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International Financial Advice

Holborn Assets is an independently owned global financial advisory group based in the UAE.

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Services We Offer

In the Western World there is an ageing population that will bring even more pressure.
Without sound financial planning the consequences of any of the above can be disastrous.
A personal financial plan reviewed regularly will make a major difference to the achievement of your goals.
We source from the whole of the market, which means we offer a wide range of products and services.
Putting money aside and ensuring it's working for you is a guaranteed way to achieve your financial goals.
Writing a Will should be essential for most people. Holborn Assets have help on how you can do it right.
Our team has extensive experience covering a wide range of business activities.
Holborn is pleased to offer a professional, efficient and cost-effective service to individuals and corporations.
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Financial Advice for Expats

Holborn Assets is a leading international financial services company. We have associations with the industry’s leading institutions that bring together the investment expertise of a select group of international money management firms – all of whom are known throughout the industry for their experience and strong track records.

Holborn Assets specialise in Personal and Corporate Wealth Management, offering a full range of financial solutions to meet the needs of the International market. We provide the expertise and resources that your wealth deserves. Our approach is traditionally conservative, focusing on a strong balance between opportunity and risk, yet always seeking to enhance performance.

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Latest News

UAE Dirham up 15% on British Pound since Brexit
August 21, 2017
Since the Brexit vote last year, the British Pound has taken a beating from every singl...

Which UAE Will should I get - DIFC or Dubai Courts?
August 19, 2017
Expats in the UAE who need a Last Will and Testament can get a DIFC Will with the Wills...

A History of the US Dollar
August 17, 2017
As the reserve currency of the world, the history and behaviour of the US dollar is key...

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Meet the Team

Our team is split across multiple divisions, which reflect the markets we serve and helps us to focus expertise in the best way.

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What Our Clients Say

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I have known and worked with Janet for over 10 years now. In fact she “inherited” me after one of her colleagues left the UAE. In that time, I have always found Janet helpful, professional, organized and responsive with my financial planning needs. She has a lot of patience, and with that patience gets through good advice for the future.Mark Rogers Managing Director Intagulf FZCO / IDS – Dubai
Professional, Organized and Responsive
I met Stuart on one of his trips to Auckland (New Zealand) and he worked with me to transfer my UK-based pension into a QROPS. I found him to be fantastically professional, highly knowledgeable and a very nice guy to boot. Trust is hard to come by when you're dealing with significant amounts of money that is important to your family, but he went above and beyond to ensure that I was comfortable with what I was doing, knew all the steps involved and that there was nothing hidden from view.It says a lot that I continue to hear from him even after the transfer, so his service is far more than just transactional. I enjoyed his company so much I even invited him over to meet my family over a beer. He still hasn't done taken me up on that, but I won't hold it against him.I'd have no hesitation in recommending Stuart to anyone who is looking to transfer their pension. He has a rare mix of knowledge, expertise and likeability that's hard to beat.
Ian Howard , Head of Strategy at Interbrand
'Paul Tate is a well knowledgeable financial adviser with good global analytical skills both for investments and financial savings on large/small scale.' 
 Sylvia Kwagala Travel Consultant March 2, 2016
