Three decades of working with clients taught me something unexpected: the people who struggle most with retirement aren’t those with insufficient funds—they’re the ones who can’t translate their financial security into a clear vision for their future.

Perhaps you recognise this pattern. You’ve accumulated substantial assets, your pensions are solid, and by every conventional measure, you’re ready to retire. Yet when it comes to deciding where and how to spend these years, you find yourself paralysed by possibilities. Should it be Portugal or Spain? Thailand or Vietnam? What will your money actually buy in each location? How do you navigate healthcare systems, visa requirements, and the dozens of practical details that determine whether a retirement abroad succeeds or fails?

The internet offers endless information but precious little wisdom. Every blog contradicts the last one. Facebook groups overflow with opinions but lack personalised guidance. You’re drowning in data whilst starving for direction.

That’s precisely why I’ve built my practice around a single focus: transforming confusion into clarity, then clarity into action.

What I Provide

My work centres on Retirement Clarity Sessions—intensive consultations designed to cut through the noise and deliver concrete answers to the questions that actually matter.

During our 90-120 minute session together, we’ll address three fundamental issues that determine whether your retirement abroad will thrive or merely survive:

First, we’ll establish financial reality. I’ll analyse whether your budget genuinely supports the lifestyle you’re envisioning—not based on optimistic assumptions, but on actual costs I’ve verified through years of international living. You’ll discover exactly what your money buys in different locations, where you might be underestimating expenses, and where you’re likely overestimating them.

Second, we’ll identify your optimal location. This isn’t about finding the cheapest destination or following the latest trend. It’s about matching your specific priorities—climate preferences, healthcare requirements, community needs, cultural interests, and proximity to family—with locations that genuinely deliver on those criteria. I’ll recommend two or three specific places with detailed rationale for each, so you can make an informed choice rather than an anxious guess.

Third, we’ll create your implementation roadmap. Vague intentions don’t lead to successful relocations—structured plans do. You’ll receive a phased action plan covering the next 12 months, from exploratory visits through visa applications to your actual move and settling-in period. Every step will be specific, sequenced, and achievable.

Within three to five business days following our session, you’ll receive a comprehensive personalised report running typically 20-25 pages. This document includes your complete financial assessment, detailed location analysis with cost breakdowns, practical guidance on visas and healthcare systems, and your customised 12-month roadmap. Most clients tell me they refer to this report weekly as they execute their plans.

Why This Approach Works

Professional financial expertise spanning three decades. I’ve helped hundreds of clients navigate complex money decisions throughout my career. I understand pension structures, tax implications, currency risks, and sustainable withdrawal rates. When I assess whether your retirement vision is financially viable, that assessment rests on genuine expertise, not guesswork.

Authentic international experience from actually living abroad for over 40 years. I spent the 1980s and 1990s working throughout the Middle East—UAE and Saudi Arabia—then transitioned to Southeast Asia from 2005 onwards, living in Vietnam, Thailand, Cambodia, and Hong Kong. Today I’m based in Ho Chi Minh City, planning my own permanent retirement in the region. This isn’t advice derived from research or short-term travel. Every recommendation I make reflects real understanding of what international living actually entails—the challenges, the adjustments, the unexpected delights, and the practical realities that determine daily quality of life.

Peer perspective from sharing your life stage. At 64, I’m navigating the same transition you’re considering. I’m not a young digital nomad offering theoretical advice about retirement. I’m your contemporary, bringing both professional credentials and personal experience to the exact questions you’re wrestling with. I understand the concerns about healthcare access, the anxiety about distance from family, the fear of making an irreversible mistake. These aren’t abstract issues for me—they’re decisions I’m making myself.

What Makes This Different from Traditional Financial Planning

I’ve eliminated product sales entirely. Two years ago, I made a deliberate decision to stop offering investment products, insurance policies, or any commission-generating services. My sole income derives from advisory work—Clarity Sessions and ongoing support packages. This fundamental shift means my recommendations serve only one purpose: helping you make the best decision for your circumstances. There are no hidden incentives, no conflicts of interest, no situations where my financial benefit contradicts your best interests.

I’ve removed the relationship risk that comes with product performance. When financial advisers sell you investments, your relationship with them becomes tied to market performance. If those investments underperform, you’ve not only lost money—you’ve potentially lost trust in someone you considered a friend. By focusing exclusively on guidance rather than products, I’ve eliminated that dynamic entirely. Your satisfaction depends solely on the quality of my advice, not on factors neither of us can control.

I provide practical implementation guidance, not just financial analysis. Traditional financial planners excel at optimising your investment portfolio and minimising your tax liability. That’s valuable work, but it doesn’t answer the questions that actually keep you awake at night: Which visa should I apply for? How do I find a trustworthy doctor who speaks English? What does it feel like to live somewhere where I don’t speak the language? How do I make friends in a new country at 60? These practical realities determine whether your retirement abroad succeeds, and they’re precisely what I help you navigate.

Who Benefits from This Service

You’re likely somewhere between your mid-50s and mid-60s. Your career has been successful, your finances are solid, and you’re ready for something more fulfilling than simply stopping work. The idea of retiring abroad appeals to you—perhaps strongly—but you’re not impulsive. You want to make an informed, well-planned decision.

You’ve probably been researching this possibility for months, possibly years. You’ve read countless blogs, watched dozens of YouTube videos, joined multiple Facebook groups. The information you’ve gathered is extensive, but it hasn’t brought clarity. If anything, you’re more confused now than when you started. Every source contradicts the others. Every option seems to have equal merit and equal risk.

You’re concerned about making an expensive mistake—not just financially, but emotionally and socially. You worry about choosing the wrong location, underestimating costs, struggling with visa bureaucracy, finding yourself isolated and lonely thousands of miles from home. These fears are entirely reasonable, and they’re precisely what prevent many people from ever moving beyond research into action.

What you need is someone who combines financial expertise with genuine international living experience. Someone who’s navigated the visa processes, found reliable healthcare providers, built community in foreign countries, and dealt with all the practical challenges that glossy travel blogs conveniently omit. Someone who can assess both whether your plan is financially sound and whether it’s practically achievable.

If this description resonates with you, we should talk.

Ready to Move Forward?

Book a Retirement Clarity Session and transform months of confused research into a clear, confident action plan. The investment is £295 for the session and comprehensive report—a fraction of what you’d spend on a single exploratory trip, and far less than the cost of making an uninformed decision.

Many clients tell me this single session saved them months of additional research and helped them avoid mistakes that would have cost thousands of pounds. More importantly, it gave them the confidence to actually move forward rather than remaining stuck in endless analysis.

Book Your Clarity Session