Plan ahead for a wealthy future.

Finding an affordable solution that meets your personal financial requirements and helps you achieve your goals demands the attention of a seasoned professional. We will help you set up a financial plan that can reduce your current tax liabilities, and secure your future.

You may wish to plan for a child's education, the purchase of a dream home or for retirement income. With access to over 30,000 financial products, we always try to find solutions that meet your changing needs throughout the many stages of life.

Our advanced and secure web technology allows every client to monitor the performance of their investments and view their current financial status on-line.


Expatriates more than anyone else need to examine the value of private medical insurance. Being in a foreign country where the cost and availability of medical cover is bound to vary, expatriates need the peace of mind that private medical insurance can provide.

With access to all the major insurance providers, our advisors can recommend the most suitable plan for your needs and situation. Different insurance schemes are designed for individuals, seniors, families or groups. Standard schemes can be customized, to fulfil your individual requirements, such as dental care, maternity, emergency care, critical care, etc. Annual cover is variable, ranging from £50,000 to £5,000,000.

Generally, as with most  services, you get what you pay for. Brand name alone does not indicate good quality and service. Clients need to understand the exact cover and limitations of their contract. Exclusions should always be read carerfully. This is where guidance and advice of a trained and well-informed adviser is essential.

Family Protection

The cornerstone of your financial planning strategy will be to ensure financial security for your family in the event of unforeseen circumstances.

Illness, job loss or the death of a wage earner can plunge families into financial hardship. Taking a little time to assess your risks and calculate how much money would be needed to cover debts and provide your family with an income for the future could be the most sensible thing you do today.

As a rough guide, ten times the wage earner's annual income is considered sufficient. However, the actual figure will clearly depend on many variables including age, number of dependents, assets and liabilities.

Life Assurance

Life assurance is a policy that will pay out either a lump sum or a series of payments upon death. These payments are usually tax-exempt.

The proceeds from a life assurance policy can be used:

to pay off a debt such as a mortgage

to provide an income for your dependents

to maintain the payment of school fees

Life assurance can be in the form of either a fixed term or a whole life policy. These can be combined with other forms of protection, such as critical illness insurance, which would entitle you to receive a lump sum if a terminal illness is diagnosed.

Life assurance premiums can be paid monthly or annually.

Critical Illness

The benefit payable under critical illness cover is a lump sum payable on the diagnosis of one of several specified diseases listed in the policy. A wide variety of life-threatening and permanently disabling diseases can be covered. Different providers offer cover against different diseases and conditions. There may be a requirement that you survive for a period of 28 days following the date of diagnosis for the policy to pay out, as the policy is intended to cover living expenses.

The proceeds from a critical illness policy could be used to:

Pay off a debt (such as a mortgage)

To provide an income if you are unable to continue working

Critical illness cover can be provided as a stand-alone policy or as an option on whole life, term assurance or endowment policies.

If you decide to purchase one of these combinations you should bear in mind that you will only be able to claim if you contract an illness, as defined in the terms of the policy and you may lose the life cover element unless you have purchased additional life cover.

The World's First Online International Life Insurance Product, brought to you by Global Investors Group & Global Benefits Europe.

Online Life Protector for Expatriates!


Annual Multi Trip insurance

Emergencies and Accidents do happen, particularly when you or your family are travelling abroad on business or pleasure.

As the majority of Expatriates travel a few times a year the most cost effective way to cover you and your family is using an annual world-wide multi-trip Travel Insurance which will cover most problems that you may encounter, whenever and wherever you are abroad.

For an annual premium of as little as $197 per adult and $127 per child, you will have peace of mind and comprehensive cover for any trip you go on over the whole year, up to a maximum of 90 days each trip.

Up to 17 days winter sports cover is automatically included at no extra cost.


Expatriates living overseas are usually obliged to fund their children's education. Free schooling and higher education are not usually available to expatriates who often have to choose between expensive private schools locally or boarding schools at home. The subsequent expenses could substantially reduce your net disposable income.

To be able to cope with ever-increasing school and university fees, committing to a long-term savings scheme is essential. Planning ahead and making sure that the necessary funds are available when required leads to financial freedom for yourself while securing your child's education.

Go to Education Fee calculator

Mortgages & Property

Many expatriates' prime objective is to buy a property, either for investment or as a main residence. Purchasing and funding property in a foreign country can be a complicated process.

Thanks to Global Investors Group's established working relationships with a number of UK and European real estate agents, mortgage providers and property management companies, our advisors can offer assistance in:

Searching for a suitable property

Furnishing, letting and managing the property

Guidance on handling and arranging mortgages in various currencies.

Go to Mortgage calculator

Offshore Banking








Advantages of offshore banks are that you can choose from current accounts with varying degrees of access including instant access or debit/credit/cash card access. You can also generally choose to open an account in your currency of choice meaning you can protect yourself from currency fluctuations.

