“I first had financial advice in 1994 at a pre-retirement course and have been delighted with the continuing service ever since."
Since September 2012, I have been assigned a new financial advisor at GWM. I have always found him to be very friendly, service-minded, and very importantly, providing quick responses to my questions.
One of the main attractions of investing overseas is the tax advantages that are often available. Your investment returns may be completely taxfree, or if they are liable for tax, chances are it will be at a far lower rate than you would pay at home.
A significant benefit of investing offshore is that there is far greater choice. There are significant numbers of products that are difficult to access in many expats’ home countries and consequently it’s important to have professional advice to guide you in this process. Your Guardian representative is an international financial adviser and we are regulated in every jurisdiction we operate in. To provide you with the right solution our experts seek to understand your goals, assess your attitude to risk, consider the relevant jurisdictions’ regulations and talk to you about your timeframe for investing. We do the work to make sure you achieve your desired outcome from your offshore investment.
GWM understands that the security of your investment is paramount and to this end it is vitally important to invest in well-regulated and politically stable jurisdictions. For this reason, we believe that typically it is best to place your money in UK crown dependencies such as The Channel Islands, and the Isle of Man. Our experience as a UK head-quartered company means we are familiar with their rules and regulations, and they offer the best protection, up to 90% of your investment, uncapped. In some cases, when it is not possible to use these areas we may use other European jurisdictions in which we have performed a rigorous due-diligence. Protecting your wealth is our responsibility and it is of paramount importance.
No. You are entitled to plan with your money to position you best for taxation, this is not tax evasion. Using overseas investment products in order to reduce your tax liability is completely legal. The savings that smart wealth management strategies can deliver can add up to tens or even hundreds of thousands of pounds, dollars or euros over your lifetime.
By adhering to the following guidelines, you'll have a much better chance of ensuring that your money is safe:
When it comes to a good wealth management company, size really can matter. Look at how many clients they've worked with, any testimonials that they can provide from customers past and present, and the number of transactions that they have carried out for their clients. Always make sure that your advisor is properly regulated – for example the FCA in the UK or the FSMA in Belgium, or any other relevant bodies in the jurisdiction from which they operate.
There's no definitive answer to this one; finding the right jurisdiction depends on your personal objectives. Some locations offer better tax benefits, while others will give you greater flexibility or a higher rate of investor protection. Our financial advisors at Guardian Wealth Management can show you the different options available and explain the specific benefits related to each jurisdiction.