Lead Analyst — Lombard Loans & Golden Visa Programmes

Luke D. Coupe CISI Level 7

Chartered Wealth Manager · Investment Migration Advisor

Luke D. Coupe is a CISI Level 7 Chartered Wealth Manager specialising in cross-border wealth management and investment immigration for high-net-worth and ultra-high-net-worth families. With 10 years of experience advising HNW and UHNW clients and 7 years advising on investment migration and golden visa programmes, Luke has guided families through complex residency by investment pathways including Portugal Golden Visa, New Zealand AIP, Greece Golden Visa, and US EB-5 programmes. He holds an MSc in Global Finance, an LLB in Law, and a Post-Graduate in Financial Planning from the University of the Free State. He serves as an advisor to the University of London's finance committee. Luke advises on Lombard loan structuring, Swiss wealth management, international tax optimization, asset-backed lending strategies, and multi-jurisdictional estate planning.

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Credentials & Background

Designation

CISI Level 7 — Chartered Wealth Manager

Experience

10 years advising HNW/UHNW, 7 years in investment migration

Specialisation

Lombard loan financing for investment immigration

Programmes covered

32+ residency & citizenship programmes

Client base

UHNW families from Asia, Middle East, Europe & Americas

University Advisor

University of London's finance committee

Post-Graduate

Financial Planning, University of the Free State

Analytical Methodology

How Luke evaluates Lombard financing options and golden visa programmes for ultra-high-net-worth clients.

Lombard Loan Structuring

Luke analyses loan-to-value ratios, eligible collateral, and interest rate scenarios across 12+ private banks to find the optimal structure for each client's portfolio and target visa programme.

Programme Comparison Framework

Every programme recommendation is evaluated across six dimensions: investment threshold, processing timeline, residency obligation, path to citizenship, tax treaty exposure, and Lombard financing eligibility.

Risk-Adjusted Pathway Selection

Investment immigration decisions carry 5-10 year lock-up implications. Luke applies a sovereign risk overlay and regulatory stability score to every programme recommendation.

Portfolio-First Advisory

Unlike most immigration advisors, Luke builds recommendations around the client's existing portfolio — optimising collateral allocation, currency exposure, and dividend yield to service the Lombard loan.

Areas of Expertise

Lombard Loan Structuring

Golden Visa Advisory

Cross-Border Tax Planning

Investment Immigration

Portfolio-Backed Lending

UHNW Family Office Services

International Asset Protection

Residency by Investment Programmes

Swiss Wealth Management

"The biggest mistake UHNW investors make is treating golden visa decisions as immigration decisions. They are wealth management decisions first — with immigration as the outcome."

— Luke D. Coupe, CISI Level 7 | Global Residency Advisors