You moved. Your money didn’t.

Ten years ago, I left India for London. Today I live in Dubai, and part of my money has always stayed back home.

Anyone who has done this knows the feeling. You leave for a job, a degree, a person, a better life. You build that life slowly, in a new currency. And quietly, your money starts living in two places at once. There’s a salary and a pension where you live now, savings and family where you grew up, and sometimes a third country along the way.

I have spent sixteen years building financial technology, and I still couldn’t get a straight answer to a simple question: what should I do with all of it? Every bank and adviser I dealt with could see one country of my money. None could see both.

When I started talking to people living the same life, I heard my own story again and again. Two accountants who never speak to each other. Four or five apps, and a spreadsheet nobody quite trusts. Stocks bought on a hunch, a post on X or a TikTok video, without anyone asking whether they suit them. And under all of it, the same quiet worry: am I about to make a decision that costs my family years?

We are not a small group. About 281 million people live outside the country they were born in.¹ We are engineers and nurses, doctors and founders. We are the people who send money home, who plan for parents in one country and children in another. We help build the economies we move between. And the financial world still treats us as if we live in one place.

Good advice has always existed. It has been kept for the very wealthy, sold one country at a time, for around 1% of everything you own, every year.² In the US, 74% of millionaires work with a financial adviser; among all adults, it is 34%.³ More than half of advisers ask new clients to bring at least $250,000,⁴ more than the median American family’s entire net worth.⁵ And if your money lives in two countries, more doors close: many of India’s mutual fund houses won’t take new money from investors who live in the US.⁶ You move for a better life, and parts of the financial system quietly shut you out.

I believe that can change now.

For the first time, technology can look at everything you own, in every country, and work out what to do next, with the tax wherever you owe it worked out before you act. Software does the heavy lifting. A person checks every plan before it reaches you, because decisions about your family’s future deserve someone who is accountable for them. Your money stays at your own banks and brokers, in your name. We never hold it or move it.

That is Oregano: one plan for everything you own, wherever you own it, for a flat monthly price. $19 a month for our first 500 members, the same whether you have $5,000 or $5 million. We take no commission on anything we suggest, so there is nothing for us to sell you.

For most of us this was never about returns. It is the home in London, a parent’s care back home, a child’s university abroad, or the day you decide to move back. One life’s decisions. They deserve one plan.

We’re opening to 500 people first. We call them Founding Members, because that’s what they will be. They’ll shape what we build, tell us what we get wrong, and every one of them will have a direct line to me.

You shouldn’t have to choose between the country you live in and the one you came from. Your money shouldn’t have to choose either. Whether your savings already sit in US stocks, or you want them to, it all belongs in one plan.

If your money spans more than one country, or you’d like it to, I would be honoured to build this with you. Request an invitation and tell us where your money lives, and where you’d like it to go. We read every request.

Abhishek TripathiFounder, Oregano

P.S. We’re a small team, and we’re looking for a few more people who have lived this problem and want to solve it: AI engineers, equity researchers, portfolio managers and designers. If that’s you, write to me at abhishek@oregano.club.