+971 50 618 6463 [email protected]

Michele Carby Consultant Profile

 
Michele Carby
Managing Partner

+971 50 618 6463
[email protected]

 

About Michele

Originally from Durban, South Africa – Michele graduated from the University of Natal with a B.Proc(Law) degree before embarking on a highly successful career within the financial services sector, and having worked for reputable companies such as Maxprop Group (South Africa) before emigrating to the UK in 1999 and joining Countrywide Financial Services and Lloyds TSB, where Michele became one of the most successful in the country exclusively maintaining high net worth client relationships. Michele was headhunted in January 2004 to join St. James’s Place Wealth Management in London as a Wealth Manager/Associate Partner. (Part of the J.Rothchild Group/Lloyds Banking Group)

Since joining as an Associate Partner, Michele has opened the doors to many more areas of financial planning, as well as developing her practice into more specialist areas of advice; She holds a Diploma in Financial Planning, as well as a Tax, Trust & Estate Planning Qualification. She’s also a member of The Personal Finance Society & Chartered Institute of Insurers (UK).

In August 2011, she was again headhunted, this time to Hong Kong, to offer bespoke Financial Planning/ Wealth Management advice to expat clients, capitalising on her wealth of experience in South Africa and the UK, opening an office for Infinity Financial Services as their CEO and Director of their Hong Kong office.

The valuable wealth management/holistic financial planning service she offers our clients is tailored to meet their individual financial needs, thus providing the benefit of a single, seamless relationship, aimed at designing bespoke tax efficient financial plans, whether it be for Education Fee Planning or Retirement Savings or tax – efficient savings & investments.

Payal Trehan, who as an experienced Investment Analyst (ex Goldman Sachs) also assists Michele by providing exclusive up to date, active management approach to all of her clients, adding considerable value to her investment management style.

Michele also manages a team of three financial planners with four admin support, which allows them to focus on providing great client servicing and reviews to our clients on a regular basis.

 

About Holborn

Headquartered in Dubai since 2000 and with branch offices in Africa, Asia and Europe, Holborn is one of the largest offshore financial services companies in the world and is renowned for its commitment to quality and professionalism.

This enviable reputation has been built on our commitment to hiring highly qualified advisers, investing heavily in state of the art back office IT systems and adopting self-imposed internal compliance procedures comparable to those prescribed by the HMRC in the UK.

www.holbornassets.com

What I’m offering

Tailor made, bespoke, holistic financial planning advice to expats covering:

  • Pensions
  • QROPS & SIPPS
  • Insurance
  • Tax efficient savings & Investments
  • Medical Insurance
  • School fee planning & Retirement planning

QROPS Do you have a UK Pension? We can help reduce your tax exposure. Find out how we can help. Download your FREE QROPS Guide here.

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Testimonials

Michele Carby is fantastic in every way. I’m a disaster when it comes to money and when she went away, I returned to being a disaster. She makes everything ok and makes the minefield of financial management manageable. She is entirely trustworthy and decent and I’d trust her with everything I have. So now she manages me long-distance and I’m so glad because I could never find anyone like her to do the same job with the same commitment and enthusiasm.

Kartherine Birbalsingh

Michele Carby Financial Advisor
5.0
2017-05-01T11:56:44+00:00

Kartherine Birbalsingh

Michele Carby is fantastic in every way. I’m a disaster when it comes to money and when she went away, I returned to being a disaster. She makes everything ok and makes the minefield of financial management manageable. She is entirely trustworthy and decent and I’d trust her with everything I have. So now she manages me long-distance and I’m so glad because I could never find anyone like her to do the same job with the same commitment and enthusiasm.
Michele who has been the by far most proactive and helpful person on the market here. So gradually I got my medical insurance, my MPF, and my retirement plan fixed with her. Up to today I have not regretted this a minute, she is always available when needed gives perfect advice, and thinks way ahead of the market. I highly recommend Michele for her very professional approach, her personal care, and her incredible reliability.

Michael Zankel

Michele Carby Financial Advisor
5.0
2017-05-01T11:35:16+00:00

Michael Zankel

Michele who has been the by far most proactive and helpful person on the market here. So gradually I got my medical insurance, my MPF, and my retirement plan fixed with her. Up to today I have not regretted this a minute, she is always available when needed gives perfect advice, and thinks way ahead of the market. I highly recommend Michele for her very professional approach, her personal care, and her incredible reliability.
I have known Michele Carby in a professional capacity for about a year and a half during her career at Infinity Financial Solutions. During that period, I have witnessed her professionalism in her roll of Director of the Hong Kong office as well as during a meeting with one of her clients who she had looked after for many years – from before the time she joined Infinity. I know from her senior colleagues at Infinity how well she is respected and that she conducts her business in a most professional manner. I have also witnessed first-hand how this particular client had relied on her over many years to look after her financial arrangements and how very pleased and impressed she was with her.

