About Josh Clancey
Dubai-based expat financial adviser for cross-border planning
Josh Clancey is a Dubai-based UK and US-qualified expat financial adviser who helps expats in the Middle East make better financial decisions across pensions, retirement planning, investments, tax, protection, and estate planning.
He works with internationally mobile professionals, senior executives, business owners, lawyers, and families whose financial lives span more than one country. That often includes UK pensions, offshore assets, US retirement accounts, relocation plans, retirement abroad, ongoing tax considerations, and long-term wealth planning across multiple jurisdictions.
If your financial life involves more than one country, more than one system, or more than one major decision at the same time, joined-up planning matters.
At a glance
- Dubai-based expat financial adviser
- UK and US-qualified
- Works with expats across the Middle East
- Specialises in pensions, retirement planning, investments, tax, protection, and estate planning
- Focused on cross-border financial planning for internationally mobile professionals, families, lawyers, executives, and business owners
- Helps clients make joined-up decisions across multiple countries and financial systems
What Josh helps with
Josh helps expats in the Middle East with:
- UK pensions and pension consolidation
- Retirement planning for expats
- Investment planning and portfolio structure
- Cross-border tax considerations
- Life insurance, critical illness cover, and protection planning
- Estate planning and wealth transfer
- Financial planning before repatriation or retirement abroad
His focus is not just on individual products or isolated recommendations. It is on helping clients understand how the moving parts fit together so they can make informed, confident decisions.
Who Josh works with
Josh typically works with expats and internationally mobile professionals in the Middle East who want thoughtful, planning-led advice rather than product-led advice.
This includes:
- British expats with pensions, retirement, tax, and estate planning questions
- Americans abroad, and internationally mobile professionals with US retirement accounts such as 401(k)s, IRAs, and Roth IRAs
- South Africans and Europeans managing wealth across countries
- Lawyers, senior executives, and business owners with more complex cross-border 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
Why cross-border planning matters
Cross-border financial planning is rarely straightforward.
Many expats are dealing with multiple financial systems at once. A pension may sit in one country, tax exposure may arise in another, investments may be held elsewhere, and retirement may take place somewhere completely different.
That is where mistakes often happen.
A pension decision gets made without considering future residence. An investment recommendation is made without proper tax context. Insurance is arranged without considering estate planning. The individual pieces may look fine on their own, but they do not join up.
Josh built his approach around solving that problem.
His role is to help clients make better decisions by seeing the full picture and creating a structure that supports both their current life and their future plans.
How Josh works
Josh’s approach is planning-led, practical, and transparent.
He starts by understanding your current position, what matters most to you, where the risks are, and what a good outcome actually looks like. From there, he helps build a financial plan that brings together the areas that matter most, whether that is pensions, retirement, tax, investments, protection, estate planning, or a combination of these.
The aim is to:
- 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 a long-term financial plan.
Why clients trust Josh Clancey
Clients trust Josh because he combines technical knowledge with clear, practical advice.
He has advised on a wide range of cross-border financial planning issues and has written on financial planning topics for publications including the Financial Times, FT Adviser, Money Marketing, The National, and LexisNexis.
He continues to invest heavily in technical development because internationally mobile clients deserve advice that reflects the complexity of their lives.
Just as importantly, his approach is built on honesty, clarity, and joined-up thinking. That means clear communication, realistic expectations, and advice designed around the client rather than the product.
Speak to Josh Clancey
If you want help making sense of your pensions, retirement planning, investments, tax position, protection, or estate planning across borders, the best place to start is an introductory conversation.
Book your introductory call with Josh Clancey
Qualifications and professional memberships
Josh Clancey holds qualifications across financial planning, investment advice, estate planning, and trust-related matters. Professional memberships and qualifications include:
- Chartered Member of the Chartered Institute for Securities & Investment
- Full Member of the Chartered Insurance Institute
- Full Member of the Society of Will Writers
- Full Member of the European Financial Planning Association
- Diploma in Regulated Financial Planning
- Certificate in Securities Advice & Dealing
- Certificate in Discretionary Investment Management
- Certificate in Mortgage Advice
- STEP Advanced Certificate in Company Law and Practice
- STEP Advanced Certificate in Trustees’ Duties: Investment and Management of the Trust Fund
- FINRA Series 65 Uniform Investment Adviser
- Certificate in Will Writing & Estate Planning
Regulatory information
Regulatory and registration details include:
- Financial Conduct Authority individual reference number: JXC03513
- Skybound Wealth Management UK Limited: FCA number 217994
- Josh Clancey USA CRD reference: 8217337
- Skybound Wealth USA: CRD #313358 / SEC# 801-121157
- Skybound Wealth Management Limited is regulated by the Capital Market Authority in the United Arab Emirates. CMA registration number 608018
- Skybound Insurance Brokerage LLC is authorised by the Central Bank of the UAE. Registration number 251
FAQ
Who is Josh Clancey?
Josh Clancey is a Dubai-based UK and US-qualified expat financial adviser who helps expats in the Middle East with pensions, retirement planning, investments, tax, protection, and estate planning.
Who does Josh Clancey work with?
Josh works with British expats, Americans abroad, South Africans, Europeans, internationally mobile professionals, lawyers, senior executives, business owners, and families with cross-border financial planning needs.
What does Josh Clancey help with?
Josh helps clients with pensions, retirement planning, investment planning, cross-border tax considerations, protection planning, estate planning, and financial decisions involving more than one country.
Does Josh Clancey work with people who have US retirement accounts?
Yes. Josh works with Americans abroad and other internationally mobile professionals who have built up retirement benefits or investment accounts in the US, including 401(k)s, IRAs, and Roth IRAs.
Does Josh Clancey work with lawyers and business owners?
Yes. Josh works with lawyers, senior executives, and business owners who often have more complex cross-border planning, wealth structuring, tax, protection, and retirement considerations.
Where is Josh Clancey based?
Josh Clancey is based in Dubai and works with expats across the Middle East.
