What We Do
We provide a comprehensive range of services to help expats achieve their lifestyle goals and manage their wealth
Lifestyle Financial Planning
It all starts with listening. In order to ignite YOUR passion for personal finance, we first need to find your 'why'. Tell us what you hope to achieve out of life. Tell us what your hopes and dreams are for yourself and your family. We'll look at what your current financial situation is and then build you a plan which will help you reach your long-term goals.
Life never works out like a linear plan, so we will be your ongoing trusted advisor to continually adapt your plan as life throws up unforeseen changes.
Another key element of the financial plan is to make sure you are adequately protected to still succeed even in the event of premature death, disability or medical crisis. We do that by doing thorough review of your current insurance policies and world-wide estate planning to ensure that your assets are given to your intended beneficiaries in an efficient manner. is where your text starts.
Your financial plan will indicate the amount of risk that you need to take, if any, to fund your desired lifestyle. We will also help you understand your ability and willingness to take risk - both of us need to sleep well at night!
We use an evidence-based approach to craft appropriate investment solutions to meet you goals. This might result in multiple portfolio's to match different needs and time horizons - such as a house deposit in 5 years, your child's education in 10 years, or retirement in 20 years.
The recommended implementation will also take into account any tax planning that is required.
Not Your Typical Expat Financial Advisor
WE BELIEVE OUR APPROACH IS REFRESHINGLY UNIQUE:
1. We focus on advice not selling product: most expat financial advisory firms provide no true financial planning. We separate advice from products.
2. Our fees are transparent: we charge a fixed performance fee and receive no commissions. We strongly believe it is difficult for an advisor not to be conflicted in their product advice if they receive commissions.
3. Our investment approach is academically: we work together with economists combined with low-cost funds. Most other firms use expensive actively managed funds that generally generate inferior returns.
For too long expats have been targeted by financial sales people selling products that have high fees, unnecessary structures and expensive funds that under-perform for you in the long term.
We don't take commissions, we don't sell products. We are different.
We take our clients through a systematic approach:
1. Discovery Interview: We first assess your financial position by getting to know you, your goals and your current financial position.
2. Gather Data: Next, we make sure we have a complete picture of your financial world and may ask for additional investment statements, insurance policies, tax and legal documents. We are always looking to identify gaps and redundancies in our clients' finances, and with our holistic approach, we often find opportunities to do more with less.
3. Analyse and Develop Plan: We bring your unique data to our team and analyse how different recommendations and strategies apply to your financial picture. By pulling from various internal and external resources, we leverage our extensive experience and expertise to provide you with the best outcome.
4. Plan Presentation and Delivery: After developing a comprehensive plan, we educate you on the "why" behind the "what" before presenting our recommendations. We want you to understand your finances in your terms.
5. Plan Implementation: We help you take action and implement our recommendations. Our platform allows us the freedom to offer our clients a wide range of investments and protection strategies from a plethora of industry leading companies. Being fully licensed makes it possible to act in a fiduciary capacity throughout our planning and investment advisory relationships.
6. Monitor and Update: Finally, we don't disappear. We have a robust service model that means we periodically sit down and reevaluate your goals and finances and we continue to monitor and adjust your finances as you progress through life. As the world evolves around all of us, our goal is to continue to earn your trust and your business for decades and generations to come.