Bestinvest provide a full investment management service to Infinity and all our dealings with Infinity have been conducted with the highest level of professionalism. We carried out substantial due diligence on them (and they on us) before we entered into a business relationship with them and this gave us the confidence to move forward with them. This confidence is even strong now having worked with them for almost 2 years.

Mark

Michele Carby Financial Advisor
5.0
2017-05-01T11:56:12+00:00

Mark

I have known Michele Carby in a professional capacity for about a year and a half during her career at Infinity Financial Solutions. During that period, I have witnessed her professionalism in her roll of Director of the Hong Kong office as well as during a meeting with one of her clients who she had looked after for many years – from before the time she joined Infinity. I know from her senior colleagues at Infinity how well she is respected and that she conducts her business in a most professional manner. I have also witnessed first-hand how this particular client had relied on her over many years to look after her financial arrangements and how very pleased and impressed she was with her. Bestinvest provide a full investment management service to Infinity and all our dealings with Infinity have been conducted with the highest level of professionalism. We carried out substantial due diligence on them (and they on us) before we entered into a business relationship with them and this gave us the confidence to move forward with them. This confidence is even strong now having worked with them for almost 2 years.
We used Michele Carby and she is world class. I have always been weary 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 from you. 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 Hutton

Michele Carby Financial Advisor
5.0
2017-05-01T09:37:08+00:00

Louis Hutton

james-hutton
We used Michele Carby and she is world class. I have always been weary 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 from you. 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.
Not many ethics and integrity left in the financial world but Michele Carby comes highly recommended.

Lizette Smook

Michele Carby Financial Advisor
5.0
2017-05-01T11:51:42+00:00

Lizette Smook

Not many ethics and integrity left in the financial world but Michele Carby comes highly recommended.
I wanted to personally thank you for all your efforts in helping me.

I moved to Asia 14 years ago and have been not only hounded by “financial” advisers but been on the end of some very “negative” experiences the industry has to offer. From being very close to me until close of the sale then ignoring my portfolio for years to advisers who jump businesses every few months.

Almost invariably the experiences have left me with underperforming and ignored portfolios, and when questioning you get tired of hearing of accumulating units of lower average cost…

When I met you months ago, with a very modest investment you have not only helped my get it back on track (and making money!!!) but worked on better deals for my life insurance and other assistance. My business is small to you and still you service me as if I am a very important client, in fact you even helped my day to day business with altruistic leads.

Without a doubt, in my 14 years you have been the most engaged and successful advisor I have experienced. I have confidence that you have my interest in mind first, which should be pervaded but is rare!

David Andrews

Michele Carby Financial Advisor
5.0
2017-05-01T09:57:50+00:00

David Andrews

I wanted to personally thank you for all your efforts in helping me. I moved to Asia 14 years ago and have been not only hounded by “financial” advisers but been on the end of some very “negative” experiences the industry has to offer. From being very close to me until close of the sale then ignoring my portfolio for years to advisers who jump businesses every few months. Almost invariably the experiences have left me with underperforming and ignored portfolios, and when questioning you get tired of hearing of accumulating units of lower average cost… When I met you months ago, with a very modest investment you have not only helped my get it back on track (and making money!!!) but worked on better deals for my life insurance and other assistance. My business is small to you and still you service me as if I am a very important client, in fact you even helped my day to day business with altruistic leads. Without a doubt, in my 14 years you have been the most engaged and successful advisor I have experienced. I have confidence that you have my interest in mind first, which should be pervaded but is rare!
Michele demonstrates all the qualities I look for in a financial advisor, e.g. a genuine personal interest, regular contact, excellent proposals, and a consistent proactive approach to deliver the best possible service.

Dr Robert Holden

Michele Carby Financial Advisor
5.0
2017-05-01T09:54:09+00:00

Dr Robert Holden

Michele demonstrates all the qualities I look for in a financial advisor, e.g. a genuine personal interest, regular contact, excellent proposals, and a consistent proactive approach to deliver the best possible service.
I’d like to confirm that I’ve been using Mrs. Michele Carby services for over a year and that I am very pleased with the service provided. Her investment recommendations and the effectiveness of her advises have lead my saving and investments to grow in the uncertain and not so favourable period.

