Founder of PlanUAE | Founding Partner of Obvio Financial Planning | Expat Financial Planning & Relocation Specialist
Jonathan Howe is a Qualified Financial Adviser (QFA) and European Financial Adviser (EFA) specialising in life-centred financial planning for internationally mobile professionals, entrepreneurs, and expatriate families.
He is the founder of multiple international relocation platforms including PlanUAE, Montenegro Digital Nomad Agency, Montenegro Guides, helping expats relocate, build businesses, and design globally mobile lives.
He is also a Founding Partner and Director of Obvio Financial Planning Ltd, a regulated financial planning firm delivering independent, client-first advice.
With over a decade of experience living, working, and building businesses internationally, Jonathan brings a rare combination of regulated financial expertise, relocation knowledge, and real-world expat experience into a single integrated planning framework.
Professional Profile
Jonathan’s work sits at the intersection of:
- Expat financial planning
- International relocation strategy
- Cross-border life design
- Behavioural personal finance
- Long-term cashflow modelling
- International tax and retirement planning
He works with globally mobile professionals who want more than product sales or fragmented advice — clients who want a structured, life-centred plan that aligns their money with their goals, ambitions, and future lifestyle.
His planning approach focuses on:
- Understanding who clients are and what matters to them
- Modelling their life over 20–40+ years
- Integrating career, relocation, family, and lifestyle decisions
- Structuring savings and investments around future tax and residency realities
- Designing sustainable wealth strategies for internationally mobile lives
Qualifications & Professional Recognition
Jonathan is fully qualified under internationally recognised financial planning standards.
He holds:
- Professional Diploma in Financial Advice (QFA) — Institute of Bankers in Ireland in association with University College Dublin
- European Financial Adviser (EFA) Certification — European Financial Planning Association
These qualifications are recognised across highly regulated jurisdictions including:
- Ireland
- United Kingdom
- European Union
They represent the same regulatory framework used by major European financial institutions and wealth management firms.
Jonathan’s work is grounded in:
- Ethical advice standards
- Client-first fiduciary principles
- Transparent fee structures
- Long-term planning discipline
Life-Centred Financial Planning Philosophy
Jonathan’s planning philosophy is built on a simple principle:
Money should support your life — not control it.
Unlike many commission-driven advisory models, his work is based on lifetime cashflow modelling, behavioural finance, and intentional life design.
He believes financial planning should begin with questions such as:
- What kind of life do you want to live?
- Where do you want to live now and in the future?
- What does security mean to you and your family?
- How do you want to work, travel, retire, and spend your time?
Only after these questions are answered should investment structures, savings strategies, and tax planning be implemented.
This approach ensures that financial decisions are made in the context of the client’s real life — not just market performance or product returns.
Founding Partner – Obvio Financial Planning Ltd
Jonathan is a Founding Partner and Director of Obvio Financial Planning Ltd, a regulated financial planning firm delivering independent, client-first advice to internationally mobile professionals.
Obvio Financial Planning operates under a modern advice framework built around:
- Lifetime cashflow modelling
- Behavioural financial planning
- Transparent fee structures
- Independent product selection
- Evidence-based investment strategy
The firm specialises in:
- Expat and international financial planning
- Retirement planning for globally mobile clients
- Cross-border investment structuring
- Long-term wealth planning for entrepreneurs
- Family financial planning
Obvio exists to provide a genuine alternative to commission-driven sales models that dominate many international expat markets.
Website: https://obvio-fp.com
Founder of PlanUAE
Jonathan founded PlanUAE to solve a growing problem facing modern expatriates:
People move internationally for better careers, higher income, and greater opportunity — but are often left navigating visas, banking, housing, tax, investments, and long-term planning without an integrated strategy.
PlanUAE exists to provide:
- Trusted relocation guidance
- Independent financial planning insight
- Structured expat life planning tools
- Access to vetted service partners
- Clear, unbiased information for expats at every stage
The platform brings together:
- Visas and residency planning
- Real estate guidance
- Banking and financial services
- International tax and retirement considerations
- Family and lifestyle integration
All supported by professional planning frameworks rather than sales-driven advice.
Founder of Montenegro Digital Nomad Agency
https://montenegrodigitalnomad.com
Montenegro Digital Nomad Agency is a relocation and residency consultancy helping entrepreneurs, remote workers, and investors relocate to Montenegro through residency, company formation, and real estate programmes.
