<!doctype html>
<html lang="en-GB">
<head>
  <meta charset="utf-8" />
  <meta name="viewport" content="width=device-width,initial-scale=1" />

  <title>The Financial Educator | Simon Athwal | Financial Advisor</title>
  <meta name="description" content="The Financial Educator by Simon Athwal. Education-led financial planning for expats and internationally mobile professionals: investments, pensions, protection, and long-term strategy." />
  <meta name="keywords" content="The Financial Educator, Simon Athwal, Financial Advisor, Expat Financial Planning, Investment Planning, Retirement Planning, Protection Planning" />
  <link rel="canonical" href="https://thefinancialeducator.co.uk/" />

  <!-- Open Graph -->
  <meta property="og:title" content="The Financial Educator | Simon Athwal" />
  <meta property="og:description" content="Education-led financial planning for expats and globally mobile professionals." />
  <meta property="og:type" content="website" />
  <meta property="og:url" content="https://thefinancialeducator.co.uk/" />

  <link rel="icon" href="/logo.svg" type="image/svg+xml">
  <link rel="stylesheet" href="/styles.css" />

  <!-- Structured data -->
  <script type="application/ld+json">
  {
    "@context": "https://schema.org",
    "@type": "Person",
    "name": "Simon Athwal",
    "url": "https://thefinancialeducator.co.uk",
    "jobTitle": "Financial Advisor",
    "brand": { "@type": "Brand", "name": "The Financial Educator" },
    "knowsAbout": ["Financial Planning","Investments","Pensions","Protection Planning","Expat Financial Planning"],
    "sameAs": ["https://www.linkedin.com/in/simonathwal"]
  }
  </script>
</head>

<body>
  <!-- Top bar -->
  <div class="topbar">
    <div class="container topbar__inner">
      <div class="topbar__left">
        <span class="pill">Education-led</span>
        <span class="sep">•</span>
        <span class="muted">For expats & internationally mobile professionals</span>
      </div>
      <div class="topbar__right">
        <a class="toplink" href="mailto:simon.athwal@skyboundwealth.com">simon.athwal@skyboundwealth.com</a>
        <span class="sep">•</span>
        <a class="toplink" href="tel:+971588515290">+971 58 851 5290</a>
      </div>
    </div>
  </div>

  <!-- Header -->
  <header class="header" id="top">
    <div class="container header__inner">
      <a class="brand" href="#top" aria-label="The Financial Educator home">
        <img class="brand__logo" src="/logo.svg" alt="The Financial Educator logo" />
        <div class="brand__text">
          <div class="brand__name">The Financial Educator</div>
          <div class="brand__tag">Simon Athwal • Financial Advisor</div>
        </div>
      </a>

      <nav class="nav">
        <a href="#services">Services</a>
        <a href="#why">Why me</a>
        <a href="#process">Process</a>
        <a href="#insights">Insights</a>
        <a href="#contact" class="btn btn--small">Book a call</a>
      </nav>
    </div>
  </header>

  <!-- Hero -->
  <section class="hero">
    <div class="hero__bg" aria-hidden="true"></div>

    <!-- Optional image overlay if you add /assets/hero.jpg -->
    <div class="hero__photo" aria-hidden="true"></div>

    <div class="container hero__inner">
      <div class="hero__copy">
        <p class="eyebrow">THE DOCTRINE</p>
        <h1>Financial planning for global lives — built on education, not noise.</h1>
        <p class="lead">
          The Financial Educator is a clarity-first approach to investing, pensions, protection, and long-term planning.
          If your life spans borders, your strategy must be structured for jurisdictional reality — not generic advice.
        </p>

        <div class="cta">
          <a class="btn" href="#contact">Book an appointment</a>
          <a class="btn btn--ghost" href="#services">Explore services</a>
        </div>

        <div class="trust">
          <div class="trust__item">
            <div class="trust__title">Focus</div>
            <div class="trust__sub">Expats & mobile professionals</div>
          </div>
          <div class="trust__item">
            <div class="trust__title">Style</div>
            <div class="trust__sub">Education-led, decisive, structured</div>
          </div>
          <div class="trust__item">
            <div class="trust__title">Outcome</div>
            <div class="trust__sub">A plan you understand and follow</div>
          </div>
        </div>