I also highly recommend Michele Carby as a financial advisor for her approachability and her outstanding customer service which has been very consistent and pleasant.

Alexis Ducret

Michele Carby Financial Advisor
5.0
2017-05-01T09:57:03+00:00

Alexis Ducret

I’d like to confirm that I’ve been using Mrs. Michele Carby services for over a year and that I am very pleased with the service provided. Her investment recommendations and the effectiveness of her advises have lead my saving and investments to grow in the uncertain and not so favourable period. I also highly recommend Michele Carby as a financial advisor for her approachability and her outstanding customer service which has been very consistent and pleasant.
Michele was introduced to me by a HK-based broker who has been serving me in my previous company. Michele very smoothly took over all MPF-related issues as well as health insurance for my local and foreign staff in Hong Kong. After founding my own company in Hong Kong, Michele assisted us in all related issues as Health Insurance brokerage, MPF-related questions and Employment Compensation Fund. Not being located in Hong Kong but in Mainland China, I very much can rely on Michele’s advice. Over the past almost two years, Michele always a reliable source of information and a trusted partner of mine to handle my interests towards providers. Michele has advised and consulted us with very valuable and interesting investment opportunities which I did not follow for the simple reason of investing in my own start-up company.

I very much can recommend working with Michele as a reliable partner and friend.

Danny Stoetzer

Michele Carby Financial Advisor
5.0
2017-05-01T09:58:31+00:00

Danny Stoetzer

Michele was introduced to me by a HK-based broker who has been serving me in my previous company. Michele very smoothly took over all MPF-related issues as well as health insurance for my local and foreign staff in Hong Kong. After founding my own company in Hong Kong, Michele assisted us in all related issues as Health Insurance brokerage, MPF-related questions and Employment Compensation Fund. Not being located in Hong Kong but in Mainland China, I very much can rely on Michele’s advice. Over the past almost two years, Michele always a reliable source of information and a trusted partner of mine to handle my interests towards providers. Michele has advised and consulted us with very valuable and interesting investment opportunities which I did not follow for the simple reason of investing in my own start-up company. I very much can recommend working with Michele as a reliable partner and friend.
Michele has worked extremely hard for my behalf for the majority of 2008. Without doubt her commitment to my personal contract has been 100%. Every business needs a Michele, probably one of the finest girls one could rely upon. I would not hesitate on my recommendation!

David Hawkins

Michele Carby Financial Advisor
5.0
2017-05-01T11:53:35+00:00

David Hawkins

Michele has worked extremely hard for my behalf for the majority of 2008. Without doubt her commitment to my personal contract has been 100%. Every business needs a Michele, probably one of the finest girls one could rely upon. I would not hesitate on my recommendation!
I first met with Michele back in February 2012 when I joined Standard Life in Hong Kong. Instantly I was able to observe Michele’s professionalism in her approach towards dealing with her client’s financial affairs. It was evident to me, that Michele’s training in the UK, a very advanced financial market, had stood her well to advise her international clients in the HK market place. I have noticed her approach to advice is holistic and she considers her clients’ circumstances in detail before formulating any financial plans.

Standard Life has been working with Infinity for two years and our dealings with the company and Michele have all been of utmost integrity. Before engaging in any business partnership the company always completes a due diligence process which Infinity have successfully observed. In addition to seeing Michele’s professionalism with clients, I have also admired Michele’s wider work she has done for the industry being a regular contributor within the Independent Financial Advisors Association of Hong Kong.

Nathan Geary

Michele Carby Financial Advisor
5.0
2017-05-01T11:55:29+00:00

Nathan Geary

I first met with Michele back in February 2012 when I joined Standard Life in Hong Kong. Instantly I was able to observe Michele’s professionalism in her approach towards dealing with her client’s financial affairs. It was evident to me, that Michele’s training in the UK, a very advanced financial market, had stood her well to advise her international clients in the HK market place. I have noticed her approach to advice is holistic and she considers her clients’ circumstances in detail before formulating any financial plans. Standard Life has been working with Infinity for two years and our dealings with the company and Michele have all been of utmost integrity. Before engaging in any business partnership the company always completes a due diligence process which Infinity have successfully observed. In addition to seeing Michele’s professionalism with clients, I have also admired Michele’s wider work she has done for the industry being a regular contributor within the Independent Financial Advisors Association of Hong Kong.
We approached Michele about one year ago, as my husband and I wanted to seriously start setting our financial affairs in order. We met with her and right away saw that she was very knowledgeable as a financial planner but also approachable and easy to talk to.