Global analytical skills
'I was introduced to Gavin Webster when we moved to Dubai and after taking many phone calls from different companies and meeting a couple of people, I for sure felt most comfortable investing my family's money with Gavin.  Gavin is what I like a financial advisor to be, which for me include quick to get back to you when needed, someone you can trust implicitly and someone who will make you aware of potential opportunities but never in a pushy manner.  As a result I have continued to increase my investments in not the best of times, and feel very confident for the long term.'David Wheeler Managing Director JTI Dubai April 2, 2016
Someone you can trust implicitly
'As a first time investor, I was introduced to Sam Ebbs through friends and completely trusted him to steer me through the complicated world of financial investments. With no hard sell and a down to earth approach, Sam and I agreed upon a plan which worked for my needs and my budget. Additionally, Sam led me through any changes to the portfolio as we went along in order to maximize my investment. For a small monthly amount (which I hardly missed) when the plan cashed in I received a lovely lump sum, giving me the extra funds I needed to secure my dream property.  Thank you Sam!'Andrea Richards Dubai March 30, 2016 
Completely trusted him
‘We have worked with Gavin Webster since 2004 and have thoroughly appreciated his complete integrity, professionalism and approachable style.The task of medium to longer term financial planning can seem very daunting – particularly when living as an expatriate in a region which has relatively little financial regulation. The advice and support that we have received from Gavin over the past 12 years has considerably eased this stress. He has guided us through our planning process and supported us in the transfer of corporate pensions to a QROPs schemes.Gavin has listened to our needs and responded with options which completely match these needs. We look forward to working with Gavin for many years to come would have no hesitation in recommending his services as a Personal Wealth Manager.'John & Catherine Bentley PowerBase Consulting Dubai March 29, 2016
'Joe Capaldi is one of the most experienced Financial Advisers in the Middle East. . . a refreshing way of looking at financial planning. . . a master of clarity.'
Anthony Harris Former British Ambassador to the UAE Dubai January 15, 2016
A master of clarity
'Having always worked in the UK until 2010, at the age of 59 I accepted a position in Athens.  At that time I had two pension pots in the UK which were effectively frozen.   During 2015 I engaged into a dialogue with Sean Franks at Holborn Assents who explained to me the considerable advantages of combining the two pots into one QROPS.  It was obvious from the start that Sean is an expert in this field and his ability to explain how QROPS work and the benefits involved in layman terms was excellent.  It was also clear to me that Sean’s sole objective was to provide the client with the right product and took much time to talk things through with me.  I would readily recommend Sean to anyone needing advice on pensions for expats.'Tony Westbrook Ship Broker, Athens, Greece
Expert in this field
“Knowledgeable, transparent, concise with an ability to communicate complex tax and financial issues clearly are a few of the factors that make Keren Bobker an exceptional advisor. Having been introduced to Keren whilst trying to recover from  mis-sold products by one of Dubai’s numerous “wealth managers” Keren has not only helped resolve that issue but over a period of 8 years has also provided invaluable guidance which has helped us achieve a level of financial security that means we return to the UK with an amazing start to our new lives.”Jason Cronin Operations Manager Dubai June 2013
Invaluable guidance
Keren Bobker has provided me with clear and ongoing advice concerning my pension and personal investments for a number of years. As my pension and investments require different approaches, she has covered both with great results. I have happily recommended Keren to my friends for their investments and financial advice.”Pal Patel Design Director at Capita Symonds Dubai August 2013
Clear and ongoing advice

