We provide offshore investment and financial planning consultancy to private clients, and to the qualified intermediaries who bring us their own. The work begins with three facts about you rather than with a product: the jurisdiction you report in, the currency your liabilities are denominated in, and the horizon before the money is needed.
Where the work starts
Most portfolios we are asked to review were assembled a piece at a time, in different countries, by different people, for a life the client no longer leads. Before recommending anything we establish what is already held, what it costs to run, what currency it pays in, and whether the structure holding it still fits where the family now lives and where the heirs are.
Only then does selection begin. We are looking for the instrument that suits the reporting position and the horizon, not the one that is easiest to place.
What we look at
- Portfolio construction across multiple currencies and managers
- Risk profiling, including the risk of holding too little as well as too much
- Financial planning: what the money is actually for, and when
- Consolidation of holdings scattered across providers and jurisdictions
- Support for intermediaries advising their own clients
Capital is at risk
Values fall as well as rise, income is not guaranteed, and you may get back less than you invested. Past performance tells you nothing reliable about future returns. Structured notes in particular are complex instruments: the outcome depends on the terms of the note and on the creditworthiness of the issuing bank, and a note can return less than the amount invested even where the underlying index has risen. We go through the terms, the costs and the downside scenarios line by line before anything is committed.
How we are paid
Where a product pays us a commission, we will tell you what it is before you decide. Where we think the honest answer is that you should do nothing, or that the structure costs more to run than it is worth, we will say that instead.
What we will not do
We will not recommend a product before the structure holding it is settled. We will not put a client into an instrument we cannot explain in a sentence. We will not build a portfolio around a tax outcome we are not qualified to certify — that is a question for your own tax adviser, and one we will tell you to ask. We are not a bank and we are not licensed tax counsel.