My husband had a lot of ideas of his own and really wanted to learn more about investing. Michele talked us through our options, teaching us along the way and explained things in a manner that was clear, practical and sound. As our financial planner she was very firm on first setting a solid financial foundation for our family – a sign of a great financial planner!

We are international teachers and we really wanted somebody or an institution that will be able to “move” with us as we teach all over the world. We wanted somebody we can build a professional relationship with – Michele is that person for us. Michele can relate to us as she is also an expatriate. She is familiar with the lifestyle that comes from moving often along with the practicality problems it brings financially.

Nicolene

Michele Carby Financial Advisor
5.0
2017-05-01T09:56:17+00:00

Nicolene

We approached Michele about one year ago, as my husband and I wanted to seriously start setting our financial affairs in order. We met with her and right away saw that she was very knowledgeable as a financial planner but also approachable and easy to talk to. My husband had a lot of ideas of his own and really wanted to learn more about investing. Michele talked us through our options, teaching us along the way and explained things in a manner that was clear, practical and sound. As our financial planner she was very firm on first setting a solid financial foundation for our family – a sign of a great financial planner! We are international teachers and we really wanted somebody or an institution that will be able to “move” with us as we teach all over the world. We wanted somebody we can build a professional relationship with – Michele is that person for us. Michele can relate to us as she is also an expatriate. She is familiar with the lifestyle that comes from moving often along with the practicality problems it brings financially.
After seven years in Hong Kong, among them five for an international logistics group (ass regional CEO), almost two with my own company (part owner), I can I have had some experience with financial brokers and advisors.

I have been working with one of the many blue suits same tie brokers for years in Hong Kong and apart of the fact that the people in charge of me changed every year, the financial situation hardly improved.

When I met Trevor from Infinity he connected me with Michele who has been the by far most proactive and helpful person on the market here. So gradually I got my medical insurance, my MPF, and my retirement plan fixed with her. Up to today I have not regretted this a minute, she is always available when needed, gives perfect advice, and thinks way ahead of the market.

I highly recommend Michele for her very professional approach, her personal care, and her incredible reliability.

Michael Zankel

Michele Carby Financial Advisor
5.0
2017-05-01T11:49:18+00:00

Michael Zankel

After seven years in Hong Kong, among them five for an international logistics group (ass regional CEO), almost two with my own company (part owner), I can I have had some experience with financial brokers and advisors. I have been working with one of the many blue suits same tie brokers for years in Hong Kong and apart of the fact that the people in charge of me changed every year, the financial situation hardly improved. When I met Trevor from Infinity he connected me with Michele who has been the by far most proactive and helpful person on the market here. So gradually I got my medical insurance, my MPF, and my retirement plan fixed with her. Up to today I have not regretted this a minute, she is always available when needed, gives perfect advice, and thinks way ahead of the market. I highly recommend Michele for her very professional approach, her personal care, and her incredible reliability.
Thank you for receiving me and my wife today in the ALL crucial setting of our retirement investment portfolio as we start our retirement life. You don't know how much I am relieved that know we have a good back up team that gives us much comfort after all the unfortunate mishap we have suffered due to, not willingly, previously bad decisions. Anyhow we now start with a fresh new team and more dynamic involvement which gives me much comfort.

Alex

Michele Carby Financial Advisor
5.0
2017-10-25T08:18:32+00:00

Alex

Thank you for receiving me and my wife today in the ALL crucial setting of our retirement investment portfolio as we start our retirement life. You don't know how much I am relieved that know we have a good back up team that gives us much comfort after all the unfortunate mishap we have suffered due to, not willingly, previously bad decisions. Anyhow we now start with a fresh new team and more dynamic involvement which gives me much comfort.
I wanted to thank you for the advice and friendly service you have provided me on my Personal investments.

As always you are very quick to respond to emails with advice and guide me. You company’s website is fantastic as I can check on my investments whenever I need.

Without your help I would be lost in the world of pension rules etc.

