Saving Plans for International Expatriates

Regular savings plans to invest for your family’s future

Personalised, award-winning financial advice

Bespoke Savings Solutions

Customised to your purpose and personal requirements

Regulated & Portable

Robust regulated solutions that travel with you wherever you go

Professional Investment Management

Managed for growth in line with your risk appetite

Savings Planning for Global Expatriates

Future education fees, the deposit on a dream home, the trip of a lifetime or just to put aside for a rainy day: there is always a good reason to save. At the Michele Carby Practice, we help our clients build regular savings plans that will meet their future needs.

Everyone’s goals and circumstances are unique, requiring and deserving a customised individual plan that plots a course toward their ultimate financial objectives.

We favour long term relationships, thereby helping our clients anchor their financial lives. We understand their need to adapt, secure and grow their wealth wherever their lives take them.


International Investments’ Woman of the Year

Financial & Investment Advice For Global Expatriates

Welcome to the Michele Carby Practice

I am a highly experienced financial adviser with licences in the UK, Hong Kong, South Africa and the United Arab Emirates. My team and I are based in Dubai, but our clients are spread around the world. We assist our clients with all aspects of financial planning, helping them organise their financial affairs and help grow and protect their wealth.

Each and every client has different needs depending on their personal circumstances. This defines our approach, adding value over many years where and when it is required.

If you would like that kind of personal attention to your financial affairs please get in touch.

Michele Carby Autograph Dark Blue

International Investments’ Woman of the Year


International Honours for Michele & Holborn Assets


What our clients say about us


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International Investment

Partner & Senior Investment Strategist

Payal is a full Partner in the Michele Carby Practice. She works directly with clients on their investment strategy and personally manages over $130mn of client assets.

After graduating from the London School of Economics, Payal worked as an investment analyst at Goldman Sachs before moving to Dubai to join Holborn Assets.

Payal’s investment philosophy is not to attempt to outsmart the markets but to stay in sync with them. In practice, this means shadowing the market in terms of risk at any given time but looking for the additional value available by applying a blend of active management, detailed market analysis and knowledge. This strategy has been historically successful in providing our savers and investors with above average market returns that stay within their risk parameters.


International Financial Planning

Serving global citizens

Our clients are expatriates from a breathtakingly diverse mixture of nationalities, backgrounds, cultures and wealth levels. They share a common need for financial solutions adapted to the international lifestyles they lead. 

We favour long term relationships to help our clients anchor their financial lives. As our relationship grows, we can help anticipate their needs and adapt to any changing circumstances, allowing them to grow their wealth and reach their financial goals wherever their lives take them.



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Financial Planning Webinars

Make better informed financial decisions

Financial Planning

Our Q1 review of the markets and the issues that impact your wealth.


Active portfolio management – what it is, how it works and our fee structure.

Education Planning

Education fee planning and the million dollar baby.


2023 Q2 Financial Review & Quarterly Investment Update

August 3 – 4pm UAE (GMT+4)

Senior Investment Strategist Payal Trehan joins Michele to review the markets, global investment outlook and portfolio strategy.


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