In this episode, Mickelle sits down with Sophie Duong, a fully qualified European Financial Adviser, London-born daughter of Vietnamese refugees, and Barcelona-based risk whisperer on how to decode how to build a globally flexible life without sacrificing your future. Sophie manages €40M+ for 120 clients and brings a calm, human approach to cross-border money: simple language, rigorous planning, and zero shame.
They unpack the realities of international finances and why, where you live and where your money “lives” both matter and how to design plans that honor your dreams and your spreadsheets. Sophie explains the difference between an accountant and an adviser, when to call each, and how she acts as “triage” to assemble the right global team. Entrepreneurs get special love too: you can grow the business and your future nest egg - now and later.
Sophie also demystifies phases of wealth (accumulation, crossover/protection), flags common traps (PFICs for Americans abroad, UK inheritance domicile, beneficiary-based succession in Spain/France/Italy), and makes the case for stress-testing plans as rules and visas change.
In this episode:
Designing a globally flexible life that’s compliant and tax-smart
Adviser vs. accountant: who does what, when
Avoiding cross-border traps (PFICs, UK domicile, succession rules)
Planning moves before you move; optimizing where assets are held
Entrepreneurs: balancing growth today with future independence
Estate planning across jurisdictions—so money goes where you intend
It’s now - and later. Build the life you want while taking care of future you.
Reach Sophie:
Website: www.thewealthadviser.com
Advisory: Devere Spain
Socials: @thewealthadviser (TikTok, Instagram, LinkedIn)
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