This document discusses wealth management solutions for expats. It notes that expats often have higher salaries and lower costs in other countries, and many jurisdictions offer favorable tax regimes. It emphasizes the importance of securing one's financial future through offshore wealth management and planning for taxes, investments, insurance, wills and more. Careful financial planning can help expats build a secure financial nest egg and protect their wealth and assets no matter where they live or work.
Alpha Wealth is an independent financial advisory company based in Ireland. Their mission is to provide impartial financial advice and excellent customer service to individuals, families, and companies. They offer advice on savings and investments, financial planning, tax planning, insurance, pensions, retirement planning, business advice, and health insurance. The team of advisors at Alpha Wealth have over 50 years of combined experience in financial services.
The document discusses the financial planning services provided by Investors Group, including their expertise in investment management, product offerings in investments, insurance, banking and lending, and goal-based financial planning process to help clients achieve their financial objectives. Investors Group uses a team approach and ongoing review to create customized financial plans and manage client investments over the long-term. The core of their services includes investment management, products and solutions tailored for diversity, and world-class money management expertise.
The document discusses Investors Group, a Canadian financial services company that offers personalized financial planning and investment management services. It highlights Investors Group's experience, assets under management, office network, and affiliation with Power Financial Corporation. The summary discusses Investors Group's approach to understanding clients' financial goals and situations in order to design comprehensive financial plans and investment portfolios tailored to each client.
The document discusses the financial planning and investment services provided by Investors Group, including their experience and expertise in comprehensive investment management. It highlights the various products and services offered such as mutual funds, tax planning, insurance, banking, and mortgages. The focus is on creating a personalized financial plan to help clients achieve their financial goals for retirement, their family, and the future.
This document provides updates from an independent financial advisory firm on recent changes in the financial industry. It discusses:
1) The introduction of new pension freedom rules in the UK, which were well-received as they provide more flexibility in how pension benefits can be taken. The firm has acquired a new planning tool to help clients understand their options.
2) Continued global market volatility in 2015 and the importance of reducing investment risk. The firm's wealth management service addresses this.
3) The impact of auto-enrollment legislation on small employers and the firm's development of a low-cost workplace pension scheme for clients who own businesses.
4) Introductions for the financial advisors at the firm and
The document is a marketing brochure for First Capital Financial Concepts, an integrated wealth management firm. It summarizes the firm's services as providing a holistic, client-centered approach to managing all aspects of a client's finances through coordination of their various advisors. The firm claims to optimize clients' wealth through strategies to reduce taxes, risks, and costs while increasing income and protecting assets. Clients work directly with a designated Capital Coach who serves as a single point of contact and provides comprehensive reporting on their entire financial situation.
Swindells LLP is a firm of chartered accountants and tax advisers with two locations. They provide services to a range of clients including multi-national companies, UK trading companies, lottery winners, families with inheritance tax issues, high net worth individuals. The document discusses strategies for reducing inheritance tax exposure such as flexible trust planning which allows gifting assets but retaining access if needed, and business property relief for non-business owners which provides IHT exemption after two years of asset ownership. A case study of a couple with various assets worth £1.5 million is presented, showing how their IHT bill could be reduced.
The document discusses Investors Group, a Canadian financial services company that offers personalized financial planning and investment management services. It highlights Investors Group's experience, assets under management, office network, and affiliation with Power Financial Corporation. The summary discusses Investors Group's approach to understanding clients' financial goals and situations in order to design comprehensive financial plans and investment portfolios tailored to each client.
Alpha Wealth is an independent financial advisory company based in Ireland. Their mission is to provide impartial financial advice and excellent customer service to individuals, families, and companies. They offer advice on savings and investments, financial planning, tax planning, insurance, pensions, retirement planning, business advice, and health insurance. The team of advisors at Alpha Wealth have over 50 years of combined experience in financial services.
The document discusses the financial planning services provided by Investors Group, including their expertise in investment management, product offerings in investments, insurance, banking and lending, and goal-based financial planning process to help clients achieve their financial objectives. Investors Group uses a team approach and ongoing review to create customized financial plans and manage client investments over the long-term. The core of their services includes investment management, products and solutions tailored for diversity, and world-class money management expertise.
The document discusses Investors Group, a Canadian financial services company that offers personalized financial planning and investment management services. It highlights Investors Group's experience, assets under management, office network, and affiliation with Power Financial Corporation. The summary discusses Investors Group's approach to understanding clients' financial goals and situations in order to design comprehensive financial plans and investment portfolios tailored to each client.
The document discusses the financial planning and investment services provided by Investors Group, including their experience and expertise in comprehensive investment management. It highlights the various products and services offered such as mutual funds, tax planning, insurance, banking, and mortgages. The focus is on creating a personalized financial plan to help clients achieve their financial goals for retirement, their family, and the future.
This document provides updates from an independent financial advisory firm on recent changes in the financial industry. It discusses:
1) The introduction of new pension freedom rules in the UK, which were well-received as they provide more flexibility in how pension benefits can be taken. The firm has acquired a new planning tool to help clients understand their options.