'Having worked with Stuart Bichard and knowing his integrity, honesty, professionalism and financial services experience, I had no hesitation in instructing him to look at my UK frozen pensions. Stuart provided an excellent service combining all my pension funds into one easily managed product, a QROPS, which is gaining in value for the first time in years. Stuart provided a product to suit my individual needs with great flexibility for the future. I wish I had done it years ago. Stuart’s knowledge and understanding of the international pension market really is superb.'

Craig English Managing Director, Lannhill Real Estate July 30, 2015 
Excellent service
'Being an expat I was keen to find out what value I had in my pensions in the UK. I was recommended Stuart Bichard from Holborn Assets.  Stuart's knowledge and advice was so helpful, and within a few weeks, I knew the value of my pensions and all my options. Moving forward, I will have no hesitation in continuing to use Stuart.'Helen Bamber Talent Acquisition Account Lead at Al Futtaim Dubai June 17, 2015
Pension value
'With my wife being from the UK, we were aware that she had various frozen pensions in England. We were unsure how to find out the values, who the providers were and we did not know what we could actually do with them.  I contacted Stuart Bichard from Holborn, and he explained everything extremely professionally. We both fully understood our position and the benefits of both QROPS and SIPP pension schemes. We signed a letter of permission with Stuart and within weeks we knew exactly the value of the frozen pension money we had in the UK, and rather than the funds being in lots of different pots, we consolidated them all and moved them offshore. We were both so pleased with the advice and service, we will both continue to use, and of course recommend Stuart.'Bilal Hamoui Chief Commercial Officer Thuraya Telecommunications Company Dubai July 30, 2015
Value of frozen pension money
'George Ball gives great financial advice, and his strength lies in his ability to simplify complicated financial plans. He talks you through plans in simple terms, with examples, which helps me greatly in making critical decisions with full confidence. I am very technical, yet in the world of financial planning and investment, I consider myself as illiterate. I appreciate his financial advice, help, patience and fruitful recommendations. Now, having given my professional recommendation on George, I would like to give my personal opinion; I believe he is a great lad, with a good heart and sound financial knowledge and experience.'Khalid Eissa Independent Environmental Services Professional
Great financial advice
'George Ball has been working with myself and the team for quite a while now. He's extremely helpful and always seems to go the extra yard.  He has helped us all with our financial planning and we all feel a lot more comfortable in our situations. I would strongly recommend him and his company.'Paul Evans Owner of Solutions Leisure
Extremely helpful
'George Ball  has been working with me on my financial planning for the last six months, specifically helping me get a strong and suitable retirement savings plan in place as well as Critical Illness and Life cover. At every meeting George has always been very clear and talked me through all of the options available. No question was ever a silly question and I always felt comfortable having open and honest conversations with George about my needs and views on the proposals offered. I have also been very impressed with George's ability to deliver everything that was committed to in our meetings as well as always coming back quickly and promptly. I would not hesitate to recommend George to my friends and colleagues in the future.'Michelle Gray General Manager - Juicy Couture at Majid Al Futtaim 
Open and honest conversations
'We used Michele Carby and she is world class.   I have always been wary of financial advisors and have had bad experiences. With Michele I saw in her a mother, a person who cares more for her clients rather than the goal of making money.  Michele is concerned for the good of her clients which for me is what sold me to use her.  Give her a try, you won't regret it.'Louis James Hutton 
World class
'Janet Knight is a huge credit to Holborn Assets.  It was a pleasure meeting Janet four years ago.  Janet took the time to find out our needs, helped us choose the best packages with the best benefits and has continued to deliver ever since. Janet's knowledge of her services and ability to match them to our needs has certainly made a huge difference to our accounts today. It has been a joy doing business with Janet and we look forward to many more years to come. We have highly recommended Janet to many friends who have also been pleased with her wonderful expertise and service.'Sue and Barry Shields 
Wonderful expertise and service
'Janet Knight has been our financial adviser for almost two years now.  She provides a very good service with her methodical approach, preparedness, patience and reliability.  She is always approachable, accessible and friendly and we can recommend her very highly.'Ian and Monica Brough
Methodical approach
'Janet Knight has been my financial adviser for over five years now.  She always goes that extra mile to work out a bespoke financial solution for each of her patrons and is always contactable in times of hardship. It is not until an unusual situation arises that you truly understand a person's wealth of experience, professionalism, sheer tenacity, bargaining ability, and steadfastness.A recent health issue resulted in me calling on my Critical Health Insurance (not something you expect to do). At a time where you are very ill, vulnerable, stressed and depressed, having someone organize the payment with the Insurance company allowed me to concentrate on the treatments I needed to undertake. Words cannot describe Janet's competence, proficiency, and know-how in this field, and that of financial planning. Please, please make sure you have Critical Life Cover and that Janet is acting on your behalf - you will not regret it!'Brenda Bowland 
