When it comes to building a complete and effective portfolio, there is plenty to think about and to plan for. Many of the steps you take will be based on your long- and short-term goals. This will differ from one person to the next. However,...
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Let’s bring flexibility to retirement You think retirement, and the first picture that pops to mind is a life of idle in a sunlit location. Or possibly a little place in the Cotswolds. Whatever it is, people often assume that retirement means just kicking back and...
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Regardless of where you are going, as an expat or a local it is critical to consider the “what ifs.” Most people do not think twice about planning for tomorrow, but it can be one of the most important decisions you make for your financial...
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Expatriates & their Taxes Have you moved overseas? Chances are, if you’re reading this, you may be fortunate to be an expat in a low-tax jurisdiction. Congratulations, because taking income tax out of the equation frees up income for you to build a secure financial future. But...
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I was recently interviewed to put the case forward that expatriates need to embrace the idea of financial planning more than their counterparts in their country of origin. I commented that although living abroad usually positively impacts people’s lifestyles, sometimes there’s extra layers of complexities, making...
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One of the main costs all parents should bear is educational costs. For many families, saving money for a child’s education is a must. Providing that child with the opportunity to learn and grow is just part of taking care of your family. Yet, knowing...
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The financial responsibilities of any parent can be myriad, but at the end of the day they boil down to one set of clear functions: protect, raise, educate and help one’s child grow to a healthy, functioning adult who can contribute to the world. This one sentence generally...
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The majority of people plan to retire at 65 and enjoy a financially-stable, rewarding lifestyle during their ‘golden’ years. But with so many pension plans available, choosing the right one according to your personal circumstances can be somewhat daunting. It was a heart-breaking story for Rita...
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For far too long, the true cost of education has been something of an ‘elephant in the room’ in financial planning. It’s a subject that too few clients want to discuss with their financial adviser, but with new figures revealing that the cost of a university...
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Further to my recent blogs pursuing your dream of owning a home, or whatever else will make you happy, should always be a driving force in your life. We all wish for good health, but not all of us take the necessary steps to help make...
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A study has been made on millionaires for 5 years and we have realised being 'rich' comes down to only two things. On the Rich Habits Study, 233 wealthy individuals were interviewed (177 of whom were self-made millionaires) with at least $160,000 in annual gross income...
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Expatriate Life in Dubai What are expats in the UAE most concerned about when it comes to their finances? We really wanted to know. You see, at swissglobal, our motto is to create personal success stories with you at the very heart of them. To do our job,...
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Since they were introduced in 2006, the popularity of QROPS (Qualifying Recognised Overseas Pension Schemes), an HMRC-recognised overseas pension, continues, alongside SIPPs, to grow amongst expatriates and individuals considering a move overseas. The ‘Pension Flexibility 2015’ changes to UK pensions, have also had a limited but...
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As previously mentioned in my recent blog "Spenders vs. Savers: How they can meet in the middle", I mentioned a meeting with renowned psychologist and best-selling author, Dr Peter Collett. The meeting was absolutely fascinating! We discussed an important subject for anyone involved in financial services:...
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Guardian Wealth Management, a multi-national financial planning firm, has launched the dedicated GWM Corporate Solutions division due to ever-increasing demand for corporate planning in the UAE. The corporate specialists will provide services to business owners under organizational development, financial management and investment planning. They will help...
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Inhertiance Tax (IHT) is widely regarded as the cruellest of all taxes. This is because it is a form of double taxation and because it impedes individuals having the opportunity of passing on their full estate to their loved ones, such as children and grandchildren. Unfortunately,...
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When Bank of England governor Mark Carney announced in August this year that interest rates were to remain at historic lows, some championed his implementation of so-called ‘forward guidance.’ But there were others, of course, who would inevitably lose out from it – and once again...
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I’m excited to report that deVere has secured the acquisition of Broadgate Advisory in Thailand, giving us greater reach and a more in-depth resource in the lucrative Southeast Asia financial advisory sector. Broadgate Investment Advisory Securities, to give it its full name, is the only expatriate...
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International Adviser is well known and respected as one of the mouthpieces of the industry, so it is not at all surprising that its annual awards are regarded as a reliable indicator of who is outperforming the rest. The International Adviser team takes great care when...
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This week has seen the introduction of ground-breaking technology that helps deVere Spain’s clients to find the best available insurance cover. The state-of-the-art software, which was developed by top insurance and IT experts, will explore hundreds of types of insurance, including life, motor, home, contents and...
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I’m delighted to announce that the deVere Group has recently rolled out its highly anticipated, pioneering paraplanning technology, ‘The Automated Reasons Why Letter Programme’. This revolutionary, high-performance software, which teams from our UK technical, IT, compliance, legal and customer service departments worked hard to develop over...
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For Jack Kerswell, the financial services industry is not so much a career as a way of life – exemplified in his rise from UK local bank branch manager to a significant leadership role within the deVere Group. His career started as a financial consultant for...
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Following the recent landmark deVere Group-Goldman Sachs Asset Management convention held in New York, I interviewed Aizen Kusumi, an Associate at GSAM to gain a greater understanding about the special relationship our influential global organisations enjoy from the GSAM perspective. See the transcript of our...
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I’m pleased to announce the launch of Sales Mastery 360º, a new, weekly, live, web-based training hour in which I will share with deVere’s European advisers many of the lessons and experiences acquired throughout my 16 years’ in both onshore and internationally based financial services. Throughout...
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In today’s fast-changing and increasingly globalised and competitive world, it is harder than ever for graduates to make the right decision when it comes to selecting a graduate scheme. This important life choice could – and possibly should - have a profound effect on the rest...
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