2) Continued global market volatility in 2015 and the importance of reducing investment risk. The firm's wealth management service addresses this.
3) The impact of auto-enrollment legislation on small employers and the firm's development of a low-cost workplace pension scheme for clients who own businesses.
4) Introductions for the financial advisors at the firm and
The document is a marketing brochure for First Capital Financial Concepts, an integrated wealth management firm. It summarizes the firm's services as providing a holistic, client-centered approach to managing all aspects of a client's finances through coordination of their various advisors. The firm claims to optimize clients' wealth through strategies to reduce taxes, risks, and costs while increasing income and protecting assets. Clients work directly with a designated Capital Coach who serves as a single point of contact and provides comprehensive reporting on their entire financial situation.
Swindells LLP is a firm of chartered accountants and tax advisers with two locations. They provide services to a range of clients including multi-national companies, UK trading companies, lottery winners, families with inheritance tax issues, high net worth individuals. The document discusses strategies for reducing inheritance tax exposure such as flexible trust planning which allows gifting assets but retaining access if needed, and business property relief for non-business owners which provides IHT exemption after two years of asset ownership. A case study of a couple with various assets worth £1.5 million is presented, showing how their IHT bill could be reduced.
The document discusses Investors Group, a Canadian financial services company that offers personalized financial planning and investment management services. It highlights Investors Group's experience, assets under management, office network, and affiliation with Power Financial Corporation. The summary discusses Investors Group's approach to understanding clients' financial goals and situations in order to design comprehensive financial plans and investment portfolios tailored to each client.
This document summarizes the services of DeVere Group, an independent financial consultancy. It begins by dispelling three myths about financial planning: that it is only for the rich, only involves investing advice, and can be handled alone. It then introduces DeVere Group and its parent company Acuma. Key services discussed include life insurance, online fund platforms, education planning, retirement planning, and the client onboarding process. The document emphasizes that financial planning involves achieving goals and should be handled with expert guidance over the long term.
- The document provides an investment strategy recommendation from Brinker Capital, Inc. to a valued client.
- It recommends an Aggressive Equity - Qualified Asset Allocation Strategy that seeks to maximize long-term capital appreciation through a portfolio emphasizing equity, especially large-cap domestic and international stocks, with smaller allocations to other asset classes like real assets, absolute return strategies, and private equity.
- Historical performance shows the recommended strategy outperformed a blended benchmark of broad market indices over various periods since inception, though past performance is not a guarantee of future results.
The document summarizes the roles of Infinity Financial Solutions and Tilney Bestinvest in providing investment management services to clients. It states that Infinity acts as the financial planner, developing investment plans based on clients' goals and risk tolerance. Tilney Bestinvest then acts as the specialist investment manager, using research and expertise to select investments and manage the portfolios to achieve the objectives. The partnership is designed to provide clients with professional financial planning and investment management services.
Tilney Bestinvest provides award-winning investment management services and model portfolios for high net worth individuals. They have a dedicated research team that conducts in-depth analysis of funds and fund managers to select top investments. Working with Infinity Financial Solutions, Tilney Bestinvest offers both model and bespoke portfolio options to meet clients' varying risk tolerances and investment goals. Their active management approach aims to maximize returns while carefully managing downside risks.
This document discusses the importance of financial planning and outlines the benefits of working with a Certified Financial Planner (CFP) professional. It notes that comprehensive financial planning can help people achieve their life goals, retire comfortably, and have peace of mind. While financial planning is not regulated in most provinces, working with a CFP who abides by an ethical code can increase the likelihood of staying on track financially. The document encourages vetting any financial advisor's credentials and experience.
Smart money november december_2013 issue_singles_perOliver Taylor
This document is a magazine that provides financial advice to help readers make more of their money. The main articles discuss:
1) Giving grandchildren pensions as gifts that provide tax benefits and set them up for retirement.
2) The importance of reviewing one's long-term pension investment strategy and considering different options like income drawdown to maximize funds for retirement.
3) Writing a will as a new year's resolution to ensure one's estate goes to loved ones and avoids unnecessary taxes.
Dukes Wealth Management provides financial planning services including investments, retirement planning, estate planning, insurance, and wealth management to help clients achieve peace of mind. As a small, personal firm, Dukes understands clients' individual needs and works closely with them to develop tailored plans and ensure their financial goals and values are realized. Dukes aims to guide clients in taking control of their finances through expert advice and recommendations.
The document outlines the six key areas of a comprehensive financial plan: current snapshot, manage risk, accumulate wealth, control taxes, plan for retirement, and leave a legacy. It provides details on what each area involves, such as creating a clear picture of goals, capturing current income and expenses, protecting against financial risks, leveraging investments to support goals, evaluating tax strategies, planning for how retirement will look, and distributing an estate effectively. The overall scope is to develop a plan that addresses all of these essential areas and fits an individual's unique financial situation and priorities.