Offshore banking for expatriates can be simple, straightforward and highly effective but you need to make sure that you gain the best advice as mistake can be costly. Speak to us & we'll guide you through.

Expatriates are privileged when it comes to their banking and investing choices as they are free to choose from the best options and opportunities available to them from the financial product market place. It goes without saying that certain choices may be limited depending on the home country of the expatriate and the nature of that country's tax regime.

However, expatriates usually remain non-resident while they live overseas meaning they are free to take advantage of offshore banking and investing opportunities and the tax efficiency such solutions may offer during that entire period.


Retirement schemes are essential and must be set up during your working years in order to provide adequate income later in life.

Due to the fact that government schemes are often unsatisfactory, an increasing number of individuals and companies are making private, supplementary arrangements.

We can help you plan for your retirement, by assessing your current assets and building a portfolio that will provide a realistic level of income while minimising your tax liability.

Overseas Pension Transfers

Do you have deferred benefits held within UK Occupational Pension Schemes as a result of former employment, or have paid-up individual pension arrangements?

If so, it is important to remember that even if you are residing outside the UK at the time the benefits are payable, they will still be fully liable to UK income tax. Our advisers can help you export your pension, speak to us now.

When can I retire?

Many people envisage a retirement age of 65, as this is in line with previous state retirement pension regulations. However, recent changes in many European countires see that set to rise to 67 and beyond in the coming years. If you would like earlier retirement, additional planning and savings would be required.


One of the most efficient and painless ways of building capital is to systematically save a portion of your income. Regular and disciplined contributions to an investment scheme are probably the best way to develop a substantial portfolio.

Our clients can rest assured that their investments, which are placed in safe jurisdictions such as the Isle of Man and the Channel Islands, enjoy maximum confidentiality and security

We can open savings accounts for you, which will satisfy your overall needs. You might want to save towards a pension by means of a long-term, low level, sustainable investment. On the other hand, a shorter term, flexible investment - possibly running alongside - could allow you to save for more immediate needs such as property purchase or school fees.

The inherent flexibility will prove its worth if your personal circumstances should change in the future.

Choose your calculator: Budget calculator or Savings calculator

Offshore Companies

All of the offshore jurisdictions offer at least one type of company structure often they offer several types of company structures. The different types of company vary from jurisdiction to jurisdiction. Incorporated in the same way but offering different tax benefits and limiting some activities. Companies are most commonly limited by shares or by guarantee some are hybrid companies that are limited by both shares and guarantee. They can either be public or private.

Offshore companies are used predominantly to:

Separate personal debt from business debt, providing limited liability for

the shareholders

Limit Liability

Provide anonymity

Raise capital

The four main characteristics of a offshore company are:

Limited Liability - The company itself has unlimited liability but the shareholders have limited liability - shareholders can lose only the amount which he has paid for his shares. His personal assets are safe in the event of the company becoming insolvent.

Separate Personality - Limited liability is only possible because of the principle of "separate personality". The company is treated by law as being an individual in its own right. It can sue and be sued, it can enter into contracts etc. Therefore a person entering into a contract with a company does just that. He does not have a contract with the shareholders and cannot sue them.

Perpetual existence - A company cannot die, they can exist forever

Transferable ownership - Easy to transfer shares.

Trusts Structures - The use of underlying companies

It is very common for a trust to be established as part of a tax or estate planning strategy. A trust may own all or part of the share capital of a company which in turn owns the assets, originally settled on the trust. It may be desirable to segregate certain types of assets or assets located in a certain country into a company. The place where an asset is situated for tax purposes may change depending whether it is directly owned by a Trust, company or an individual.

Example: In the UK, a property placed into a Cayman company is no longer classed as being situated in the UK and becomes an asset of the company and hence a Cayman situated asset. This may be critical importance for UK inheritance tax.

Offshore Companies formation starts from £599.

QROPS Qualifying Recognised Overseas Pension Schemes

Since 6th April 2006, also known as Pension ‘A’ day, people with UK pensions who are, or will become, non-resident in the UK for tax purposes have been able to move their pension benefits out of their UK scheme to a QROPS. These simplified rules can prove highly advantageous for many reasons and have been fully noted in our benefits section.

The primary focus of a QROPS is to provide expatriates with a retirement option that fits their international lifestyle and reduces their exposure to unnecessary tax charges.

Due to the UK’s high regulation of pensions the QROP scheme must meet stringent criteria set out by HM Revenue and Customs (HMRC) and act, in some ways, as if it were a UK scheme I.e. benefits to be taken at pensionable age of 55 and a pension commencement lump sum (PCLS) can be taken. However, upon reading, the advantages of the arrangement can be very significant for expatriates including: Increased Pension Commencement Lump Sum (PCLS), minimised income tax, mitigated inheritance tax and so on.