        <p class="fineprint">
          This website provides general information only and does not constitute personal financial advice.
          Recommendations, if any, are only made after assessing your individual circumstances.
        </p>
      </div>

      <aside class="hero__card">
        <h3>What you get from the first call</h3>
        <ul class="ticks">
          <li>Clarity on priorities and gaps</li>
          <li>Simple next steps, not overwhelm</li>
          <li>Where your biggest risk actually is</li>
        </ul>

        <a class="btn btn--full"
           href="https://outlook.office365.com/owa/calendar/SimonAthwal@skyboundwealth.com/bookings/"
           target="_blank" rel="noopener">
          Open booking page
        </a>

        <div class="hero__links">
          <a href="https://www.skyboundwealth.com" target="_blank" rel="noopener">Skybound Wealth</a>
          <a href="https://www.linkedin.com/in/simonathwal" target="_blank" rel="noopener">LinkedIn</a>
        </div>
      </aside>
    </div>
  </section>

  <!-- Logos / quick credibility strip -->
  <section class="stripe">
    <div class="container stripe__inner">
      <div class="stripe__left">
        <h2>Clarity is the product.</h2>
        <p class="muted">
          Education is not “nice to have” — it is the mechanism that makes good decisions repeatable.
        </p>
      </div>
      <div class="stripe__right">
        <div class="mini">
          <div class="mini__k">Planning</div>
          <div class="mini__v">Investments • Pensions • Protection</div>
        </div>
        <div class="mini">
          <div class="mini__k">Audience</div>
          <div class="mini__v">Expats • Families • Globally mobile</div>
        </div>
      </div>
    </div>
  </section>

  <!-- Services -->
  <section class="section" id="services">
    <div class="container">
      <div class="section__head">
        <h2>Services</h2>
        <p class="muted">
          Advice areas commonly relevant to globally mobile clients. Any recommendations are tailored only after
          understanding your circumstances, objectives, and risk profile.
        </p>
      </div>

      <div class="grid">
        <article class="card">
          <h3>Investment Planning</h3>
          <p>Portfolio strategy aligned to objectives, time horizon, and risk — built to be understood and reviewed.</p>
        </article>

        <article class="card">
          <h3>Pensions & Retirement</h3>
          <p>Retirement planning across timelines and structures, with focus on sustainability and long-term clarity.</p>
        </article>

        <article class="card">
          <h3>Protection Planning</h3>
          <p>Helping ensure appropriate cover is in place for liabilities, dependants, income, and key risks.</p>
        </article>

        <article class="card">
          <h3>Cross-Border Structuring</h3>
          <p>Planning for internationally mobile lives where jurisdictions, residency, and future moves matter.</p>
        </article>
      </div>
    </div>
  </section>

  <!-- Image strip (optional family image) -->
  <section class="imageStrip imageStrip--family1" aria-label="Family planning background section">
    <div class="imageStrip__overlay"></div>
    <div class="container imageStrip__inner">
      <h2>Built for real families and real lives.</h2>
      <p>
        Your plan must work when life changes — not just when everything is stable.
        The goal is structure that holds under pressure.
      </p>
    </div>
  </section>

  <!-- Why me -->
  <section class="section section--alt" id="why">
    <div class="container twoCol">
      <div>
        <h2>Why clients choose The Financial Educator</h2>
        <p class="muted">
          Clients don’t need more information. They need a doctrine — a repeatable way to decide.
          This is education-led planning, built for jurisdictional reality.
        </p>

        <div class="bullets">
          <div class="bullet">
            <h4>Education-first</h4>
            <p>You understand the strategy, the trade-offs, and the “why” behind the plan.</p>
          </div>
          <div class="bullet">
            <h4>Structured process</h4>
            <p>A consistent framework from discovery → strategy → implementation → review.</p>
          </div>
          <div class="bullet">
            <h4>Global mobility lens</h4>
            <p>Planning that respects residency shifts, future moves, and jurisdictional risk.</p>
          </div>
        </div>
      </div>

      <aside class="profile">
        <div class="profile__top">
          <div class="avatar">SA</div>
          <div>
            <div class="profile__name">Simon Athwal</div>
            <div class="profile__sub muted">Financial Advisor • Skybound Wealth</div>
          </div>
        </div>