RSA Financial Group is a financial advisory firm established in 1983 that helps both businesses and individuals achieve their financial goals through comprehensive financial planning and implementation. The firm believes in developing a deep understanding of each client's unique situation and goals to design customized strategies and solutions. It offers services including retirement planning, insurance, investment management, business succession planning, and charitable giving strategies.
Taylor Financial Group is a wealth management firm that offers comprehensive financial planning and investment management services. Their mission is to exceed client expectations by providing the best experience managing their money and transforming their lives. They have over 20 years of experience and provide unbiased advice through their independent broker-dealer. They create customized portfolios for clients based on their specific needs and goals and seek to deliver superior performance through active management.
This document summarizes an NPA/ALO-OKI financial education workshop held in November 2013. It discusses the basics of money, its definition, common uses, and better uses through proper management. It emphasizes the importance of budgeting one's income and expenses, saving a portion of earnings, and having multiple streams of income. Taxes are defined as compulsory contributions to the government, including income, sales, VAT, and withholding taxes, which citizens are obligated to pay.
This document discusses and compares two types of pension structures: SIPPs (Self Invested Personal Pensions) and QROPS (Qualifying Regulated Overseas Pension Schemes). SIPPs are UK-based pension plans that provide flexibility to invest in a wide range of opportunities. QROPS are international pension plans recognized by HMRC that are not subject to changing UK legislation and provide improved tax efficiency when residing outside the UK. The suitability of a SIPP or QROPS depends on factors such as country of residence, retirement plans, total pension funds, and tax implications. The document emphasizes getting personalized advice to determine the best option based on an individual's unique needs and circumstances.
The document provides an overview of the key components of an effective lesson plan for teachers, including objectives, introduction, teaching methods, activities, materials, assessment, and evaluation. It discusses how a well-designed lesson plan helps provide structure for teachers and aids student learning. The lesson plan components are intended to guide teachers and keep students engaged and on track to achieving the objectives.
The document discusses the importance of education fees planning to ensure one's children receive a quality education. It notes that costs for university and private schooling have risen significantly in recent years. Guardian Wealth Management can help clients plan their education savings through various options like investments, bonds, and tax advantages to have the funds needed for their children's education costs. Starting a fees plan early allows more time for savings to grow and makes financing their education with minimum hassle.
Susmita Bardhan_5.5_Years_Exp_in_Oracle Apps HRMS and Finance_TestingSusmita Bardhan
This document provides a resume for Susmita Bardhan summarizing her professional experience in testing for various clients over 5.5 years at Cognizant Technology Solutions. She has experience leading testing teams and executing manual testing, test case development, defect tracking, and test management for various Oracle applications including EBS, HRMS, and other modules. Recent projects include testing for John Lewis, Aimco, 7-Eleven, Wyndham, Family Dollar, and Schneider. She has technical skills in Oracle applications, Quality Center, Excel, and programming languages.
The document provides a financial planning primer for US taxpayers living abroad. It highlights reporting and compliance requirements for US taxpayers under current legislation. It also outlines strategies for saving in a tax efficient manner for retirement. Key points include understanding FATCA global reporting rules, reporting annual income and worldwide assets, and exploring tax treaties and structures like International Pension Plans to maximize tax efficiency and flexibility. Overall the document aims to help US taxpayers living abroad understand their obligations while pursuing wealth accumulation and retirement planning goals.
A QROPS (Qualifying Recognised Overseas Pension Scheme) is a pension plan designed for globally mobile workers that offers tax advantages and benefits for expats. It allows pension savings from different plans and careers to be consolidated into one portfolio. Key benefits include taking control of investments, receiving a bigger tax-free lump sum upon retirement up to 30% of the fund, avoiding potential UK pension tax allowance charges if savings exceed £1.25M, and passing more to beneficiaries with no inheritance tax due. QROPS can help maximize retirement funds through lower income taxes abroad compared to the UK system and greater flexibility over drawing income.
This document provides information about the importance of retirement planning and conducting a retirement review. It stresses that planning ahead is crucial to ensure retirees can afford their desired lifestyle. A retirement review involves assessing a person's needs, objectives, current pensions and policies to understand what income they are projected to receive and if there are any gaps. It aims to help people position themselves best for retirement rules and afford their plans. The document dispels some common myths about retirement planning, such as relying solely on the state pension, treating a business or home as a pension, or believing it is too late to plan. It emphasizes taking advice from financial experts to understand retirement options and make the most of pension plans.
Git is a free and open source distributed version control system designed by Linus Torvalds in 2005 to handle everything from small to large projects with speed and efficiency. It allows for tracking changes to code, collaborative work, and reverting to previous versions of code. GitHub is a site for hosting Git repositories online that adds features like documentation, bug tracking, and code review via pull requests. Common Git commands include git init to initialize a repository, git add to stage changes, git commit to save changes to the project history, and git push to upload changes to a remote repository.
