Designing structure and clarity for people living, working, and planning across borders.
I work with expats, founders, and internationally mobile families who are navigating complex decisions about where to live, how to structure their finances, and how to plan long-term across different countries.
My role sits at the point where strategy meets execution – helping people make informed decisions and then supporting those decisions through dedicated platforms and professional teams.
What I Do
At a high level, my work focuses on three interconnected areas:
- Relocation & Residency
Helping individuals and families establish themselves in new countries, particularly Montenegro and the UAE. - Financial Planning
Supporting long-term financial decision-making for internationally mobile individuals, aligning money with life goals. - Platform & Systems Design
Building and operating specialist platforms that deliver these services properly, compliantly, and at scale.
Rather than offering everything under one umbrella, each area is delivered through a dedicated company designed for that specific purpose.
How I Work
I don’t take a one-size-fits-all approach.
Most people I work with have:
- More than one country involved,
- Multiple moving parts (family, business, assets),
- Decisions that compound over time.
My role is to:
- Clarify the situation – what matters, what doesn’t, and what constraints exist
- Design a structure – legal, financial, and practical
- Coordinate delivery – through the right platform, professionals, and partners
In most cases, I remain involved over time as plans evolve.
Who I Work With
Most clients fall into one or more of the following groups:
- Expats planning a move or already living abroad
- Founders and business owners operating internationally
- Remote professionals and digital nomads
- Families planning residency, schooling, or long-term financial security
If a situation is simple, I’ll say so. If it’s complex, that’s where I add the most value.
Experience & Background
Earlier in my career, I co-founded global travel and lifestyle platforms that reached large international audiences and generated extensive media coverage.
That period gave me deep, practical insight into:
- International living,
- Cross-border logistics,
- and the realities behind “location-independent” lifestyles.
Today, that experience informs a more structured, long-term approach — particularly around finance, residency, and planning for the future.
Credentials
My work is supported by formal qualifications across finance, business, and design, including:
- Qualified Financial Adviser (QFA)
- European Financial Advisor (EFA)
- BSc (Hons) Architectural Design & Technology
- HND in Business Management
This combination underpins a systems-led approach to planning and problem-solving.
Media & Recognition
My work and previous projects have been featured across international and regional media, industry platforms, and conferences.
These features reflect long-standing experience rather than short-term promotion.
Frequently Asked Questions
Who is Jonathan Howe?
Jonathan Howe works with expats, founders, and internationally mobile families on relocation, financial planning, and long-term cross-border structuring through specialist platforms in Montenegro, the UAE, and internationally.
What does Jonathan Howe do?
He designs and operates platforms that help people relocate, structure their finances, and make informed long-term decisions across multiple countries.
Is Jonathan Howe a financial adviser?
Jonathan holds recognised financial planning qualifications and provides financial planning and advice through Obvio Financial Planning, within the appropriate scope and regulatory boundaries.
Where does Jonathan Howe work?
Jonathan works internationally, with a particular focus on Montenegro and the United Arab Emirates. Most of his work is location-independent.
Who does Jonathan Howe work with?
He primarily works with expats, founders, remote professionals, and families planning or managing cross-border living and financial arrangements.
Does Jonathan Howe work alone?
No. While Jonathan is personally involved in strategic and advisory work, services are delivered through established companies, specialist teams, and trusted professional partners.
Get in Touch
If you’d like to understand whether and how I can help with your situation, the best first step is a short message.