        <div class="profile__meta">
          <div class="metaRow"><span class="metaKey">Email</span><span class="metaVal"><a href="mailto:simon.athwal@skyboundwealth.com">simon.athwal@skyboundwealth.com</a></span></div>
          <div class="metaRow"><span class="metaKey">Phone</span><span class="metaVal"><a href="tel:+971588515290">+971 58 851 5290</a></span></div>
          <div class="metaRow"><span class="metaKey">Firm</span><span class="metaVal"><a href="https://www.skyboundwealth.com" target="_blank" rel="noopener">skyboundwealth.com</a></span></div>
          <div class="metaRow"><span class="metaKey">LinkedIn</span><span class="metaVal"><a href="https://www.linkedin.com/in/simonathwal" target="_blank" rel="noopener">/in/simonathwal</a></span></div>
        </div>

        <a class="btn btn--full"
           href="https://outlook.office365.com/owa/calendar/SimonAthwal@skyboundwealth.com/bookings/"
           target="_blank" rel="noopener">
          Book an appointment
        </a>

        <p class="fineprint">
          General information only. Personal advice is provided only after suitability assessment.
        </p>
      </aside>
    </div>
  </section>

  <!-- Process -->
  <section class="section" id="process">
    <div class="container">
      <div class="section__head">
        <h2>Process</h2>
        <p class="muted">A simple framework that keeps decisions clear and progress measurable.</p>
      </div>

      <div class="steps">
        <div class="step">
          <div class="step__num">1</div>
          <h3>Discovery</h3>
          <p>Goals, position, constraints, and what “success” means in your context.</p>
        </div>
        <div class="step">
          <div class="step__num">2</div>
          <h3>Education</h3>
          <p>Options explained plainly — so you understand trade-offs and risks.</p>
        </div>
        <div class="step">
          <div class="step__num">3</div>
          <h3>Strategy</h3>
          <p>Clear plan aligned to objectives, horizon, and risk profile.</p>
        </div>
        <div class="step">
          <div class="step__num">4</div>
          <h3>Review</h3>
          <p>Ongoing review as life changes, ensuring the plan remains aligned.</p>
        </div>
      </div>
    </div>
  </section>

  <!-- Testimonials -->
  <section class="section section--alt" id="testimonials">
    <div class="container">
      <div class="section__head">
        <h2>What clients value</h2>
        <p class="muted">Short examples of outcomes you can expect from education-led planning.</p>
      </div>

      <div class="quotes">
        <blockquote class="quote">
          <p>“The plan was finally clear. I understood what we were doing and why.”</p>
          <footer>— Client feedback (example)</footer>
        </blockquote>

        <blockquote class="quote">
          <p>“The process created structure. It stopped the constant second-guessing.”</p>
          <footer>— Client feedback (example)</footer>
        </blockquote>

        <blockquote class="quote">
          <p>“Decisions became simple because the priorities were defined.”</p>
          <footer>— Client feedback (example)</footer>
        </blockquote>
      </div>

      <p class="fineprint">
        Testimonials shown may be illustrative examples. Outcomes differ by individual circumstances and market conditions.
      </p>
    </div>
  </section>

  <!-- Insights -->
  <section class="section" id="insights">
    <div class="container">
      <div class="section__head">
        <h2>Insights</h2>
        <p class="muted">Short educational pieces designed to reduce confusion and improve decision quality.</p>
      </div>

      <div class="posts">
        <a class="post" href="#" aria-label="Insight post placeholder">
          <div class="post__tag">Education</div>
          <h3>Why most financial stress has nothing to do with money</h3>
          <p>Stress is often structural: unclear rules, no doctrine, and too many options with no filter.</p>
          <span class="post__more">Read →</span>
        </a>

        <a class="post" href="#" aria-label="Insight post placeholder">
          <div class="post__tag">Planning</div>
          <h3>The hidden cost of lifestyle inflation</h3>
          <p>Inflation isn’t just prices. It’s decisions that silently shrink future optionality.</p>
          <span class="post__more">Read →</span>
        </a>

        <a class="post" href="#" aria-label="Insight post placeholder">
          <div class="post__tag">Mobility</div>
          <h3>Jurisdictional risk: the part most plans ignore</h3>
          <p>If you may move, your plan must be designed to survive jurisdiction changes.</p>
          <span class="post__more">Read →</span>
        </a>
      </div>
    </div>
  </section>

  <!-- Contact -->
  <section class="section section--alt" id="contact">
    <div class="container contact">
      <div class="contact__left">
        <h2>Contact</h2>
        <p class="muted">
          Book an appointment or send a message. For urgent matters, call/WhatsApp.
        </p>

        <div class="contactCards">
          <div class="contactCard">
            <div class="contactCard__k">Email</div>
            <a class="contactCard__v" href="mailto:simon.athwal@skyboundwealth.com">simon.athwal@skyboundwealth.com</a>
          </div>
          <div class="contactCard">
            <div class="contactCard__k">Phone / WhatsApp</div>
            <a class="contactCard__v" href="tel:+971588515290">+971 58 851 5290</a>
          </div>
          <div class="contactCard">
            <div class="contactCard__k">Firm</div>
            <a class="contactCard__v" href="https://www.skyboundwealth.com" target="_blank" rel="noopener">www.skyboundwealth.com</a>
          </div>
          <div class="contactCard">
            <div class="contactCard__k">LinkedIn</div>
            <a class="contactCard__v" href="https://www.linkedin.com/in/simonathwal" target="_blank" rel="noopener">www.linkedin.com/in/simonathwal</a>
          </div>
        </div>

        <a class="btn"
           href="https://outlook.office365.com/owa/calendar/SimonAthwal@skyboundwealth.com/bookings/"
           target="_blank" rel="noopener">
          Book via Microsoft Bookings
        </a>

        <p class="fineprint">
          Website content is general information and does not constitute advice.
          Any advice is provided only after assessing your individual needs and circumstances.
        </p>
      </div>

      <div class="contact__right">
        <div class="formCard">
          <h3>Send a message</h3>
          <p class="muted">This form opens your email client with a pre-filled message.</p>

          <!-- Mailto form (simple, no backend needed) -->
          <form onsubmit="return openMail(event)">
            <label>
              Your name
              <input required name="name" type="text" placeholder="Your name" />
            </label>

            <label>
              Your email
              <input required name="email" type="email" placeholder="you@example.com" />
            </label>

            <label>
              What do you want help with?
              <select name="topic">
                <option>Investment planning</option>
                <option>Pensions & retirement</option>
                <option>Protection planning</option>
                <option>Cross-border planning</option>
                <option>General enquiry</option>
              </select>
            </label>

            <label>
              Message
              <textarea required name="message" rows="5" placeholder="Briefly describe your situation and what you want to achieve."></textarea>
            </label>

            <button class="btn btn--full" type="submit">Email Simon</button>
            <p class="fineprint">
              By contacting, you agree to be contacted back regarding your enquiry. Do not include sensitive personal data.
            </p>
          </form>
        </div>
      </div>
    </div>
  </section>

  <footer class="footer">
    <div class="container footer__inner">
      <div class="footer__left">
        <img class="footer__logo" src="/logo.svg" alt="The Financial Educator logo" />
        <div>
          <div class="footer__name">The Financial Educator</div>
          <div class="muted">Simon Athwal • Financial Advisor</div>
        </div>
      </div>

      <div class="footer__right">
        <a href="https://www.skyboundwealth.com" target="_blank" rel="noopener">Skybound Wealth</a>
        <a href="https://www.linkedin.com/in/simonathwal" target="_blank" rel="noopener">LinkedIn</a>
        <a href="#top">Back to top</a>
      </div>
    </div>

    <div class="container footer__fine">
      <p class="fineprint">
        © <span id="year"></span> The Financial Educator. General information only — not personal financial advice.
      </p>
    </div>
  </footer>

  <script>
    document.getElementById('year').textContent = new Date().getFullYear();

    function openMail(e){
      e.preventDefault();
      const f = e.target;
      const name = encodeURIComponent(f.name.value);
      const email = encodeURIComponent(f.email.value);
      const topic = encodeURIComponent(f.topic.value);
      const msg = encodeURIComponent(f.message.value);

      const subject = encodeURIComponent(`Website enquiry: ${topic} (${name})`);
      const body = encodeURIComponent(
        `Name: ${name}\nEmail: ${email}\nTopic: ${topic}\n\nMessage:\n${msg}\n`
      );

      window.location.href = `mailto:simon.athwal@skyboundwealth.com?subject=${subject}&body=${body}`;
      return false;
    }
  </script>
</body>
</html>