Julian Barnes "A History of the World in 10 1/2 Chapters"kseniya1ivonchyk
This document provides biographical information about author Julian Barnes and summarizes his postmodern novel "A History of the World in 101⁄2 Chapters". It describes Barnes' career and awards. For the novel, it outlines the plot structure involving 10 chapters that use irony and playfulness to offer alternative accounts of historical events. The chapters jump between different time periods and genres to comment on the construction of history. Key symbols and themes involving God, the sea, survival, and perspectives on history are discussed.
Jonathan Swift was an Anglo-Irish satirist born in Dublin in 1667. Through connections and generosity, he was educated at Kilkenny Grammar School and Trinity College Dublin. He worked as a secretary to Sir William Temple, learning about politics. His most famous work is Gulliver's Travels, a satire of human nature published in 1726, describing Gulliver's voyages to Lilliput, Brobdingnag, Laputa, and the land of the Houyhnhnms, satirizing human vanity and irrationality. He died in 1745 after a three-year illness of insanity.
This document summarizes the services of DeVere Group, an independent financial consultancy. It begins by dispelling three myths about financial planning: that it is only for the rich, only involves investing advice, and can be handled alone. It then introduces DeVere Group and its parent company Acuma. Key services discussed include life insurance, online fund platforms, education planning, retirement planning, and the client onboarding process. The document emphasizes that financial planning involves achieving goals and should be handled with expert guidance over the long term.
- The document provides an investment strategy recommendation from Brinker Capital, Inc. to a valued client.
- It recommends an Aggressive Equity - Qualified Asset Allocation Strategy that seeks to maximize long-term capital appreciation through a portfolio emphasizing equity, especially large-cap domestic and international stocks, with smaller allocations to other asset classes like real assets, absolute return strategies, and private equity.
- Historical performance shows the recommended strategy outperformed a blended benchmark of broad market indices over various periods since inception, though past performance is not a guarantee of future results.
The document summarizes the roles of Infinity Financial Solutions and Tilney Bestinvest in providing investment management services to clients. It states that Infinity acts as the financial planner, developing investment plans based on clients' goals and risk tolerance. Tilney Bestinvest then acts as the specialist investment manager, using research and expertise to select investments and manage the portfolios to achieve the objectives. The partnership is designed to provide clients with professional financial planning and investment management services.
Tilney Bestinvest provides award-winning investment management services and model portfolios for high net worth individuals. They have a dedicated research team that conducts in-depth analysis of funds and fund managers to select top investments. Working with Infinity Financial Solutions, Tilney Bestinvest offers both model and bespoke portfolio options to meet clients' varying risk tolerances and investment goals. Their active management approach aims to maximize returns while carefully managing downside risks.
This document discusses the importance of financial planning and outlines the benefits of working with a Certified Financial Planner (CFP) professional. It notes that comprehensive financial planning can help people achieve their life goals, retire comfortably, and have peace of mind. While financial planning is not regulated in most provinces, working with a CFP who abides by an ethical code can increase the likelihood of staying on track financially. The document encourages vetting any financial advisor's credentials and experience.
Smart money november december_2013 issue_singles_perOliver Taylor
This document is a magazine that provides financial advice to help readers make more of their money. The main articles discuss:
1) Giving grandchildren pensions as gifts that provide tax benefits and set them up for retirement.
2) The importance of reviewing one's long-term pension investment strategy and considering different options like income drawdown to maximize funds for retirement.
3) Writing a will as a new year's resolution to ensure one's estate goes to loved ones and avoids unnecessary taxes.
Dukes Wealth Management provides financial planning services including investments, retirement planning, estate planning, insurance, and wealth management to help clients achieve peace of mind. As a small, personal firm, Dukes understands clients' individual needs and works closely with them to develop tailored plans and ensure their financial goals and values are realized. Dukes aims to guide clients in taking control of their finances through expert advice and recommendations.
The document outlines the six key areas of a comprehensive financial plan: current snapshot, manage risk, accumulate wealth, control taxes, plan for retirement, and leave a legacy. It provides details on what each area involves, such as creating a clear picture of goals, capturing current income and expenses, protecting against financial risks, leveraging investments to support goals, evaluating tax strategies, planning for how retirement will look, and distributing an estate effectively. The overall scope is to develop a plan that addresses all of these essential areas and fits an individual's unique financial situation and priorities.
RSA Financial Group is a financial advisory firm established in 1983 that helps both businesses and individuals achieve their financial goals through comprehensive financial planning and implementation. The firm believes in developing a deep understanding of each client's unique situation and goals to design customized strategies and solutions. It offers services including retirement planning, insurance, investment management, business succession planning, and charitable giving strategies.
Taylor Financial Group is a wealth management firm that offers comprehensive financial planning and investment management services. Their mission is to exceed client expectations by providing the best experience managing their money and transforming their lives. They have over 20 years of experience and provide unbiased advice through their independent broker-dealer. They create customized portfolios for clients based on their specific needs and goals and seek to deliver superior performance through active management.
This document summarizes an NPA/ALO-OKI financial education workshop held in November 2013. It discusses the basics of money, its definition, common uses, and better uses through proper management. It emphasizes the importance of budgeting one's income and expenses, saving a portion of earnings, and having multiple streams of income. Taxes are defined as compulsory contributions to the government, including income, sales, VAT, and withholding taxes, which citizens are obligated to pay.