Andrew

Michele Carby Financial Advisor
5.0
2017-05-01T11:48:41+00:00

Andrew

I wanted to thank you for the advice and friendly service you have provided me on my Personal investments. As always you are very quick to respond to emails with advice and guide me. You company’s website is fantastic as I can check on my investments whenever I need. Without your help I would be lost in the world of pension rules etc.
I have been a client of Michele’s now for about a year and was previously with a financial consultant with I was unhappy with: the result being my long term financial planning was not being taken car of very well and my investments were actually going backwards. As a teacher of limited financial means this was disastrous.

Since the I have been with Michele I have relooked at these long term projections. Michele has spent considerable time and energy in assisting me to find suitable and stable investments and savings plans that meet my needs now and more importantly for my long term financial planning and retirement. Michele constantly keeps me informed and I feel I can approach her with any questions I have. She is flexible and caring and has been fabulous in her role as advisor to me. She pays huge attention to detail, she is professional and up to date in her field and I feel very informed about both my investments and goals for long term planning.

I highly recommend Michele.

Merry Hamilton

Michele Carby Financial Advisor
5.0
2017-05-01T11:49:55+00:00

Merry Hamilton

I have been a client of Michele’s now for about a year and was previously with a financial consultant with I was unhappy with: the result being my long term financial planning was not being taken car of very well and my investments were actually going backwards. As a teacher of limited financial means this was disastrous. Since the I have been with Michele I have relooked at these long term projections. Michele has spent considerable time and energy in assisting me to find suitable and stable investments and savings plans that meet my needs now and more importantly for my long term financial planning and retirement. Michele constantly keeps me informed and I feel I can approach her with any questions I have. She is flexible and caring and has been fabulous in her role as advisor to me. She pays huge attention to detail, she is professional and up to date in her field and I feel very informed about both my investments and goals for long term planning. I highly recommend Michele.
There are a lot of investment houses that you can chose from here in Dubai. However, most will hide fees and show growth rates which are actually product accelerators (thus not reflecting reality) so it’s very easy to get duped into thinking you have a “growing” investment. I would recommend Michele Carby as she not only talks to you in layman’s terms, but also whether you’re investing $100 or $10,000 a month, Michele makes sure you’re well looked after!

Vanessa Pringle

Michele Carby Financial Advisor
5.0
2017-05-01T11:48:10+00:00

Vanessa Pringle

There are a lot of investment houses that you can chose from here in Dubai. However, most will hide fees and show growth rates which are actually product accelerators (thus not reflecting reality) so it’s very easy to get duped into thinking you have a “growing” investment. I would recommend Michele Carby as she not only talks to you in layman’s terms, but also whether you’re investing $100 or $10,000 a month, Michele makes sure you’re well looked after!
Definitely go with Michele Carby. She really has the personal touch. You will feel like you're chatting to an old friend who really has your best interests at heart.

Debbie Hutton

Michele Carby Financial Advisor
5.0
2017-05-01T09:55:40+00:00

Debbie Hutton

debbie-hutton
Definitely go with Michele Carby. She really has the personal touch. You will feel like you're chatting to an old friend who really has your best interests at heart.
I am an Accountant but not registered as an IFA. Consequently, Michele has assisted me, not only for my own financial affairs, but also for clients. I find her to be amiable, competent and efficient in dealing with financial matters and also has taken the time to review all possibilities in a manner that is easy to grasp. I would not hesitate to recommend her to anyone.

Brian Michael Gibbs

Michele Carby Financial Advisor
5.0
2017-05-01T11:36:20+00:00

Brian Michael Gibbs

I am an Accountant but not registered as an IFA. Consequently, Michele has assisted me, not only for my own financial affairs, but also for clients. I find her to be amiable, competent and efficient in dealing with financial matters and also has taken the time to review all possibilities in a manner that is easy to grasp. I would not hesitate to recommend her to anyone.
Michele provides an outstanding service. She is always available for advice and reassurance on any financial matter. She seems to have an intuitive understanding of my financial situation and future needs. I would not trust anyone else with my hard earned money!

Rebecca Dosso

Michele Carby Financial Advisor
5.0
2017-05-01T11:52:55+00:00

Rebecca Dosso

Michele provides an outstanding service. She is always available for advice and reassurance on any financial matter. She seems to have an intuitive understanding of my financial situation and future needs. I would not trust anyone else with my hard earned money!
Michele Carby has been amazing for us.

Jordan West-Pratt

Michele Carby Financial Advisor
5.0
2017-05-01T11:52:17+00:00

Jordan West-Pratt

Michele Carby has been amazing for us.
5
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It's in today's rapidly changing financial markets where experience counts.

 

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