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Welcome To Expats Guide To Financial Matters Prepare now for life's journeys. 

DipFA And CIIAward Graham Foxwell.  

I have been working in the financial services sector for over 25 years now, with a background in banking, working for Sumitomo Mitsui Banking Corporation in the City of London.  


I moved onto personal financial planning for Expatriates living and working in the Middle East and worldwide.

Having spent over 20 years working as a financial planner abroad, learning and understanding what financial planning entails, I use my experience and knowledge to enhance and improve my clients' needs and requirements.


Unfortunately, what I have found in all the years working as a financial planner abroad, is the vast majority of so-called financial advisors abroad, work off commission-based products, giving bad advice to suit their needs and pockets. My aim is to find the correct products that suit the client, rather than the advisor.

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Remember, financial planning is not only about investments, but getting the foundations of financial planning in place, such as, Wills, Estate Planning, Life Insurance/Critical Illness, Education Planning, Savings, Pension Planning and then Investments.  


The way I get paid is from the product providers directly rather than commission from the client. I am totally independent, and therefore, not stuck to any one provider allowing me the opportunities to find the best product that suits the Clients requirements. 


A big part of my goal is to educate people on the simplicity of financial planning, allowing them to do it themselves. For instance, when it comes to investing, I will educate them, and show them the correct funds to invest in. e.g. Index funds, iShares, Vanguard and ETFs. 


One thing is for sure, no one strategy fits everyone. 


I deal with every nationality, people from all walks of life and different religions. There are no differences, we are all equal and the same applies to Financial Planning. 

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