This document discusses and compares two types of pension structures: SIPPs (Self Invested Personal Pensions) and QROPS (Qualifying Regulated Overseas Pension Schemes). SIPPs are UK-based pension plans that provide flexibility to invest in a wide range of opportunities. QROPS are international pension plans recognized by HMRC that are not subject to changing UK legislation and provide improved tax efficiency when residing outside the UK. The suitability of a SIPP or QROPS depends on factors such as country of residence, retirement plans, total pension funds, and tax implications. The document emphasizes getting personalized advice to determine the best option based on an individual's unique needs and circumstances.
The document provides an overview of the key components of an effective lesson plan for teachers, including objectives, introduction, teaching methods, activities, materials, assessment, and evaluation. It discusses how a well-designed lesson plan helps provide structure for teachers and aids student learning. The lesson plan components are intended to guide teachers and keep students engaged and on track to achieving the objectives.
The document discusses the importance of education fees planning to ensure one's children receive a quality education. It notes that costs for university and private schooling have risen significantly in recent years. Guardian Wealth Management can help clients plan their education savings through various options like investments, bonds, and tax advantages to have the funds needed for their children's education costs. Starting a fees plan early allows more time for savings to grow and makes financing their education with minimum hassle.
Susmita Bardhan_5.5_Years_Exp_in_Oracle Apps HRMS and Finance_TestingSusmita Bardhan
This document provides a resume for Susmita Bardhan summarizing her professional experience in testing for various clients over 5.5 years at Cognizant Technology Solutions. She has experience leading testing teams and executing manual testing, test case development, defect tracking, and test management for various Oracle applications including EBS, HRMS, and other modules. Recent projects include testing for John Lewis, Aimco, 7-Eleven, Wyndham, Family Dollar, and Schneider. She has technical skills in Oracle applications, Quality Center, Excel, and programming languages.
The document provides a financial planning primer for US taxpayers living abroad. It highlights reporting and compliance requirements for US taxpayers under current legislation. It also outlines strategies for saving in a tax efficient manner for retirement. Key points include understanding FATCA global reporting rules, reporting annual income and worldwide assets, and exploring tax treaties and structures like International Pension Plans to maximize tax efficiency and flexibility. Overall the document aims to help US taxpayers living abroad understand their obligations while pursuing wealth accumulation and retirement planning goals.
A QROPS (Qualifying Recognised Overseas Pension Scheme) is a pension plan designed for globally mobile workers that offers tax advantages and benefits for expats. It allows pension savings from different plans and careers to be consolidated into one portfolio. Key benefits include taking control of investments, receiving a bigger tax-free lump sum upon retirement up to 30% of the fund, avoiding potential UK pension tax allowance charges if savings exceed £1.25M, and passing more to beneficiaries with no inheritance tax due. QROPS can help maximize retirement funds through lower income taxes abroad compared to the UK system and greater flexibility over drawing income.
This document provides information about the importance of retirement planning and conducting a retirement review. It stresses that planning ahead is crucial to ensure retirees can afford their desired lifestyle. A retirement review involves assessing a person's needs, objectives, current pensions and policies to understand what income they are projected to receive and if there are any gaps. It aims to help people position themselves best for retirement rules and afford their plans. The document dispels some common myths about retirement planning, such as relying solely on the state pension, treating a business or home as a pension, or believing it is too late to plan. It emphasizes taking advice from financial experts to understand retirement options and make the most of pension plans.
Git is a free and open source distributed version control system designed by Linus Torvalds in 2005 to handle everything from small to large projects with speed and efficiency. It allows for tracking changes to code, collaborative work, and reverting to previous versions of code. GitHub is a site for hosting Git repositories online that adds features like documentation, bug tracking, and code review via pull requests. Common Git commands include git init to initialize a repository, git add to stage changes, git commit to save changes to the project history, and git push to upload changes to a remote repository.
Julian Barnes "A History of the World in 10 1/2 Chapters"kseniya1ivonchyk
This document provides biographical information about author Julian Barnes and summarizes his postmodern novel "A History of the World in 101⁄2 Chapters". It describes Barnes' career and awards. For the novel, it outlines the plot structure involving 10 chapters that use irony and playfulness to offer alternative accounts of historical events. The chapters jump between different time periods and genres to comment on the construction of history. Key symbols and themes involving God, the sea, survival, and perspectives on history are discussed.
Jonathan Swift was an Anglo-Irish satirist born in Dublin in 1667. Through connections and generosity, he was educated at Kilkenny Grammar School and Trinity College Dublin. He worked as a secretary to Sir William Temple, learning about politics. His most famous work is Gulliver's Travels, a satire of human nature published in 1726, describing Gulliver's voyages to Lilliput, Brobdingnag, Laputa, and the land of the Houyhnhnms, satirizing human vanity and irrationality. He died in 1745 after a three-year illness of insanity.
