Professional Certifications

Chartered Financial Planner (APFS)

European Financial Planner (EFPA)

My background

I have been a financial adviser for my whole career and have spent the past 20 years working with expatriates and international executives.

I specialise in helping those that are close to retirement (typically within 5 years) to get their financial ducks in a row.

I genuinely love the challenge that comes from helping clients plan for and transition into retirement. Whether it is advising them on the options available through legacy pension schemes, addressing complex estate planning needs or evaluating cross border assets and tax liabilities.

After all these years this is what keeps me getting up in the morning (well, that and my dog).

Originally from Edinburgh, I have also lived in Munich and London. I now live in Warsaw, Poland.

Outside of the office, I spend as much time as possible with my young family. I also like to spend time in the gym and make a mess in the kitchen.

About the Retirement Starts Today blog

Albert Einstein once said, “If you can’t explain it to a six-year-old, you don’t understand it yourself.”

The main reason that I started the blog is to try to explain the complexities of international retirement planning in a way that everyone can understand.

Both the economy and the financial markets are complex adaptive systems, but I don’t believe that complex problems necessarily require complex solutions.

Instead, I have found common sense and self-awareness to be extremely underrated qualities in the world of finance.

One of the biggest unanticipated benefits of starting this blog is that it continues to make me a better financial adviser.

I’ve learned so much through the writing process, not only from my own research but also through feedback from readers.

Please feel free to contact me with any comments or questions – contact@rossnaylor.com.