Financial Consultant
I work as a Financial Planner with expat clients to meet their financial planning needs and goals, with a focus on adequately protecting expats & their families, and helping people to grow their savings over the long term. I strongly believe in building meaningful and lasting relationships with clients to ensure the best client outcomes are achieved.
If you find it hard to save you can blame hyperbolic discounting. This economic theory explains why humans are hard-wired to seek instant gratification. Here’s the science behind why your bank account feels like a sieve! What is hyperbolic discounting? Hyperbolic discounting refers to the tendency for people to increasingly choose a smaller-sooner reward over…
Well, here we are in April which is officially Financial Literacy Month in the US so it seems a great opportunity to discuss the very important topic of financial literacy. Many western democracies are facing a private debt crisis and this is a problem which can’t be blamed solely on the pandemic – it has…
22nd April is Teach Your Child to Save Day, part of National Financial Literacy Month in the US. It serves as a reminder to parents regarding the importance of encouraging healthy financial habits in children from a young age. Saving is the most important financial habit of all, yet it is something that many adults…
What is Lifestyle Inflation? Lifestyle inflation, also known as lifestyle creep, refers to increased spending after a person’s income increases. Lifestyle inflation tends to escalate each time a person receives a raise and can make it challenging to save for retirement, get out of debt, or meet other long-term financial goals. Avoiding lifestyle inflation is…
We have all heard the phrase ‘Humans are creatures of habit’ but have you ever stopped to think about how those habits help and hinder your days? Habits are behaviours and preferences that we develop, based on our views and belief systems, that make up a kind of script which help us to navigate the…
Retirement Savings Options For Expats In Asia Building a retirement nest egg is vital for all of us due to increasing life expectancy, shrinking basic state pension provision and the responsibility for having enough to live out our golden years in comfort now being placed squarely on our shoulders. In addition, expat retirement planning can…
From speaking to my clients, I know that budgeting personal finance is something that many people find extremely difficult. But, like life, managing your finances is all about balance. After you’ve met all your bills, you have to decide how to use your after-tax income. For example, suppose you’re finding deciding how much of your…
Estate planning and Inheritance tax while quite frequently discussed in the UK Financial press, is far less prominent and talked about in Ireland. It is however an important consideration for Irish expats, mainly because for many Irish expats are likely to have family ties back in Ireland. And, the rules for Inheritances dictate that if…
As the coronavirus spreads across China and a growing number of cases are being confirmed around the world (latest figures from CNBC), our thoughts naturally turn to our health and just how important it is. As the American humourist Josh Billings famously said, “Health is like money, we never have a true idea of its…
So that’s 2019 all wrapped up with all eyes focused on 2020 and a new decade. What were your New Year’s resolutions this year? Maybe to travel more? To finally bite the bullet and take out that permanently-postponed gym membership? To switch to dairy-free milk? As we welcome the second month of the year, I…