Mutual fund - Marketing Perspective, Investment Vehicles Plans in UAE, Abu Dh...Expat Wealth Care
A case study on Mutual Fund Management Marketing Perspective - investment vehicles plans in UAE, Dubai and Abu Dhabi. We offer best mutual funds investment plan in UAE.
Rathbones provides individualized investment management services and manages money for a variety of clients, including individuals, families, charities, and advisers. They take a personalized approach to understand each client's unique priorities and circumstances. Rathbones has been in business since 1742 and aims to achieve consistent long-term returns through active management of individual client portfolios.
The document provides information about Endorphin Wealth Management, a financial planning firm that offers personalized wealth management services and strategies. They help clients achieve their financial goals at every stage of life, from starting out to retirement. Endorphin advisers get to know each client's unique situation and priorities to develop tailored investment and planning solutions. The firm aims to guide clients towards financial success and security now and in the future.
Square Mile Asset Management Limited is authorised and regulated by the Financial Services Authority. The document discusses setting investment goals and choosing appropriate investments based on an individual's risk tolerance, time horizon, and objectives. It notes that initially setting aside short-term savings for emergencies is prudent, while longer-term investments can involve more risk but also potentially higher returns. The right investment strategy depends on balancing these factors as well as understanding taxes and costs.
- Life insurance can provide significant tax advantages for protecting wealth and accumulating funds for future income in addition to providing a death benefit for families. Increases in the policy's cash value are not subject to income, capital gains, or Medicare taxes like they would be for other investments. It also offers tax-deferred growth and tax-free access to the policy's cash value.
- Higher income tax rates are reducing the impact of savings strategies, so life insurance is a smart solution to offset these taxes. Features like supplemental savings options, access to funds for medical costs, and surrender provisions provide additional financial flexibility.
- When reviewing savings strategies, advisors should consider the tax benefits of life insurance policies, which can help
Our Core Business : Holistic personalized approach to financial planningOMIRAJ
Our personalized approach to financial planning involves developing plans around the six basic disciplines of financial planning: investments, planning, tax planning, estate planning, risk management, and cash management. These plans are monitored and changed as necessary. Planning is a lifelong process aimed at achieving financial goals and objectives. For assistance with any financial matters, please contact Turenne Joseph.
Introduction To Financial Planning And Wealth AdviceFrank Agliotti
The document provides information about Wisdom for Wealth, a financial planning and wealth advice practice established in 2000. It discusses the benefits of financial planning such as maintaining capital and income, minimizing taxes, and achieving financial independence in retirement. It also outlines the investment management services provided, including developing personalized investment strategies, selecting reputable money managers, and taking a long-term diversified approach. Clients benefit from a team approach with their personal financial planner and support staff.
The document provides an overview of financial planning and wealth management. It discusses the importance of financial planning in helping people achieve their goals and aspirations through wealth creation, protection, and growth. It covers various components of financial planning including insurance, investment, tax, estate, and retirement planning. It also highlights the roles and opportunities for wealth creators and financial planners in the Indian economy.
The document outlines 10 reasons to use a financial adviser:
1) They can help assess your needs and recommend the best options to protect yourself and your family from financial hardship due to personal tragedy.
2) They can help plan both your spending and saving to build assets and wealth as efficiently as possible for both short and long-term needs.
3) They can help plan for retirement by sorting through pension and investment options to maximize your long-term prospects.
If you are between 25- 45 yrs. of Age,Working & Serious about achieving success in your Financial Future, here are some guidelines.......... which can help you.
Traust Sollus is an exclusive wealth management firm that provides personalized financial planning and investment management services to affluent clients. They take time to understand each client's unique goals and circumstances in order to create customized plans. Services include financial planning, investment advice, tax planning, estate planning, business consulting, and insurance. The firm aims to forge long-term partnerships with clients and help them achieve their financial objectives.
The document provides an overview of investing basics for Canadians. It explains that investing is necessary for retirement planning as fewer workers have pensions. It defines savings as money not spent, while investments are a way to use money to make more through returns and gains. Investing involves risk but can achieve different goals like home purchases, education savings, or retirement income. The document outlines common investment types and stresses diversifying and only investing in understood products to reduce risk. It advises seeking guidance from financial advisors if needed.
SI Capital is an independent investment advisory firm established in 2004 that offers traditional stockbroking advice tailored to both experienced and new investors. They provide a focused and individual service where advisors build long-lasting relationships and tailor portfolios to clients' unique objectives. SI Capital prides itself on being trustworthy, transparent, and flexible with a simple onboarding process and focus on protecting clients' assets and estates through various investment vehicles like ISAs and SIPPs. However, they warn that all equity investments carry risks and clients should only invest after careful consideration of whether they can afford it and if it is right for them.
The document discusses various financial concepts related to investing, saving, and wealth management. It defines the differences between saving and investing, with saving focusing on short-term goals and emergencies while investing aims for long-term growth. It also covers risk management strategies like diversification and dollar cost averaging. Additional topics include cash management, tax planning, credit management, home ownership, retirement planning, and considerations for further education. The document provides information to help readers make informed financial decisions.