Wealth of experience
'I worked with Anthony Murray on the transfer of my corporate pension to a QROPs while being based in Dubai. It was a difficult decision due to the large number of complex personal and international, tax and legislative issues that need to be identified, assessed and processed. Throughout the process I worked closely with Tony and the Holborn Assets team who together took me through the options, transfer details and establishing of my portfolio. At all times I felt that I was working with a professional organization that was looking after my interests.The approach from Anthony and the Holborn Assets team was in contrast to the high pressure sales approaches from Holborn’s competitors which ranged from senior partner "advice" through to recently graduated junior advisors who knew nothing about my requirements. The lack of financial regulation in this region makes taking professional advice even more difficult, but the Holborn team did stand out when compared to the other six organizations I approached.'David Jamieson
Professional organization
'I would like to give my sincere gratitude to Anthony Murray, financial adviser at Holborn Assets. I have been working and living in Dubai for the past few years without consideration to my future from a financial perspective.I have known Mr Murray for the past five years and during that time we have had several meetings to discuss financial options suitable for my current financial situation, but I was skeptical and nervous to make such commitments.Mr Murray has always been professional and patient at providing different options with details presented in a format I could understand as a non-finance person. In the past three years I have transferred my pension from the UK off shore. I have taken out savings plans and made changes to my lifestyle to make sure each month the plan is being managed. I am currently looking at saving a lump sum for investment. The decision to take my future finance security in hand has given me great confidence and has changed my attitude towards life and what is important now and in future.As time passes I feel more secure, confident and happy as I can see my savings and investment grow. I would never have made this decision if it was not for Mr. Murray's persistence and patience in making me see the benefits of thinking about my future financial needs. I have become a great advocate and try to advise my colleges to do the same.'Bill McKenna Principal Consultant Epicor Software Dubai Office 
Providing different options
'I would like to record how happy I am with the services that Paul has provided me. Firstly, I very much appreciated his professional but also friendly and patient manner; the time that he spent corresponding with me, not just by email but also by telephone to explain all of the options available to me.Secondly the service provided by the administration/support staff has been excellent. In particular the time that Paul and his team spent chasing down my numerous pensions and then clearly illustrating the options that were available to me. The advice was clear and concise but not in any way "pushy" or "selling".The whole experience was easy, enjoyable and professional. I have no doubt that I will use Holborn Assets' services again and would recommend Paul to anyone seeking advice or options with regard to future investments/savings or existing/future pensions.'Brendan Bird, MCIOB
Advice was clear and concise
'Paul has been acting as my Wealth Manager for several years and I am very satisfied with his advice and guidance. He is attentive about the needs of me and my family; passionate about the financial services industry and extremely professional in his approach.Since seeking Paul’s advice, I feel much more in control of my financial destiny and I am confident that the future of my family is also much more secure. Paul is friendly and easy to deal with but is also not afraid to give you a gentle push when needed.'Darren Balls Head of Building, DMCC 
Extremely professional approach
'In the time that I have known Paul he has shown a deep knowledge of his profession, the industry in the Middle East and the products available to support his clients in their financial planning needs. More importantly he takes the time to understand his clients' goals and objectives and is sensitive to their circumstances. He is always cheerful, professional and a pleasure to deal with and I would recommend him to any potential clients.'David Eadie Director Seriti - Middle East
Sensitive to circumstances
'Paul is a creative thinker. He was able to look at my existing financial planning arrangements and immediately come up with several ways in which greater value could be created for me and my family for no extra cost. He is particularly concerned to grow long term relationships with his clients. It is reassuring that he follows up with me on a regular basis to ensure that my needs are being met by existing arrangements. There is no hard sell with Paul. He is always concerned that clients' understand their wealth planning arrangements and the impact of any proposed changes before they are implemented. This is such a breath of fresh air after the hard selling tactics of others in the market. I would highly commend Paul to others.'Simon Schmidt Chadbourne & Parke LLC
Such a breath of fresh air
'I have been using Paul's services for almost 18 months. His experience, client focus and professional advice are extremely invaluable. I count fully on Paul as my financial adviser, and would always recommend him to everybody I know.'Wael Abdoush Director, HW Channels Sales, IBM MEA 
Client focus and professional advice
'Paul Borg is a very knowledgeable and hardworking financial adviser. He has thoroughly reviewed our financial situation and provided a vast amount of advice on how to better our finances for now and in the future.He has helped us to put Critical Illness insurance in place, discussed savings options for while we are in the Middle East, transferred pensions from the UK and is in the process of helping us draw up an international Will. He is easily contactable and responds efficiently with good, clear advice on all of our queries. Paul communicates very well and we would highly recommend him to anyone requiring a financial adviser.'Frances Turner, General Practitioner
