From Salary to Strategy: How We Helped Our Client Build Cross-Border Wealth and Real Estate Confidence
Client: Rob Steele
Region: UK & Ghana
Industry: Banking
Client AUM: Undisclosed
How we helped:
- Personal Financial Planning
- Wealth & Real Estate Strategy
Background
Rob Steele is a UK-based professional working in the banking industry. As his career progressed, he sought a structured approach to managing his finances, with a particular focus on generating predictable income to supplement his monthly salary.
The relationship began in 2019 and has since developed into a long-term, multi-product partnership spanning wealth management and real estate strategy across the UK and Ghana.
The Challenge
Rob’s primary objectives were to:
Create a reliable and predictable cash flow
Supplement salary income with investment returns
Balance income generation with long-term capital growth
Integrate wealth planning with future real estate ambitions
He also required guidance across multiple banking relationships and jurisdictions
Our Approach
We began by reviewing Rob’s income requirements, risk profile, and long-term goals. Based on this assessment, we designed an investment strategy that combined income-generating assets with growth opportunities.
As trust and performance were established, the relationship expanded to include real estate advisory and execution through JA Realty (trading as Collins & Cooper), allowing for a fully integrated wealth and property strategy.
The Solution
Wealth Management
We constructed a balanced investment portfolio designed to deliver both income and growth. The portfolio has consistently generated approximately 18% blended annual returns on a Sterling currency basis, providing Rob with dependable income alongside capital appreciation.
Real Estate Strategy
In Ghana, Rob owned an old family property located in an upscale suburb of Accra. We developed a comprehensive strategy to optimise the asset, secured the mandate to execute the project, and oversaw the demolition and redevelopment of the property into a modern home.
The new property was designed to:
Serve as a family residence
Create future monetisation opportunities
In addition, we supported Rob with property acquisitions and transactions in the United Kingdom, ensuring continuity across both markets.
The Results
Approximately 18% blended annual investment return on Sterling
Predictable cash flow supplementing the monthly salary
Successful redevelopment of a high-value property in Accra
Cross-border property support in Ghana and the UK
Multi-bank, multi-product advisory relationship
A trusted, long-term partnership built on performance
Client Impact:
Through a disciplined investment strategy and integrated real estate execution, Rob achieved greater financial predictability, diversified asset growth, and confidence in managing his wealth across borders. The partnership continues to evolve as his financial and property ambitions expand.
Find out more about our Personal Finance advisory services