This document describes the services provided by Integrated Financial Partners (IFP). IFP offers personalized financial planning and advisory services through experienced advisors. They provide access to hundreds of investment options and state-of-the-art technology. IFP advisors have years of experience helping clients achieve financial goals like accumulating wealth, planning for retirement, and managing businesses. They take a holistic approach by coordinating with tax and legal advisors. IFP aims to build long-term relationships with clients through individualized attention and objective advice.
This document describes the services provided by Integrated Financial Partners (IFP). IFP offers personalized financial planning and advisory services through experienced advisors. They provide access to hundreds of investment options and state-of-the-art technology. IFP advisors have years of experience helping clients achieve financial goals like accumulating wealth, planning for retirement, and managing businesses. They take a holistic approach by coordinating with tax and legal advisors. IFP aims to build long-term relationships with clients through individualized attention and objective advice.
This document describes the services provided by Integrated Financial Partners (IFP). IFP offers personalized financial planning and advisory services through experienced advisors. They provide access to hundreds of investment options and state-of-the-art technology. IFP advisors have years of experience helping clients achieve financial goals like accumulating wealth, planning for retirement, and managing businesses. They take a holistic approach by coordinating with tax and legal advisors. IFP aims to build long-term relationships with clients through their individualized attention and objective advice.
This document describes the services provided by Integrated Financial Partners (IFP). IFP offers personalized financial planning and advisory services through experienced advisors. They provide access to hundreds of investment options and state-of-the-art technology. IFP advisors have years of experience helping clients achieve financial goals like accumulating wealth, planning for retirement, and managing businesses. They take a holistic approach by coordinating with tax and legal advisors. IFP aims to build long-term relationships with clients through their individualized attention and objective advice.
This document describes the services provided by Integrated Financial Partners (IFP). IFP offers personalized financial planning and advisory services through experienced advisors. They provide access to hundreds of investment options and state-of-the-art technology. IFP advisors have years of experience helping clients achieve financial goals like accumulating wealth, planning for retirement, and managing businesses. They take a holistic approach by coordinating with tax and legal advisors. IFP aims to build long-term relationships with clients through their individualized attention and objective advice.
This document describes the services provided by Integrated Financial Partners (IFP). IFP offers personalized financial planning and advisory services through experienced advisors. They provide access to hundreds of investment options and state-of-the-art technology. IFP advisors have years of experience helping clients achieve financial goals like accumulating wealth, planning for retirement, and managing businesses. They take a holistic approach by coordinating with tax and legal advisors. IFP aims to build long-term relationships with clients through individualized attention and objective advice.
2. To boost your financial wellbeing
OFFSHORE
SOLUTIONS
There are many financial benefits to being an expat
and a whole host of offshore wealth management
solutions that can help secure your financial wellbeing.
Making money is one of your main reasons for choosing
an expat career, making sure you keep it is our top
priority.
3. We know many expats reap the rewards of higher salaries
and lower costs. Those travelling to unstable or
environmentally challenging countries are often offered
big financial incentives in recognition of the difficulties
they may face. You may be part of a highly profitable
overseas business where your skills and input are
rewarded proportionately.
Remember also that many expat jurisdictions offer
favourable tax regimes, giving you even greater
opportunity to accumulate wealth while you are overseas.
Whatever your circumstances it is essential to make the
most of the wealth creation opportunities open to you,
whether you plan to settle abroad permanently or just
use your time overseas to amass a healthy nest egg.
Through careful planning we can help you build your
family a secure financial future.
Along with the benefits an expat lifestyle, it's fair to say
that there are also plenty of challenges too.
Settling into a new life in a strange country can be hard
work, couple that with a new job and you may feel that
you don’t have time to seek advice on wealth
management. If you've just retired abroad, you may want
to enjoy your new lifestyle, rather than concern yourself
with organising your finances.
While we understand this, taking a small amount of time
to meet with a wealth management advisor for a free,
no obligation consultation could ensure that your finances
are working in the best way to support your future.
It doesn’t take much for you to secure your financial
future, just an informal chat with one of our advisers.
Can you afford not to find out if you are making the most
of your money?
A little bit of planning can make a big difference.
4. INTERNATIONAL
ADVICE FOR
EXPATS
Only the best is good enough.
So, you've decided that you could benefit from
wealth management advice from an expert -
now you need to decide who is best placed to
help you.
Finding the right partner to help you with your
wealth management planning is crucial, you
need trust, confidence and a company who
will actually listen to your requirements.
A local firm in your country of residence may be able to help
with the immediate financial planning opportunities in that
particular country, however you may have plans to move on
again and that is where things get tricky. They may be up
to date on tax laws within their country, but again if you
were to move, then there could well be an issue with cross
jurisdiction tax legislation. At Guardian Wealth Management
we are experts in global financial planning, meaning we are
on hand to help wherever you are in the world.
