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This site shares educational articles and anonymised, illustrative case studies on cross-border planning topics such as residence, pensions, estate planning concepts and UK and UAE tax basics. It is not a service brochure and nothing on it is advice.
I'm James Spence, Chartered MCSI, Partner, Family Office and Private Client Adviser at Neba Private Clients (head office Dubai). I am based in Abu Dhabi. This site shares educational articles and anonymised case studies on cross-border planning. It is not a service brochure. Any advice is given only through Neba Private Clients, after a full fact-find and under a signed client agreement.
Details of Neba Private Clients' services and fees are on nebaprivateclients.com.
Articles on this site explain general concepts and do not recommend any product, provider or course of action. Any examples are illustrative only. Tax rules depend on individual circumstances and may change. Speak to a regulated adviser about your own circumstances.
Most of the families I work with are UK or UAE expats, or internationally mobile families with homes, pensions, businesses and children spread across more than one country. My role is to help them see the whole picture and understand how the pieces fit together. The areas I help with include:
Cross-border and expat planning: making sense of residence, tax and investments when life spans the UK, the UAE and beyond.
Retirement and pensions: understanding UK and international pensions, how they fit together, and the options for drawing an income later in life.
Estate and legacy planning: wills, trusts and inheritance tax, and how wealth might pass smoothly to the next generation.
Protection: life, critical illness and income protection for families, and keyman cover for business owners.
Family office support: helping families with more complex affairs organise reporting, governance and the specialists they rely on.
UK return planning: what to think about before moving back to the UK, from timing and residence to pensions and investments.
In every case the starting point is the family's own goals and circumstances, not a product.
Any advice is given only through Neba Private Clients, after a full fact-find and under a signed client agreement.
Educational only, not advice. James Spence is a Partner, Family Office and Private Client Adviser, with Neba Private Clients. This website is published for general educational information only. Nothing on it is an advertisement, an offer, a recommendation or personal financial, tax or legal advice, and it should not be relied on as such. Tax rules depend on individual circumstances and may change. The value of investments can fall as well as rise. Case studies are hypothetical or anonymised composites and do not describe real clients or predict outcomes. Advice is only given after a full fact-find, under a signed client agreement with Neba Private Clients. Not directed at persons in any jurisdiction where its publication would be unlawful, including the United Kingdom.
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