Michael Sappal

Michael is a Chartered Financial Planner based in Dubai, with more than ten years’ experience in financial services. He began his career in the UK, working across retirement planning, investment strategy and pension transfers. Since moving to Dubai, his work has focused on cross-border financial planning for internationally mobile clients. 

Michael holds Chartered Financial Planner status and the CII Level 6 Advanced Diploma in Financial Planning. He maintains his professional development to meet regulatory and professional standards. 

His approach centres on providing clear, practical advice on cross-border financial matters, with careful attention to regulatory requirements. He advises on areas such as pension consolidation, retirement planning and the structuring of international finances, tailoring recommendations to individual circumstances. 

 Licensed, Registered, or Regulated In  

• Middle East, by the CMA and DFSA 

• UK, in the process of registering with FCA 

• Europe, in the process of registering with Cysec 

Areas of Expertise 

• Pension Transfers 

• Retirement and pension planning 

• Investment portfolio structuring 

• Cross-border financial planning 

• Family & lifestyle protection 

• Long-term savings and wealth accumulation 

Qualifications 

• CII Level 6 Advanced Diploma in Financial Planning 

• CII Level 4 Diploma in Regulated Financial Planning 

• CII Level 4 Certificate in Discretionary Investment Management 

• CII Level 4 Certificate in Securities Advice and Dealing 

• LIBF Level 3 Certificate in Mortgage Advice and Practice (CeMAP) 

• PFS Associate Member of the Chartered Insurance Institute