In order to be an eligible scheme, the QROPS must be fully approved by HMRC, a list of such schemes can be found here.

For many UK expatriates and foreign nationals a QROPS is the perfect tax efficient and flexible investment retirement vehicle, but to make certain it is suitable for you a full pension review would need to be carried out with your adviser.

Learn more about QROP benefits.

Please contact us  to arrange a free of charge pension analysis.


An equitable obligation, binding a person (called a trustee) to deal with the property over which he has control (the trust property) for the benefit of persons (the beneficiaries) any one of whom may enforce the obligation.

In simple terms, a Trust is a way of arranging property (assets) for the benefit of others without giving them control over it.

Common reasons to set up a trust are:

to provide for the orderly distribution of assets after death

to protect the beneficiaries' best interests

to allow more than one generation to enjoy the use of a property

to reduce income and capital gains tax liabilities

The Parties of a Trust

Settlor: A person who transfers his assets out of his name and into a trust.

Beneficiaries: Named persons who will benefit in some way from the trust asset.

Life Tenant: A person (beneficiary) who will have the right to enjoy the trust asset during his lifetime but will never own the asset or have control over it.

Trustee: A person who is responsible for looking after the assets and legally obliged to ensure all the trust deed requests are complied with. By law the trustee has a similar role as a company director.

Protector: A person appointed by the Settlor to oversee the trustees' decisions. He has no authority over the trust but acts as an advisor to the trustee.

Professional Advisors: Such an advisor may be appointed to provide independent and professional investment and legal advice to the trustee where needed.


Types of Trusts

Life Interests Trusts - This form of trust is designed to protect the family home. Each individual's share of the jointly owned property is preserved for the benefit of their children, while surviving partners may occupy the property for the remainder of their lifetime.

Children's Trust - Should both parents die, this form of trust allows the guardians to maintain and educate the children. The balance of the fund goes to the children at a predetermined age.

Accumulation and Maintenance Trust - This trust is usually set up for children or those incapable of looking after their own affairs. The trustees will be authorized to use the trust funds at their discretion to cover the expenses of education and maintenance for the beneficiary.

Inheritance Tax Mitigation Trust - A number of different trusts can be used to provide the maximum flexibility for the surviving spouse and children who may be liable to inheritance tax.

Protective Trusts - These trusts are protected against action by a trustee on behalf of a beneficiary seeking to use trust funds to pay off debtors in case of bankruptcy.

Fixed Trust - Allows a Settlor to ensure that his property can be enjoyed by more than one generation without the risk of it being squandered by the first generation. Beneficiaries will be named in the trust deed.

Discretionary Trust - This is the most flexible form of trust. It allows the Settlor to place the assets under trust at the discretion of the trustee(s) who will decide who is to benefit and how. A Settlor may wish to do so to protect himself against forced heirship rules. The Settlor will usually draft a letter outlining his wishes to the trustee.

Charitable Trusts - Generally, a trust will be recognized as charitable if its purpose is the relief of poverty, the advancement of education, religion, or any other community benefit.

Trust Structures

Trusts which are established as part of a tax or estate planning strategy may own all or part of the share capital of a company, which in turn owns the assets, originally settled on the trust. Offshore companies in particular offer tax benefits, which can be favourably incorporated within a trust structure.

Offshore companies are often used to separate personal debt from business debt, to provide limited liability for shareholders, to provide anonymity and to raise capital.

Establishing the most appropriate trust requires professional assistance. Our advisor will have access to various trustee companies and other independent taxation experts.



According to the law, every person has the right to dispose of his or her assets as they wish. Unless a person specifies by means of a will how personal assets will be managed upon death, the state will determine how the deceased's assets will be distributed in accordance with a standard set of complex laws. This means, that in the absence of a will, those closest to you may be deprived. Furthermore, the value of your estate becomes subject to unnecessary inheritance tax

Drafting a will is neither costly nor time consuming. The benefits from this minor effort can be significant, as administration costs will be reduced and inheritance tax planning can be put into place.

Did you know?

Without a will your assets may be frozen for anything up to two years while the Government decides who your executors will be. This will cause enormous financial and added emotional stress to those closest to you having to deal with this.

Without a will your children will have no appointed guardian and could be taken into care while a court appoints guardians.

Without a will if you are not married but live with a partner they may have no legal claim to your estate and could get nothing.

Without a will if you have step-children they too may have no legal claim to your estate and could get nothing.

Without a will solicitors and banks will often be appointed as executors or become involved with the distribution of your wealth and assets. Their fees could run into thousands of pounds which would have to be paid from your estate.

Without a will you may not have sufficient protection from inheritance tax. This has to be paid to the Government before your estate is distributed.

Without an up-to-date will people could benefit from your hard-earned assets who you would prefer not to.

Contact us today and put your family’s and your own mind at rest!


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United States, Hong Kong or Singapore. This website is meant for international investors only.