Bespoke solutions for your financial success

Offshore endowments located in reputable offshore jurisdictions (such as the Isle of Man) allow for tax efficient and seamless investment options. Benefits are ease of tax administration, efficient transfer to beneficiaries via a capital redemption contract, and a wide selection of funds and investments.

Trusts are excellent investment vehicles to protect assets, and they have the ability to hold a wide array of asset classes, including property, shares as well as art or collectibles. They also allow for effective distribution of assets to beneficiaries. An offshore trust that is regulated in a secure jurisdiction allows for effective wealth creation, tax-efficient management and succession planning.

Offshore companies allow business owners in particular to consolidate global earnings in an optimised structure. Benefits include convenient administration, tax optimisation, asset protection and a robust legal framework.

With an offshore pension, you can save for retirement in hard currencies and secure jurisdictions. It offers the flexibility to access pension benefits at retirement age and pass on wealth to beneficiaries. With access to global investment opportunities, our offshore pension structure enhances earnings potential, and provides additional tax and succession planning benefits.

Having an effective estate plan provides instructions on where, when and how your wealth will be passed on to your beneficiaries upon death. It helps to ensures your estate is unwound effectively, timeously and cost effectively. Estate planning is an ongoing process – whether it’s because of changes in your life or that of your loved ones, or the ever-changing estate tax laws, regular reviews are essential.

A will might just be the most important legal document you will ever sign. It protects your most important asset – your family. With a well-written, carefully planned will, your wealth is preserved for your beneficiaries and distributed fairly to those you love. Working with one of our Private Wealth Managers ensures your portfolio is in good hands, and reduces the burden on your family during trying times.

Offshore companies allow business owners in particular to consolidate global earnings in an optimised structure. Benefits include convenient administration, tax optimisation, asset protection and a robust legal framework.

Our structured products include defined capital and income guarantees, together with offshore diversification by virtue of being linked to developed market equity indices. All the elements of the structured note are typically protected in a single capital-protected endowment policy. Your initial investment is guaranteed, carries no currency risk and offers excellent tax treatment.

We offer access to highly experienced discretionary fund managers (DFM) to all of our clients. Appointing a DFM enables them to exercise professional discretion in building and managing a portfolio of investments. Our DFMs monitor the markets on a daily basis and make the necessary strategic and tactical allocation decisions. They operate globally in multiple jurisdictions and are judged on their consistent track record backed by robust administrative and operational structures.

Diversify your portfolio by investing in international property. We identify high-growth property markets in secure, stable and developed jurisdictions around the world, and handle the property purchase and management process on your behalf. We work with established developers with proven track records in the United Kingdom, Germany, Portugal and Mauritius.

With a global footprint and partner network, we provide access to reputable financial jurisdictions around the world. We structure your offshore portfolio for tax efficiency and asset protection.

Your greatest asset is your ability to earn an income. It is important to prepare for the unexpected. When you cannot work anymore, or you need permanent care, permanent disability cover ensures that you can maintain your standard of living and pay for additional costs such as medical expenses or rehabilitation.

Your income enables you to maintain your lifestyle – from everyday expenses that cover the home you live in to providing for your family with food, healthcare and education. Income protection ensures that you can maintain your lifestyle without affecting your future financial plans. Your retirement planning and emergency funds remain untouched. Income protection replaces a portion of your income, and pays out until you can start working again.

As with other forms of risk cover, severe illness cover provides for your wellbeing when you need it most. You will receive a cash lump sum if you are diagnosed with one of the specified medical conditions or injuries listed in the policy. This means you can maintain your independence, as the policy reduces your financial burden.

Paying for a child’s education is one of the most significant investments you can make. It provides a measure of freedom to choose from a wider range of opportunities, and gives the young person a boost early in life. Your Private Wealth Manager will structure an investment that makes best use in the long term, while ensuring that there is some measure of protection against market downturns.

If you belong to a company-sponsored pension fund, a preserver fund is put in place when you change jobs, or when you near retirement age, but you do not want to make use of the funds. Your investment and tax benefits remain intact, and you can transfer your funds back into a retirement vehicle at a later stage.

With a company-sponsored group scheme, your contributions and those of your employer are invested in a tax-efficient manner. At retirement, you can pay out a third of the pension as a lump sum, and the remaining portion is reinvested in a living annuity, allowing you to draw a regular income from your retirement.

When you reach retirement age, a living annuity provides you with a regular income from your retirement funds. Depending on your financial situation, your income can be as little as 2.5% per annum, with a maximum of 17.5% per annum. When you pass away, the remaining funds in your annuity form part of your estate.

A life annuity is an insurance product that guarantees a monthly pension for the rest of your life. The product safeguards you against the risks of living longer than expected, or depleting your funds too quickly because of poor investment returns. When you pass away, no funds are passed on to your estate, and any remaining savings are lost.