Easily contactable
'I have had the pleasure of working with Paul for the last three and a half years since we were introduced. In that time he has been no less than a true professional and has helped me grow my investments and always has my best interests at heart. His professional approach and in-depth knowledge of the investment markets always shows when he is presenting me with new options and if any changes are needed to my portfolio. He is easy to work with, always there when I need advice on market trends and as I said a true professional.'Nicholas Vass
A true professional
'I have found David Wells' relaxed but professional approach to be a breath of fresh air in a sector which appears to be over populated with pushy 'wont-take-no-for-an-answer' types. David is always ready with impartial advice and instills confidence, thanks to his years of experience in the broader financial sector. I highly value his counsel after struggling for years to find a well-balanced and transparent FA.'James Thomas
Instills confidence
'I met Joe Capaldi in 1974 when he helped me start saving - and last year I was able to retire very comfortably. Thanks Joe!Roddy Bruce Founding Partner at Dickson Minto W.S
He helped me start saving
'I first met Julia back in August 2012 when she came to give a presentation at our office. The presentation was very informative and highlighted things to our employees that I am sure none of them knew about. The hot topic in the office after the presentation was with regards to interim guardianship in the UAE and what would happen to our children if we do not have any guardianship documents in place. Julia's knowledge of the UAE laws and procedures with regards to wills and how this relates to different scenarios was impressive, she had questions thrown at her, that she answered with ease. This truly was a worthwhile presentation at our office and was possibly one of the best we have had.Following on from the presentation at our office my husband and I contacted Holborn and asked if we could meet with Julia to review our current personal situation. At our second meeting Julia presented us with a very clear breakdown of what assets, insurance's etc we had where, and what we will need for our retirement and our children's education. This was a big eye opener to us! Not once did we feel that we were being pushed into an investment, we were educated on the subject and then given the opportunity to make the decision whether to proceed or not.We continued to meet with Julia and we appreciate her professionalism, extensive product knowledge and her way of making us feel comfortable and at ease. Julia would often go out of her way to ensure she got to see us and make sure we had all the paperwork in place. It has been a joy working with Julia and we look forward to continue the relationship with her.'Kate Muir Head of Human Resources CBI 
Extensive product knowledge
'I contacted Holborn Assets in early 2013 having read many informative articles written by them over the years in Gulf News about managing ones assets.  John Denman of Holborn Assets contacted me thereafter and came to my office to advise me with my investment planning. He spent a lot of valuable time with me until I was completely comfortable with the suggested investments. I subsequently referred him to my partner, who was also impressed with the time and dedication that Mr. Denman put into the exercise. He too went ahead and invested funds with Holborn Assets. Our investments to date are showing promise and with regular updates from him, we feel happy with our portfolios.To date, I can say with confidence, that Mr. Denman is not only my asset manager but feels more like a friend whom I feel I can put my trust in.'Vivien Hawkins Managing Director at Tulip Diamonds FZE
We feel happy with our portfolios
I have known Danny Quinn for three years. Danny has been my personal Wealth Advisor for Holborn Assets Insurance brokers. At all times I have found him to be professional, honest, reliable and helpful. I can highly recommend Danny and I'm happy to provide further information if required.Adrian Kerr Military Instructor at Al Shaheen
Honest, reliable and helpful
'We have been dealing with Danny Quinn for a number of years now with regards to our financial planning. Danny’s advice has been excellent and we are regularly updated with an overall status. We are delighted with Danny’s service, and unlike other companies we have dealt with, we do not feel pressured into taking advice.'Craig Menzies Tyco Fire & Security UAE LLC 
Advice has been excellent
'I have had the pleasure of having Danny Quinn handle my portfolio for a number of years now and would recommend him to anyone.   My situation was not the simplest to begin with, but Danny continued to work tirelessly over a couple of years in order to find and amalgamate everything into a single portfolio. Since then Danny has kept in touch, and advised on the changes in the financial situation and how to best move my portfolio around, without ever pushing, to ensure maximum returns. Danny is a pleasure to deal with and always has time for a chat and an update, no matter how small I may be in the scheme of wealth investment.'Gary Vincent Consultant at The Driver Group Qatar 
Pleasure to deal with
'Danny Quinn advised on private financial matters and greatly assisted in achieving my personal financial goals. He provided complete financial solutions that work for me now and will continue to work for me in the future. His attention to detail, subject knowledge and, most of all, his integrity make him great to work with. If you are looking for sound financial advice, I would strongly recommended Danny.'Marco Cipolat Senior Conference Producer at IQPC Middle East
Sound financial advice
