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.

Professional Qualifications:

• CySEC Advanced - EU Investment Professional
• S65 - US Investment Professional
• CTA - UK Chartered Tax Professional
• TEP - International Trust and Estate Professional

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.

Professional Qualifications:

• S65 - US Investment Professional
• Insurance Agent (LA)

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.