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The information contained on Wealth Beyond Borders and provided in my books and guides is for general information purposes only. The information is provided by Wealth Beyond Borders and while we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

Through this website, you are able to link to other websites which are not under the control of Wealth Beyond Borders. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

Every effort is made to keep the website up and running smoothly. However, Wealth Beyond Borders takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.


This is NOT Regulated Financial Advice in either the UK, Canada, New Zealand, Australia or Spain – I am not a regulated financial adviser who makes specific and personal financial recommendations. I only provide generic information and provide my personal views on matters related to personal finances, and in particularly managing your finances as an expatriate. I make introductions to regulated professionals in your location in their respective field, so please do not action any suggestions without first speaking to a suitable professional. If you wish to make your own decisions and not rely upon professional assistance, you do so at your own risk.

Your Data – Given the nature of this website and my location (which is global), any data you provide me is managed and accessed by Wealth Beyond Borders anywhere in the world. I hold a UK data protection licence and adhere to the standards required to keep your data safe, but by providing your information, you give me permission to access this outside of the UK. You do not give me permission to share your data (for example, your email address) without firstly giving further express permission. Signing up to my mailing list does not grant this permission, this is only granting your permission for Wealth Beyond Borders to send you direct mail.


This privacy policy sets out how Wealth Beyond Borders uses and protects any information that you provide to Wealth Beyond Borders when you use this website.

Any personal information that you provide is only used in accordance with this privacy policy.

Managing your Data – Given the nature of the website Wealth Beyond Borders, your data can and will be accessed from outside the UK, outside the EU, and in theory, anywhere in the world. I frequently travel to locations discussed on the website which means that keeping in contact with you requires me to access any personal information you provide from anywhere in the world. I adhere to the UK data protection standards and do my utmost to keep your personal information secure.

Signing up to our mailing list – We collect your first name and email address when you sign up to our mailing list. By providing these details you grant Wealth Beyond Borders to contact you directly by email. I respect your privacy and your email address. You do not allow us to provide this information to any third parties.

Introduction & Financial Planning services – If you request that I provide referrals to professionals in your expatriate country, or to provide expatriate financial planning services, you will need to provide a greater amount of personal information than just your first name and email address. Before you do so, please request a copy of my service agreements which relate to these activities as further disclosure, and agreement from you, is required.


If I make introductions to other companies or services, then it is because I personally believe these companies will provide a good service to you. However, it is your responsibility to review these companies and ensure you are happy to use their products or services. I make no official endorsement.

I may or may not receive payment for these endorsements. If I do so, I will disclose this two you for the relevant product or service.


The Privacy and Electronic Communications (EC Directive) Regulations 2003 relate to the use of so called ‘cookies’ on websites – and how they store users’ details when they visit the sites.

All users visiting this website are given the option to not use cookies. A cookie is simply a small file that is downloaded onto a computer or mobile device when a user accesses this site. They are then sent back to us on subsequent visits, so we can recognise who is logging on. They are also used for online stores and other simple software to operate correctly.

In short, without them, some aspects of this website may not work. Cookies are also used for analytics software to help me improve the quality of service you receive on future visits to

More specifically, I use tools such as Google Analytics to review who visits my site and from where (via my different social media profiles etc.) and to track my advertising and marketing statistics.

By using my website, I assume you agree to the use of cookies. This website provides a good overview of cookies and how to disable them on your browser, and you can find out more about cookies at


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