Money in more than one country? Get one plan that accounts for all of it.

Before you commit to anything, get a clear, independent picture of how everything you hold, in New Zealand and elsewhere, actually fits together.

I’m Luis Silva, a licensed financial adviser (FSP1009370) working independently, not for a bank, an insurer, or a fund manager. Whether you’re holding investments or property offshore, drawing a pension from another country, or managing income across more than one jurisdiction, let’s build a plan around where things actually stand.

Cross-border tax rules are handled by your accountant or tax adviser in each relevant country; my role is to build the New Zealand financial plan around your full picture and make sure it lines up with what they’re telling you, not to replace their advice.

What this looks like in practice

• A full, honest picture of your assets, income, and obligations, wherever in the world they sit
• Clarity on how your overseas investments, property, or pensions fit into one coherent New Zealand-based plan
• An independent read on the gaps and risks created by holding money across more than one country
• Close coordination with your accountant or tax adviser in each relevant jurisdiction, so your plan and your tax position actually line up
• A written Statement of Advice, produced to Financial Markets Conduct Act 2013 standards, covering the New Zealand side of your plan