The expat financial advice market place is incredibly diverse.
There are some truly great advisers practicing internationally. Advisers that I would quite happily recommend to my family.
There are some who are not up-to-standard, perhaps lacking qualifications or experience.
Finally, there are those who, frankly, should be behind bars.
One of the biggest criticisms that I hear levied against international financial advisers is that they focus too much on the end goal of selling a product.
Financial products are, of course, a necessary feature of a wider holistic financial planning strategy. However, at the end of the day, they are just a tool that can be be used to help achieve a desired outcome .
Good quality expat financial advice is about much more than simply selling products.
If you are reading this, you have probably already come across such products. It may be an international investment bond, monthly savings plan, QROPS or SIPP.
It is likely to be with an international financial services organisation such as Quilter (Old Mutual) International, Utmost (Generali) Worldwide, Friends Provident International, RL360 or Momentum Pensions.
Hopefully, it is meeting your expectations.
However, you may have doubts.
Perhaps you do not hear from your adviser as much as you would wish.
It may be that the returns are not as you had expected.
Or, perhaps some things just don’t add up.
We help expat investors get their portfolios back on track by adhering to the following core principles:
- Flexibility is key – As expats, we often do not know what the future holds.
- Portfolio allocation is based on evidence and academic research, not a good story
- Low cost – Costs are one of the few factors that we can control
- Well diversified
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