What does it take to live boldly across borders and still sleep well at night? In this House of Peregrine episode, Mickelle welcomes Sophie Duong, a fully qualified European Financial Adviser who manages €40M+ for 120 clients from her sunny base in Barcelona. London-born to Vietnamese refugee parents, Sophie blends resilience with rigor, translating complex cross-border finance into clear, human guidance. Think elegant strategy with real-world calm.

Sophie’s philosophy is simple and powerful: design your money around the life you’re building, not the other way around. Where you live and where your money “lives” both matter; jurisdictions, currencies, and timing shape everything from taxes to inheritance. As “triage” for international lives, she helps clients set goals, diagnose blind spots, and assemble the right global team - tax advisors, local experts, and the right investment vehicles - so plans stay flexible as visas, governments, and priorities change.

Entrepreneurs get special attention. You can grow your company and your future, now and later. From optimizing how cash sits in a company to carving out a path to financial independence, Sophie champions a balanced, shame-free approach. 

And for all Peregrines: estate planning isn’t optional when you live between systems. If you don’t tell money where to go, it will choose for you.

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 for Americans abroad, UK domicile, succession rules in Spain/France/Italy)
• Planning moves before you move; optimizing where assets are held
• Entrepreneurs: balancing business growth today with future independence
• Estate planning across jurisdictions, so money goes where you intend

Favorite idea: “It’s now and later.” Enjoy the life you’re building while protecting future you. That balance isn’t a luxury, it’s the plan.

Connect with Sophie

• Website: thewealthadvisor.com
• Advisory: Devere Spain
• Socials: @thewealthadvisor (TikTok, Instagram, LinkedIn)

Call to action If this episode sparked a mindset shift, share it with a fellow Peregrine, subscribe to the House of Peregrine podcast, and leave a review. Ready to map your own globally flexible plan? Reach out to Sophie via thewealthadvisor.com and start your “now and later” strategy today.

Feeling inspired? Share this episode with someone you know navigating life between cultures - and don’t forget to subscribe and leave a review. Every story shared is a thread that weaves us closer together.