Working with our international independent advisors, you
can be assured that you will benefit from comprehensive
investment and tax advice. This in turn will allow you access
to a wider range of products and opportunities from more
providers.
5. There's no getting away from it, we all have to pay tax
in some shape or form. However, without the right advice
from an experienced financial advisor, you could be paying
too much tax.
Tax matters can be complicated, but there are several
legal ways in which you can reduce the amount of tax
that you pay. At Guardian Wealth Management we will
help make sure you do not pay any tax that you don’t
have to. We will talk you through the potential benefits
of a number of financial planning strategies such as:
• Investing in tax beneficial jurisdictions - we can help
you to choose the most favourable countries for your
investments. By this we mean we will help ensure that
your tax liability is reduced, therefore allowing you to
keep more of your money.
• Investment choices and flexibility - there are many
different investment options open to you, and our trained
advisors will listen carefully to your financial goals. Once
we understand what you want to achieve we will look at
investment plans to help you realise these goals. We will
look at flexible products that have potential to give you
the best return on your investment
• A little relief - without professional advice, you could
be missing out on vital tax reliefs that could save you
money. Our advisors will assess your circumstances and
help you to take advantage of any tax breaks available to
you.
Making wealth management less taxing.
6. Finding the right investment options for you.
INVESTMENT
OPTIONS
At Guardian Wealth Management we see the safety and security of
your investments as a top priority.
We will only ever recommend investments that you can trust, and
ensure that your money is invested in products that are well managed
and in line with law and legislation.
7. Bank accounts - we can explore the different options available, whether UK-based or
international bank accounts. We may be able to find you a better deal on service levels,
interest and expat-related matters such as fees for international transfers.
Internet trading - Our web-based platform iGuard allows you to access your investments
24/7, all year round, wherever you are in the world. Online trading also allows you to
monitor, review and analyse your investment performance at the touch of a button.
Don't forget to ask for our professional advice if you are unsure about switching
investments.
Portfolio bonds - You can spread your investments across several different areas, while
keeping them in one easy to manage place through a tax-efficient wrapper called a
portfolio bond. Portfolio bonds can provide a regular income or lump sums when
required.
Property - building a good overseas property portfolio can provide a regular stream of
income and can generate long-term capital growth as well. If you want to invest in
property abroad, then it’s essential that you seek professional advice in order to fully
understand the market in the country that you’re looking to invest in.
Inheritance tax planning - this is essential, as not all countries have the same rules.
This should be part of your overall wealth management strategy. If you have offshore
investments or a cross-border estate, inheritance tax planning is vital.
Pensions - our financial advisors at Guardian Wealth Management can give you all of
the latest advice on planning for retirement. We will take into consideration your specific
needs to ensure that your pension offers all of the benefits that you're looking for.
When formulating your wealth management strategy we will take the time to understand
your attitude to risk, the level of input you wish to have in managing your investments
and the specific objectives that you're trying to reach. We will then make various
recommendations, tailor-made to you, which may include any of the following:
8. ... what else should I consider
INVESTMENTS
ASIDE
Securing your financial future with a robust wealth
management strategy is important and, there are a number
of other factors that you must not leave to chance.
9. Writing a will
It’s not the most pleasant task to consider, but it is a fact
of life. If you’re an expat living abroad, there's always the
possibility that you may die overseas. Should this happen
and you don't have a will in place, your family and loved
ones may suffer. Writing a will is an integral part of your
overall inheritance tax planning and needs to be attended
to in order to ensure that your estate is divided as you
wish. Furthermore, we want to make sure the tax man
takes as little from your estate as possible.
If you've already written a will in the UK, don't automatically
assume that this will cover your property and assets
abroad. Rules vary from country to country, so if you've
taken the time to build up a good overseas investment
portfolio, you need to ensure that you protect it for yourself
and your loved ones.
International health and life insurance.
Standards of health care, medicine and treatment can
vary depending on where you're living. It is however vital
that you cover yourself and your family for accident, illness
or injury. Life insurance is essential if you want to make
sure that your family receive the financial support they
will need in the event of anything happening to you.
If you would like further information or advice on any of
these important matters, Guardian Wealth Management
are here and ready to help.
Guardian Wealth Management can also offer the following services
as part of your international wealth management assessment.
11. Whether you’re looking to invest overseas, or simply want to get
your finances in order, Guardian Wealth Management are
committed to offering an exceptional bespoke service that is easy
to access and maintain.
As we offer independent financial advice, we are able to source
products and investment options across a full range of providers,
ensuring that you get the very best wealth management solutions
for your specific requirements.
Making money is one of your main reasons for
choosing an expat career, making sure you keep
it is our top priority.
12. General Enquiries +44 800 779 7028
Switzerland +41 22 710 7864
Dubai +971 4450 9700
Hong Kong +852 3796 3555
Qatar +974 4491 5355
United Kingdom +44 1302 703 2128
Information correct as of October 2014. The information provided is for guidance only and advice should be sought before making any financial decisions.
Guardian Wealth Management Ltd cannot be held responsible for any errors or omissions which result in financial loss.