because I kept seeing the same thing: smart, well-paid professionals making avoidable financial mistakes, usually because nobody had explained things clearly to them.
Everything here is educational content, not individual financial advice. Think of it as the things I wish someone had explained to me before the decisions were already made.
If something here raises a question about your own situation, the best next step is a conversation.
A 30-minute call is a good place to start. Tell me a bit about where you are and what you're trying to figure out.
This is an educational conversation, not financial advice. I'll come back to you within 48 hours.
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