Contributors

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With over three decades of professional experience and a unique perspective gained from living as an expat himself, Adrian Flambard is a global strategist with a profound understanding of the international financial journey. His work and contributions focus on the most complex aspects of cross-border financial life, including international pension schemes, trust and company structures, tax strategies, and investment considerations for U.S. expats. His insights are informed by living and working in diverse financial hubs such as Guernsey, Hong Kong, South Africa, New York, and now Portugal.

Adrian is committed to helping expats transform financial complexity into clarity. He shares his seasoned expertise to help readers navigate their global assets and make well-informed financial decisions with confidence. Outside of work, Adrian enjoys keeping fit, exploring the culture of Portugal, and is a keen follower of sports and international current affairs.

With over a decade of experience in financial services, Bennett Linsky is a financial strategist specializing in the unique challenges faced by U.S. expats. His work focuses on cross-border financial planning, retirement strategies, and how individuals and families can effectively manage both domestic and international assets. He is passionate about turning financial complexity into clarity, providing insights that help readers develop strategic plans aligned with their global lifestyle.

As a contributor, Bennett shares his perspective on how expats can access and coordinate support from both U.S.-based and overseas firms, ensuring a seamless approach to managing wealth across jurisdictions. Outside of his professional work, Bennett enjoys golfing and spending time with his wife and their miniature Goldendoodle, Beatrice.

Chris Garbutt is the Director of Passport to Portugal and an experienced relocation and business advisor with a background in international strategy, business structuring, and cross-border client support. As a British national having grown up in Portugal himself, Chris identified the need for a more integrated and client-centric relocation service, one that didn’t stop at the border.

With over a decade of experience advising clients on relocation, property, and investment matters, Chris brings a uniquely hands-on and human approach. Chris and his team work closely with each client to understand their goals and challenges, while building systems that ensure consistent delivery and long-term support.

Teresa Da Fonseca is a Portuguese-South African real estate specialist with deep roots in both markets. With a background in property sales, portfolio management, and international client support, Teresa brings a truly global perspective to Hartley’s.

Fluent in English and Portuguese, and with first-hand experience assisting clients from South Africa, the UK, the US, and beyond, Teresa is well-placed to guide international buyers through the unique challenges and opportunities of the Portuguese property market. Her calm, informed approach and strong local network make her an invaluable asset to the Hartley’s team and to the international clients she supports.

Duarte Amaral da Cruz is a Tax Lawyer / Tax Consultant with 10 years of experience in Portuguese law and in Portuguese‑speaking African countries. With a law degree, a Master’s in Law & Business / Economics, and several years working closely on accounting matters, Duarte has developed a career focused on tax consultancy, tax planning, tax compliance, due diligence, and tax litigation, working daily with Portuguese and foreign clients.

Jim Cassidy is a leading cross-jurisdictional international tax specialist and has a wealth of experience and expertise in global tax planning.  Jim’s approach emphasizes effective tax minimization strategies for international businesses, globally mobile executives, entrepreneurs, athletes, and entertainers.  Jim also has extensive experience with cross-border pension and retirement planning.

During his career as a CPA Jim has spent over 30 years in public accounting that includes over 15 years with Big 4 firms and spent over 4 years on foreign assignments providing US tax services in Toronto and Mexico City.

Jim is currently the Treasurer of the U.S.-Mexico Chamber of Commerce in New York, and he has also served as the Chairman of the International Tax Committee of the New York State Society of CPAs.

Ron’s career in insurance and related financial products began in 1980 as a

life brokerage marketer, with a focus on the high net worth markets and

specialized underwriting.

More than anything else, Ron has been a leading voice in the financial services

industry advocating for responsible product design, client suitability and

successful outcomes for those who purchase financial products.

Ron’s dedication to successful outcomes is evidenced by his multiple

engagements as an expert witness on behalf of those affected by life insurers

who egregiously increased Cost of Insurance rates for older policyholders.

More recently, Ron worked with some of the industry’s top carriers leading the

charge to promote the use of stochastic probability analysis for Indexed and

Variable Life products.

Ron regularly works with high-net-worth families advising them on estate and

tax strategies, and the use of various combinations of financial products to

produce suitable and strategic tax results, with a special focus on

generational planning, expats and foreign nationals.

Ron was a regular contributor to Insurance News Net magazine, and more

recently has authored articles for Aspire Magazine, encouraging industry

participants to think like client advocates when selling and managing life

insurance products.

Ron holds series 7 and 24 securities licenses through Simplicity Investments

located in Summit New Jersey. Ron is licensed to sell life insurance, health

insurance, LTC insurance, e life, annuity products, and life settlements in

multiple states.

Anthony graduated with a finance major from the School of Business, at Rutgers University in

2008. He joined CPI Companies in May 2008, as an intern. Since that time, he’s held multiple

sales and marketing positions.

Today, Anthony is a partner of the firm and directs our brokerage sales efforts. He plans to lead

CPI Companies into the future when his current partners eventually retire.

With over 25 years of sales experience and 17 years with CPI Companies, Anthony focuses on

growing the firm by building relationships and providing top level support to the many

successful financial advisors and their clients who rely on Anthony to help them navigate the life

insurance and annuity product marketplace. His expertise lies in the ability to discuss a client’s

situation, educate, and recommend suitable, honest, and intelligent solutions to meet their goals.

Anthony is leading the charge to increase awareness of the value of incorporating life insurance

and annuity products into a client’s overall retirement plan. He is also an expert when positioning

& obtaining these products for international clients who have a nexus to the United States.

Anthony is licensed to sell fixed life insurance in multiple states and currently working towards

his securities license.

I’m a seasoned FX professional with a decade of experience in client relations across global markets. I design tailored foreign exchange strategies for both enterprise and private clients—helping them navigate currency volatility, manage complex cross‑border transactions, and mitigate risk while unlocking value.

I work with Currencies Direct, one of the world’s leading foreign exchange and international payments providers, known for its cutting‑edge technology and client‑first approach. Backed by global coverage and best‑in‑class software, I ensure every client receives seamless, efficient, and strategic service from start to finish.