About Josh Clancey
Financial planning for expats with complex lives and cross-border decisions
I help expats in the Middle East make clearer financial decisions across pensions, retirement planning, tax, investments, protection, and estate planning.
Many of the people I work with are not dealing with one simple financial system. They may have UK pensions, offshore assets, family responsibilities in another country, future relocation plans, and a retirement that could happen somewhere entirely different from where they live today.
That is why joined-up planning matters.
Who I work with
I typically work with expats and internationally mobile professionals in the Middle East who want thoughtful, joined-up financial planning rather than product-led advice.
This includes:
- UK expats with pensions, retirement, tax, and estate planning questions
- Americans abroad who still have US retirement accounts or ongoing US financial considerations
- South Africans and Europeans managing wealth across countries
- Senior executives and business owners with more complex planning needs
- Families who want structure around protection, long-term planning, and wealth transfer
- People preparing for retirement abroad or considering a return home in the future
If your financial life involves more than one country, more than one system, or more than one big decision at once, that is usually where I can add the most value.
Why this matters to me
Cross-border financial planning is rarely simple.
Too many expats get advice that looks fine on the surface but ignores the wider picture. A pension decision is made without thinking about future residence. An investment recommendation is made without considering tax. Insurance is arranged without thinking about estate planning. Different pieces exist, but they do not join up.
I built my approach around solving that problem.
My role is not just to recommend products. It is to help people make better decisions by understanding how the moving parts fit together and what needs to happen now to support the life they want later.
How I work
My approach is planning-led, not product-led.
That means I start by understanding your current position, what matters to you, where the risks are, and what a good outcome actually looks like. From there, I build a plan that brings together the areas that matter most, whether that is pensions, retirement, investment structure, tax planning, protection, estate planning, or all of the above.
The aim is simple:
- create clarity
- reduce avoidable mistakes
- improve decision quality
- build a structure that can adapt as life changes
For some clients, that means solving one important issue well. For others, it means building and maintaining an ongoing long-term plan.
Why clients trust me
Clients trust me because I combine technical knowledge with a practical, transparent approach.
I have advised clients across a wide range of cross-border issues and I have written on financial planning topics for publications including the Financial Times, FT Adviser, Money Marketing, The National, and LexisNexis.
I am qualified across multiple areas and jurisdictions, and I continue to invest heavily in technical development because internationally mobile clients deserve advice that reflects the complexity of their lives.
Just as importantly, I believe trust is built through honesty. That means clear communication, realistic expectations, and advice that is designed around the client rather than the product.
What makes my approach different
A lot of expat advice is still too product-driven, too fragmented, or too narrow.
My focus is different.
I aim to help clients make joined-up decisions across:
- pensions
- retirement planning
- investments
- tax considerations
- protection
- estate planning
- cross-border transitions
That does not mean trying to do everything in one meeting. It means making sure the important parts of your financial life are not being treated in isolation.
Because for expats, isolated advice often leads to expensive consequences later.
A little more about me
I am based in Dubai and work with expats across the Middle East.
Over the years, I have become increasingly focused on helping internationally mobile people make sense of financial decisions that can otherwise feel fragmented, inconsistent, or overly complicated.
My aim is to bring structure, clarity, and long-term thinking to areas that are often misunderstood or oversimplified.
If you are looking for a thoughtful adviser who understands cross-border complexity and values clear, honest planning, you are in the right place.
Ready to get clear on where you stand?
If you want help making sense of your pensions, retirement plan, tax position, investments, protection, or estate planning across borders, the best place to start is with an introductory conversation.
Regulatory
Josh Clancey - Financial Conduct Authority individual reference number: JXC03513
Skybound Wealth Management UK Limited - Financial Conduct Authority number: 217994
Josh Clancey - (USA) CRD Ref - 8217337
SKYBOUND WEALTH USA ( CRD # 313358/SEC#:801-121157 )
Skybound Wealth Management Limited is regulated by the Capital Market Authority (CMA) in the United Arab Emirates. CMA Registration Number 608018
Skybound Insurance Brokerage LLC is authorised by the Central Bank of UAE. Central Bank of The UAE Registration Number 251.