'I started working with Danny Quinn in 2012 shortly before the birth of my first child. His professionalism, understanding and clarity gave me trust in him and he has not let me down. Timely follow ups when required and always available when needed, I have no hesitation in recommending him for his growing client base.'Justin Parsons Director of Instruction at Butch Harmon School of Golf
Always available when needed
'We have used Danny Quinn from Holborn Assets for the past three years. He is very knowledgeable and helpful when it comes to financial matters without the hard sell. He keeps in regular contact and updates us with any information that we require. We would highly recommend Danny for any financial assistance.'Kirstie Bennett Police Instructor
Keeps in regular contact
'I know David d'Arcy to be highly qualified and knowledgeable in the area of international financial and pension’s advice and David has assisted and advised me on a number of occasions with these matters. I would not hesitate to recommend him to anyone seeking financial and pensions advice on a worldwide basis.'Murray Pine Safety Operations Director for Hong Kong Airlines
Highly qualified and knowledgeable
'On making enquiries regarding the transfer of my UK pension, David d'Arcy provided a comprehensive overview of Holborn Assets and his professional history. Once David understood my current position and future plans, he shared clear and sound information for me to make a fully informed decision to transfer and reap the associated benefits of a QROPS. I was given a full and detailed explanation of QROPS with the benefits and options based on my current plans, which also included options to switch, in line with potential future changes to my current retirement plan. On our second meeting, we went over the original plan and discussed the details to ensure I fully understood all aspects and the available alternatives. Based on the advice given, and the independent research I conducted, I made the decision to transfer. All subsequent documentation was clearly explained and at no time was I hurried or my questions unanswered. The transfer is currently being processed, and I have received progress reports to inform me everything is on track, with an estimated completion date.'Marcus Ward 
Shared clear and sound information
'Thanks to her initiative Vivian Van Eeden has become a part of our lives. Her professionalism coupled with a personal touch has made us feel a sense of security that we’ve entrusted our future with her. One thing that’s always stood out in our dealings with Vivian is that she is interested in what’s right for us at the time, not in what’s going to be good only for her.'Michael Moss 
Interested in what’s right for us
'I have been dealing with John Denman since early 2014 when I made a large investment with the assistance of his company, The Wealth Practice (Holborn Assets).I found Mr. Denman to be knowledgeable on all aspects of the investments that I was particularly interested in. Additionally, and through his association with Holborn Assets he had available to him the latest financial data in order for me to make well informed decisions. Mr. Denman would offer his own opinions when encouraged to do so, which were in my opinion well founded. What I liked particularly was that he wouldn’t pressure me to do anything I wasn’t happy with. At the end of the day I was left with a feeling that I was in charge of my own financial destiny. Financial managers can sometimes confuse with unnecessary detail and language that someone without a financial background would find hard to understand. I found Mr. Denman’s approach to be much more comprehensible and he would spend time with me to explain things in a more simple way.All in all I was very pleased with the service Mr. Denman offered and the way he presented things to me and I intend investing more in the near future.'Christopher Crowther Managing Director at Sonoran Diamonds FZCO
Knowledgeable on all aspects of the investments
'Vince Truong and I have been working together for a couple of years now and Vince has a methodical and scientific method to financial planning and advice. He is delivering results and is diligent in managing the portfolio.'Samer Halawi CEO at Thuraya
Diligent in managing the portfolio
'In the many years that I have known Robert Parker (Bob), I have always been especially taken by his unconditional sense of giving to others without any expectation whatsoever of getting anything back. I trust Bob completely and have always felt sure that he would deliver fully on anything that he commits to. In my view, Bob is a role model to everyone around him as a husband, father, friend and business colleague.'Doug Lambert
I trust Bob completely
'Having known Bob Parker for a considerable number of years, both professionally and personally, I would definitely recommend him to be a man of integrity, honesty and vision with excellent leadership qualities and a great sense of humour. I believe his company, ‘Holborn Assets’ to be both professionally and successfully managed with a hand picked team dedicated to putting the client’s interests first. The fact that he does an amazing rendition of ‘Puff the magic dragon’ and also enjoys munching enormous bars of Toblerone is a big plus!'Susan Walpole
Putting the client’s interests first
'I’ve known and worked with Bob Parker and the Holborn team since 2003 and in that time they have proven themselves over and over and over again. From giving me the advice I needed to hear, to providing me with some of the soundest financial recommendations around, Bob and the Holborn team have really become much more than Financial Advisors. They have brought me into their family, something I’m willing to bet most folks won’t say about their IFAs!'Steven Brown Vesta Group CEO
Soundest financial recommendations around
I have known and worked with Janet for over 10 years now. In fact she “inherited” me after one of her colleagues left the UAE. In that time, I have always found Janet helpful, professional, organized and responsive with my financial planning needs. She has a lot of patience, and with that patience gets through good advice for the future.Mark Rogers Managing Director Intagulf FZCO / IDS – Dubai
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