Why High Earners Go Broke: Avoid These Financial Traps and Secure Your Future
High earners can fall into financial traps without careful planning. Kieran Tween from Skybound Wealth shares how to protect and grow your wealth.
Kieran Tween is a Private Wealth Manager at Skybound Wealth Management, specialising in helping internationally mobile professionals bring clarity and structure to finances built across multiple countries, currencies, and stages of life.
Clients typically come to Kieran when their finances feel spread across too many places, accounts, and decisions, and they want a clear plan that still works as life changes.
Kieran Tween is a Private Wealth Manager at Skybound Wealth Management, specialising in helping internationally mobile professionals bring clarity and structure to finances built across multiple countries, currencies, and stages of life.
Clients typically come to Kieran when their finances feel spread across too many places, accounts, and decisions, and they want a clear plan that still works as life changes.
Since joining Skybound in 2020 through the firm’s Academy programme, Kieran has worked with clients across Europe, Africa, Asia, and the Middle East. His work focuses on individuals whose financial arrangements have become fragmented over time, often due to frequent international moves, changing income structures, or uncertainty around long-term location or retirement.
Now based in Dubai, Kieran continues to support expatriates and globally mobile professionals who want flexible, long-term planning that can adapt as circumstances evolve.
Kieran began his advisory career after completing a First-Class Honours degree in Economics and gaining early exposure to financial markets through equity trading. Entering the profession via Skybound’s Academy allowed him to develop his approach through structured training alongside live client work from the outset.
Over several years, Kieran has advised clients who have accumulated pensions, investments, and savings across multiple jurisdictions, many of which had not been reviewed for long periods. Clients are often unclear how these arrangements work together, what they cost, or whether they still serve a meaningful purpose.
This experience has shaped Kieran’s focus on helping clients step back, take stock of what they already have, and build a coherent long-term strategy based on their goals, rather than past decisions.
Kieran’s approach is planning first, products second. He believes good advice starts with understanding what a client is trying to achieve before any solutions are considered.
Every client situation is treated individually. Even where backgrounds appear similar, priorities, family circumstances, and time horizons often differ significantly. Advice suitable for a single professional seeking flexibility will not be the same as that required by a family balancing security, protection, and future education costs.
A key part of Kieran’s role is helping clients properly understand their existing arrangements. This includes reviewing legacy pensions and investments, clarifying access, costs, and risk, and ensuring decisions are made with a clear view of both short-term implications and long-term outcomes.
Clients often describe the greatest value of this process as clarity. Once there is a clear plan and an understanding of how each element fits together, decisions become more straightforward and progress more consistent.
Clients choose Kieran for his clear communication, structured thinking, and calm approach to complex financial situations. He is particularly valued by individuals who feel overwhelmed by fragmented finances and want to understand their options properly before making decisions.
Many clients describe Kieran as approachable, knowledgeable, and straightforward. He is known for explaining complex topics in plain language, avoiding pressure, and ensuring clients feel informed and comfortable with the decisions they make.