Founder of Montenegro Guides
Montenegro Guides is a destination, lifestyle, and relocation platform supporting expats, investors, and long-stay visitors with in-depth local knowledge, property guidance, and regional integration.
Together, these platforms represent over a decade of operational experience in international relocation and expat services.
International Experience & Media Recognition
Jonathan has spent more than a decade building relocation and expat service businesses across Europe and the Middle East, supporting thousands of internationally mobile professionals with relocation, residency, business setup, and lifestyle planning.
His work spans destination development, digital nomad policy, international mobility, and cross-border entrepreneurship.
He has been featured in numerous international publications and media outlets for his work on:
- Remote work and digital nomadism
- International relocation
- Global entrepreneurship
- Location-independent lifestyles
Including:
- Forbes
- Business Insider
- Yahoo Finance
- Daily Mail
- Virtual Vocations
- Vijesti Montenegro
- Mina News
- Global Tourism Forum
- Share Montenegro
- Travelling Buzz
- Caffe Montenegro
- Lustica Bay Magazine
- Diplomacy and Commerce
He has also spoken at international conferences on digital mobility, entrepreneurship, and the future of work.
This public profile gives him a unique perspective on how modern professionals design global lives — and how financial planning must evolve to support that reality.
Areas of Expertise
International Relocation & Residency Expertise
Jonathan’s relocation work includes:
- Digital nomad and remote worker residency programmes
- Investor and entrepreneur residency pathways
- Company formation and business relocation
- Property-backed residency strategies
- Long-stay and second residency planning
- Cross-border relocation structuring
He has worked closely with:
- Government tourism and economic development bodies
- Property developers and investment groups
- Immigration and legal partners
- Business formation authorities
- Banking and financial institutions
This experience directly informs the relocation strategy and residency planning frameworks built into PlanUAE.
Jonathan specialises in:
- Expat financial planning and cashflow modelling
- Cross-border wealth structuring
- International retirement planning
- Behavioural personal finance
- Relocation-led life planning
- Global residency strategy
- International investment planning
- Location-independent entrepreneurship
- Family financial planning for expats
He works with:
- Executives
- Entrepreneurs
- Remote professionals
- Business owners
- Investors
- Globally mobile families
Personal Background
Jonathan is a lifelong entrepreneur and international professional who has built businesses in multiple countries while living across Europe, Asia, South America, Africa, and beyond.
His personal experience as an expat, business owner, and globally mobile professional directly informs his planning work.
He understands first-hand the challenges of:
- Moving countries
- Managing multiple tax systems
- Structuring global income
- Building long-term security abroad
- Planning retirement across borders
- Creating stability for internationally mobile families
His relocation platforms in Montenegro and the UAE reflect a long-term commitment to supporting globally mobile professionals who want to build location-independent lives with legal, financial, and lifestyle stability.
Connect with Jonathan
Jonathan is always open to conversations with people who are serious about building meaningful, well-planned international lives.
- LinkedIn: https://www.linkedin.com/in/j-howe-montenegro/
- PlanUAE: https://planuae.ae/contact-us/
- Obvio Financial Planning: https://obvio-fp.com
- Montenegro Digital Nomad Agency: https://montenegrodigitalnomad.com
- Montenegro Guides: https://montenegroguides.co
About PlanUAE
PlanUAE is an independent expat planning platform founded by Jonathan Howe to help internationally mobile professionals make better decisions about relocation, finance, property, and long-term life planning.
The platform combines:
- Professional financial planning frameworks
- Relocation and residency expertise
- Independent research and guidance
- Vetted global service partners
All built around a client-first, life-centred planning philosophy.
About Obvio Financial Planning
Obvio Financial Planning Ltd is a regulated financial planning firm specialising in life-centred advice for internationally mobile professionals and entrepreneurs.
Website: https://obvio-fp.com
International Relocation & Financial Planning Authority
Jonathan Howe is an internationally recognised relocation entrepreneur and financial planning professional with more than a decade of experience building expat platforms, advising globally mobile professionals, and supporting cross-border life planning.
Through PlanUAE, Obvio Financial Planning, Montenegro Digital Nomad Agency, and Montenegro Guides, he operates a fully integrated international relocation and life planning ecosystem.
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