How much money do I need to retire?

Retirement needs depend on lifestyle and location. Use personalised planning and calculators to estimate required savings for your situation.

Should I get financial advice?

Financial advice is recommended for complex pension and retirement decisions to ensure plans are tailored to your circumstances.

Should I save in an ISA or a pension?

Pensions generally offer tax advantages for retirement, while ISAs provide flexibility — many advisers recommend a mix depending on goals.

Financial planning for expats with pensions, investments and cross-border decisions

Josh Clancey helps British, Australian, South African and other internationally mobile expats in the Middle East make confident decisions about pensions, retirement, investments, tax coordination, protection and estate planning.

When your financial life spans more than one country, the right answer is rarely found by looking at one product or one decision in isolation.

Clear, independent advice built around the decisions that matter most to you.

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As featured in

Pensions & retirement planning

UK pensions, retirement income and decisions you may not get a second chance to make

Investments

Investment strategy built around your goals, tax position and future spending

Tax planning

Coordinating financial decisions before tax becomes an expensive afterthought

Cross-border planning

Bringing pensions, investments, property and future country moves into one plan

Estate and family planning

Making sure wealth, pensions and family arrangements work if life changes

Protection

Protecting income, family security and long-term plans if something goes wrong

Pensions & retirement planning

UK pensions, retirement income and decisions you may not get a second chance to make

Investments

Investment strategy built around your goals, tax position and future spending

Tax planning

Coordinating financial decisions before tax becomes an expensive afterthought

Cross-border planning

Bringing pensions, investments, property and future country moves into one plan

Estate and family planning

Making sure wealth, pensions and family arrangements work if life changes

Protection

Protecting income, family security and long-term plans if something goes wrong

Pensions & retirement planning

UK pensions, retirement income and decisions you may not get a second chance to make

Investments

Investment strategy built around your goals, tax position and future spending

Tax planning

Coordinating financial decisions before tax becomes an expensive afterthought

Cross-border planning

Bringing pensions, investments, property and future country moves into one plan

Estate and family planning

Making sure wealth, pensions and family arrangements work if life changes

Protection

Protecting income, family security and long-term plans if something goes wrong

Financial planning for the decisions that matter most

Whether you are building wealth, reviewing existing pensions and investments, or planning for retirement, Josh Clancey helps you make confident financial decisions with a clear plan for what comes next.

UK pensions and retirement planning
Investment planning
Tax planning
Cashflow modelling
Estate and family planning
Protection and insurance planning

Whether you are building wealth or reviewing what you already have, a clearer plan starts with the right conversation.

Book a call

Are you on track?

Use these tools to get an initial sense of where you stand. They can help you ask better questions, but they cannot replace advice that considers your pensions, investments, tax position and wider plans together.

Retirement readiness calculator Investment growth calculator Portfolio reviewer See all tools

What my clients say

The correct plan
signed, sealed, delivered

"I cannot recommend Josh highly enough. He has gone above and beyond to support me through an incredibly complex and emotionally challenging time following the death..."

Anjali K Read testimonial

"He has gone above and beyond in helping us to improve our financial situation and we could not recommend him highly enough...."

Chris & Jane Read testimonial

"Josh never puts one under pressure to make a decision, you make your decision when you are comfortable with the facts. Therefore I can certainly recommend talking to Josh..."

Brian P Read testimonial

"What really stood out was how he brought in a top estate planner and tax adviser to make sure every angle was covered..."

James H Read testimonial

"I’ve dealt with my fair share of advisers - but none like Josh. His approach was practical, transparent, and focused entirely on what was best for me..."

Gavin P Read testimonial

"Working with Josh was a completely different experience - refreshing, professional, and genuinely client-focused..."

Farah R Read testimonial

"For the first time, I could actually see how my financial future looked - clearly, visually, and realistically..."

Diarmuid H Read testimonial

"I can honestly say working with Josh has been a financial game-changer. He helped me transfer my pension out of a tax-inefficient scheme into an International SIPP..."

Mike L Read testimonial

"Josh has been a great support across several areas of my financial planning. He helped me put key person cover in place, has guided me with my estate planning, and is now working with me on optimising my..."

