Why Expats Shouldn’t Ignore Old Workplace Pensions
Michael Sappal, Chartered Financial Planner, explains why expats shouldn’t ignore old workplace pensions and the risks of leaving them unattended.
Paul Butler is a Private Wealth Partner at Skybound Wealth Management with over 30 years’ experience advising clients across the UK and the Middle East. Dubai-based for more than a decade, Paul works with internationally mobile individuals and families who want clarity, structure, and confidence in their financial decisions, not complexity, noise, or a collection of disconnected products.
Paul Butler is a Private Wealth Partner at Skybound Wealth Management with over 30 years’ experience advising clients across the UK and the Middle East. Dubai-based for more than a decade, Paul works with internationally mobile individuals and families who want clarity, structure, and confidence in their financial decisions, not complexity, noise, or a collection of disconnected products.
His focus is on long-term financial planning built around clarity and structure, helping clients understand where they are today, where they are heading, and whether they are genuinely on track - while keeping the process engaging, human, and, where possible, enjoyable.
Clients typically come to Paul when their finances feel disjointed or directionless, and they want a clear framework that brings everything together and makes future decisions easier.
Paul believes most financial challenges don’t arise from poor choices, but from decisions made in isolation. His role is to bring everything together into a clear financial framework that gives direction and context to every decision.
By focusing on structure rather than short-term outcomes, Paul helps clients re place uncertainty with understanding and complexity with clarity. This allows decisions to be made with intention, not pressure, and enables plans to evolve naturally as life changes.
Paul’s career spans more than three decades and multiple jurisdictions, giving him a broad perspective on how financial decisions play out over time. He regularly works with expatriates and globally mobile families whose financial lives span more than one country and require careful coordination.
In addition to client advisory work, Paul also contributes to maintaining planning standards within the business, supporting a consistent, plan-led approach to client outcomes across Skybound Wealth Management.
Alongside his advisory role, Paul is an experienced speaker and facilitator, delivering workshops, webinars, and group sessions focused on financial confidence and long-term planning.
These sessions are practical, accessible, and designed to help individuals and families engage more positively with their finances, improving understanding, reducing anxiety, and encouraging better decision-making over time.
Paul’s work is guided by a simple belief:the strongest financial outcomes are achieved through clarity, intention, and thoughtful planning - not by accident. When people understand their position and their direction, better decisions follow, and the journey becomes far more rewarding.
CISI - Level 4 Diploma in Investment Advice (Financial Planning & Advice)
CySEC Advanced
Paul is qualified to advise in all areas of personal financial planning including:
Paul typically works with clients who value long-term thinking and want their finances to support the life they are building, rather than becoming a source of ongoing uncertainty.
He helps clients with:
Clients often work with Paul because they value clarity, perspective, and a calm, structured approach to financial planning.
They choose Paul for his:



