OIL, GAS & ENERGY PROFESSIONALS

Overview Firms and individuals in energy (onshore/offshore and FIFO roles) often earn high but cyclical incomes and require plans that withstand boom/bust cycles, rotational work patterns and complex tax residency rules. We focus on income smoothing, risk management and long-term saving.

TYPICAL CHALLENGES 

• Rotational/FIFO pay with irregular spikes and long tax residency uncertainty 
• Exposure to commodity and currency risk 
• Retirement planning disrupted by frequent relocations and different social‑security regimes 
• Protection against job‑related risk and insurable events

SERVICES WE PROVIDE

• Project-pay structuring and income smoothing strategies 
• Tax‑aware compensation planning and residency analysis 
• Currency & commodity risk management via portfolios and hedging strategies 
• Retirement funding for rotational workers and offshore benefit mapping 
• Protection advice for operational risks and income continuity

CASE STUDY

Andrea, Senior Engineer — Offshore Project 

Situation: Andrea experienced three high-income project years followed by two lower-income maintenance years. He was uncertain how to save to meet retirement goals without missing liquidity needs between projects.

Advice: We recommended a split strategy: (1) automatic allocation of 40% of project bonuses into long-term retirement vehicles, (2) 20% into a liquid buffer account to fund off-years, (3) remainder into a growth portfolio calibrated for horizon. We also arranged tailored income-protection and repatriation cover.

Outcome: Andrea maintained stable living standards across cycles, reached annual savings targets, and improved projected retirement income by 30% over five years.