Do you need a second opinion?
Are you worried about your wealth? It doesn’t have to stay this way!
If something isn’t working with your investments or retirement plan, an expert second opinion can help you get clarity.
Designed for expats with investible assets of over £150,000, we’ll talk through your current arrangements, goals and objectives, in a preliminary consultation free of charge.
You’ll then get a diagnosis of the issues you face today, and how to solve them.
01
understanding you
Alignment
It’s common for expats to collect investments and accounts spread across different countries.
Your wealth should be structured to support your lifestyle, now and in the future.
And to evaluate your portfolio, we need to understand the future you see, and the goals you want to achieve.
02
finding the problem
Diagnosis
We’ll investigate if your existing arrangements are in the best place to support your future life. In plain English, we’ll explain:
- The charges & fees you’re paying to invest.
- The expected performance of your investment strategy.
- Potential tax considerations.
- And look for gaps you need to be aware of.
03
Planning for the future
Solutions
You’ll receive a detailed recommendation to address any issues with your current set up, and align your wealth to support your future.
This may simply require re-assessing the investments in your existing policies, or switching to more suitable arrangements.
What is a second opinion?
I’ll review your existing financial assets, to make sure they’re structured to support your lifestyle and combat inflation, in the most effective way possible.
First we’ll discuss your ongoing and future financial needs, and your current arrangements.
Next we’ll analyse your situation and educate you on what you currently have in investments, insurance, pensions, and estate planning, and provide and outline recommendation for the gaps you need to fill.
Can you provide a second opinion on any investment arrangements?
I can help you analyse an form of UK pension or QROPS, International Pension Plans, or regular savings and lump sum investments.
The most common products I’m approached about are insurance based products, from Utmost International, Zurich International, Hansard International, RL360, Ardan and Friends Provident International.
How do I know if I might need a second opinion?
Something that work well for your in past, might not be the right solution for you today. It’s important to make sure that as your life changes, your financial arrangements still align with your goals.
Like all industries, the financial services landscape has evolved dramatically over the last decade.
If you have an investment or pension product taken out before 2019, there’s a high chance you’re paying more than you should, or following an outdated investment strategy.
How long does it normally take?
This depends on how much information you are able to provide, and how long it takes to ask your existing investment provider for any other details I need to provide your second opinion analysis.
Once I have the required information, you’ll get the clarity you’re searching for within a few days.
Will a second opinion help me understand if I have enough to retire?
Yes.
The process involves forecasting potential outcomes for your existing financial arrangements, to check if they’ll continue to support your lifestyle.
We’ll then look at how your situation can be optimised, to improve your choice for the future.
Will a second opinion help me understand what I’m paying and where I could save cost?
Yes, a second opinion will not only help you identify how to reduce costs, but also improve the certainty of long-term performance, and ensure your arrangements are aligned with your future.
Will you help me implement your recommendations?
Absolutely, once we’ve identified the problems, we’ll recommend a solution, help you implement it, and provide an ongoing service to ensure things stay on track.
Can you help me manage my existing investments, without surrendering them?
Yes. I work with a wide range of investment providers, and if your existing arrangements are already cost-effective and provide access to the right investment solutions, or if there are tax consequences or surrender penalties, I can often take over management of your existing policies and accounts.
If I believe you’ll be better off using a different provider, I’ll make sure you know.