Who I Work With
I work best with people whose financial lives do not fit neatly into one country, one pension, one tax system or one simple decision.
You may live in the UAE or elsewhere in the Middle East, but still have UK pensions, UK property, international investments, family in different countries, business interests, or plans to retire somewhere else.
That creates complexity.
The value of good financial planning is not just choosing an investment or reviewing a pension. It is joining the dots across pensions, investments, retirement income, tax-aware planning, currency, estate planning, protection and future country moves.
This page will help you understand whether I am likely to be the right person to help.
Who I usually help
I usually work with American, British and South African expats and internationally mobile professionals who need joined-up advice across more than one area of their financial life.
That often includes US retirement accounts, UK pensions, retirement planning, investment strategy, tax-aware planning, estate planning, life and critical illness cover, currency planning, and future country moves.
The common theme is complexity.
Most clients are not looking for a quick product recommendation. They want clarity, structure and a plan that helps them make better decisions.
If you have old UK pensions, investments in different places, uncertainty about retirement, family protection concerns, or a possible move back to the UK, this is likely to be relevant.
The people I most often work with
British expats in the UAE
You live in Dubai, Abu Dhabi or elsewhere in the UAE and still have UK pensions, UK property, investments, tax questions or family ties.
Expats with UK pensions
You have old workplace pensions, SIPPs, defined benefit schemes, defined contribution pensions or pension transfer questions.
Expats approaching retirement
You want to know whether your pensions, investments, cash and property can support the lifestyle you want after work.
Globally mobile professionals
You may move again, return to the UK, retire abroad or split your life across countries, currencies and tax systems.
Common situations I help with
You have several old UK pensions
You may not know where all your pensions are, what they cost, how they are invested, or whether they should be left alone, consolidated or reviewed further.
You are unsure if you have enough to retire
You may have built assets over time but still lack a clear retirement number, income plan or timeline for when work can become optional.
You live abroad but may return to the UK
A possible UK return can affect pensions, investments, tax, property, healthcare, estate planning and retirement income.
Your investments feel scattered
You may have investment accounts, offshore bonds, savings plans, cash, pensions and property that have never been reviewed together.
You want to protect your family
Life cover, critical illness cover, income protection, employer benefits, wills, beneficiaries and pension nominations may need reviewing together.
You own or run a business
You may have wealth tied up in your business and need to connect business planning with personal retirement, protection, investments and estate planning.
You want a proper financial plan
You are not looking for a one-off product. You want joined-up planning across pensions, investments, tax, retirement, estate planning and protection.
What you may need help with
UK pension planning
For British expats with old UK pensions, pension transfer questions, consolidation decisions, SIPPs or retirement income planning needs.
Retirement planning
For expats who want to understand how much they need, when they can retire and how income might work.
Investment planning
For expats who want their portfolio reviewed around goals, risk, charges, currency, tax position and future residence.
Estate and protection planning
For expats who want to review wills, beneficiaries, pension nominations, life cover, critical illness cover and family protection.
Who this may not be right for
Good advice should also be clear about fit.
I may not be the right adviser if you are looking for short-term trading ideas, speculative investments, tax avoidance schemes, a quick product recommendation without proper planning, or advice on a single issue without understanding the wider picture.
I also may not be the right fit if you are looking for someone to simply validate a decision that has already been made without reviewing the facts properly.
The work I do is planning-led.
That means the process starts with understanding your position, objectives, concerns, existing arrangements and future plans before discussing recommendations.
What good-fit clients usually value
They want clarity before action
They would rather understand their options properly than rush into a pension, investment or insurance decision.
They value joined-up planning
They understand that pensions, investments, tax, estate planning, protection and retirement income are connected.
They want transparency
They want to understand fees, risks, trade-offs, limitations and why a recommendation is being made.
They have cross-border complexity
They may have assets, pensions, family, tax questions or future plans across more than one country.
They are serious about planning
They may not have every answer yet, but they want to make better decisions and avoid avoidable mistakes.
They want an adviser relationship
They want an ongoing planning relationship, not just a one-off transaction.
Planning areas I can help withe
UK Pensions for Expats
If you live outside the UK and still have UK pensions, the decisions you make now can affect your retirement income, tax position, investment structure, currency exposure and family planning for years. Josh Clancey helps British expats understand what to do with UK pensions while living abroad, including old workplace pensions, personal pensions, SIPPs, pension transfer options, consolidation, beneficiary nominations and retirement income planning.
View UK Pensions for ExpatsInsurance Planning for Expats
View Insurance Planning for ExpatsEstate Planning for Expats
Review wills, pension nominations, beneficiaries, guardianship, inheritance-tax exposure and cross-border estate-planning risks.
View Estate Planning for ExpatsFinancial Planning
Bring pensions, investments, retirement, tax, protection and estate planning into one clear plan.
View Financial PlanningRetirement Planning
Retirement planning for British expats. Understand how much you need, when you can retire, and how pensions, investments and tax fit together.
View Retirement PlanningTax Planning for Expats
Understand how pensions, investments, retirement income, property, estate planning and future country moves can affect your tax position.
View Tax Planning for ExpatsWho I work with FAQs
Important information
This page is for general information only and does not constitute personalised financial, tax, legal, investment, pension transfer, retirement income, estate planning or insurance advice.
The right advice depends on your objectives, residence, assets, pensions, tax position, family circumstances, risk profile and future plans. Specific tax, legal or insurance advice should be taken from appropriately qualified professionals where required.