Shadi M Read testimonial

"I’ve had the pleasure of working with Josh Clancey at Indigo Financial Analysis as my financial advisor, and I highly recommend his services. He brings a thoughtful, knowledgeable approach..."

Carrie M Read testimonial

"I have been working with Josh for some 2 months now, and am very happy with his services. Josh’s ethos is very ethical, and his way is to bring the best possible service to his clients; and not sell something that would only benefit himself..."

Rodney W Read testimonial

"He is very personable, refreshingly open and very knowledgeable. He is a family man working very hard to help his clients achieve their financial goals. He listens and works at your pace which is paramountly important to us. Don't take our word for it, reach out yourself, get to know him. You can thank us later. "

Dave & Val Read testimonial

"I cannot recommend Josh highly enough. He has gone above and beyond to support me through an incredibly complex and emotionally challenging time following the death..."

Anjali K Read testimonial

"He has gone above and beyond in helping us to improve our financial situation and we could not recommend him highly enough...."

Chris & Jane Read testimonial

"Josh never puts one under pressure to make a decision, you make your decision when you are comfortable with the facts. Therefore I can certainly recommend talking to Josh..."

Brian P Read testimonial

"What really stood out was how he brought in a top estate planner and tax adviser to make sure every angle was covered..."

James H Read testimonial

"I’ve dealt with my fair share of advisers - but none like Josh. His approach was practical, transparent, and focused entirely on what was best for me..."

Gavin P Read testimonial

"Working with Josh was a completely different experience - refreshing, professional, and genuinely client-focused..."

Farah R Read testimonial

"For the first time, I could actually see how my financial future looked - clearly, visually, and realistically..."

Diarmuid H Read testimonial

"I can honestly say working with Josh has been a financial game-changer. He helped me transfer my pension out of a tax-inefficient scheme into an International SIPP..."

Mike L Read testimonial

Shadi M Read testimonial

"I’ve had the pleasure of working with Josh Clancey at Indigo Financial Analysis as my financial advisor, and I highly recommend his services. He brings a thoughtful, knowledgeable approach..."

Carrie M Read testimonial

Rodney W Read testimonial

Dave & Val Read testimonial

"I cannot recommend Josh highly enough. He has gone above and beyond to support me through an incredibly complex and emotionally challenging time following the death..."

Anjali K Read testimonial

"He has gone above and beyond in helping us to improve our financial situation and we could not recommend him highly enough...."

Chris & Jane Read testimonial

"Josh never puts one under pressure to make a decision, you make your decision when you are comfortable with the facts. Therefore I can certainly recommend talking to Josh..."

Brian P Read testimonial

"What really stood out was how he brought in a top estate planner and tax adviser to make sure every angle was covered..."

James H Read testimonial

"I’ve dealt with my fair share of advisers - but none like Josh. His approach was practical, transparent, and focused entirely on what was best for me..."

Gavin P Read testimonial

"Working with Josh was a completely different experience - refreshing, professional, and genuinely client-focused..."

Farah R Read testimonial

"For the first time, I could actually see how my financial future looked - clearly, visually, and realistically..."

Diarmuid H Read testimonial

"I can honestly say working with Josh has been a financial game-changer. He helped me transfer my pension out of a tax-inefficient scheme into an International SIPP..."

Mike L Read testimonial

Shadi M Read testimonial

"I’ve had the pleasure of working with Josh Clancey at Indigo Financial Analysis as my financial advisor, and I highly recommend his services. He brings a thoughtful, knowledgeable approach..."

Carrie M Read testimonial

Rodney W Read testimonial

Dave & Val Read testimonial

Trusted expat network

I’m the proud Founder of the Trusted Expat Network - a network of like minded professionals whose primary objective is to build lasting client relationships through tailored, quality advice.

James Heathcote

Trusts, foundations and estate planning, international relocation, particularly UK and UAE inbound and outbound, business (re)structuring, especially in preparation for an exit.

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Josh Eaton

Asset holding structures (including trusts, foundations, and private family companies), cross-border succession and estate planning with wills, UK tax advice matters,

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