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Financial Planning & Advice

Our team of Financial Planners and professional advisers go beyond a traditional approach to bring you a fresh perspective across a range of financial planning services.

Take control of your future with expert financial planning

Our middle east team of Financial Planners consists of some of the most experienced and qualified professionals in the region, giving you confidence in your future, wherever that may take you.

As a wealth management firm, with the support of our in-house UK legal and UK tax partners, we’re able to provide integrated planning advice that covers the entire breadth of the financial market.

Over 40 years of experience

We work hard to form excellent client relationships, understand their aspirations and give the quality service and bespoke structuring they require to address their complex needs.

Global reach

With offices worldwide, we offer face-to-face services globally. Our extensive network of experts ensures that we are accessible and available to your needs wherever you are.

Speak to an expert in the middle east

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Financial planning services we offer

Progeny’s all-encompassing approach to financial planning ensures all your requirements are met by some of the sector’s finest minds. Below are just some of the services we offer.

Expat Pension Advice

Advice to help you make the most of your pension, wherever you are in the world.

Retirement Planning

Planning for your future is made easier with Progeny.

Strategic Financial Planning

Bespoke financial planning for your specific needs.

Wealth Succession

Securing your wealth for future generations.

UK Estate planning

Considering what happens to your estate when you pass away can be emotionally challenging. If you live overseas away from friends and family, it can feel an even more daunting task.

Taking control of your finances and putting a robust plan in place can be the cornerstone to a successful life overseas. Our planners, many of whom have lived and worked overseas themselves, can provide advice to you and your family wherever you are in the world and at whatever stage of life.

Our Financial Planning Process

First, we get to know you and understand your financial circumstances, your goals, values and aspirations. This helps us explore and narrow down suitable strategies for you.

We also begin the process of assessing your appetite for risk, need for risk and capacity for loss.

Next step: a full audit of your present position to ensure that we have a true and complete understanding of you, your family and your financial affairs.

Lifetime Cashflow Modelling is a vital part of what we do here. We use this tool to see into your future, removing some of the guesswork and allowing you to make informed decisions. It will help to identify whether you are on track to achieve your goals and what you need to earn and save, the level of returns needed and how much risk you can afford to take. It also helps us identify any contingency planning needs for ‘life’s unknowns’.

We create a robust financial plan dealing with your wealth, your investments, tax and contingencies. This will then be shared with you, ready for you to review prior to implementation.

We will carry out in-depth research and analysis to create a robust and thorough Financial Plan, which will incorporate the following areas:

Wealth Structure: How best to structure your wealth to meet your current and future lifestyle goals. This will include a review of your existing money purchase pensions, investments, ISAs and cash deposits.
Investment Strategy: How best to structure your investable assets to manage risk and maximise returns to help increase the likelihood of achieving your goals and aspirations.
Tax Planning: How best to maximise the use of all available Income Tax, Capital Gains Tax and Inheritance Tax allowances with the view of minimising taxes.
Contingency Planning: How best to ensure that your wealth can weather the storm through life’s unfortunate events. We will review all your protection needs. Where there is a requirement to engage the services of a UK solicitor or accountant, we may introduce you to Progeny Law & Tax Limited.

These elements will then culminate into the creation and delivery of a personalised full financial planning report that includes your strategic plan, together with the rationale and evidence to support the suitability of our advice and recommendations.

Proper financial planning is not a one-off event. Our ongoing advice process ensures that you stay on track and achieve your life goals in an ever-changing world.

This is a dynamic and evolving process to ensure that you meet your goals and aspirations. Your plans will have to adapt to changing conditions and circumstances along the way, and for this reason, people need ongoing advice, counselling and support.

Our ongoing Advice Service is designed to work with you in an open, transparent and collaborative way. We aim to give you a clear picture of your current position and financial progress based on your stated goals and aspirations.

We will issue a comprehensive Review Meeting Report covering our discussions and recommended actions. In this, we will cover:

Utilising available allowances, legislative changes, Income Tax planning, Capital Gains Tax planning and Inheritance Tax planning.

Reappraisal of the ongoing suitability of existing plans.

Any top-ups to existing ISAs, pensions and investments that we may recommend.

Finally, where required, we will liaise with your accountant and/or solicitor.

Tailored strategies to help you achieve financial freedom

With decades of experience, working with both UK and international clients, our expert team have dealt with a wide variety of complex requirements, with the aim of helping people achieve financial freedom.

We offer an exclusive service, driven by individual circumstances, putting you at the centre of everything we do.

It begins with a full analysis of your circumstances, needs and existing assets, to get the deepest understanding of you and your world.

From there, we can create a bespoke strategy, with tailored recommendations to improve and enhance your portfolio, whilst also suggesting ways to minimise costs.

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Please note:

Any information on this website relating to services and products is of a generic nature, are not specific to an individual’s personal circumstances and should not be taken as advice or recommendation. Any tax treatment is dependent on the individual circumstances of each client and may be subject to change in future. You should seek professional advice before making any financial decisions.

This communication is not investment advice. The value of investments and income from them is not guaranteed, can fall, and you may get back less than you invested. Your capital is therefore always at risk. Past performance is not a guide to future performance. If you invest in currencies other than your own, fluctuations in currency value will mean that the value of your investment will move independently of the underlying asset.