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We at CSM are a refreshing and unashamed modern financial planning firm firmly focused on helping clients achieve their desired financial outcomes digitally.
Financial planning is both our business and our passion.
In our professional pursuit of meeting client objectives we deliver service that is second to none - take a look at our client testimonials and the industry awards we have collected - they speak for themselves.
Unlike most advisor firms we have never subscribed to the concept of running high cost offices.
Offices are all too often inefficient and wasteful of resources. In running our business from home locations we greatly reduce our operating costs which benefits clients as we do not operate under financial stress.
As many competitor firms have discovered running under such financial stress can lead to a firms collapse or worse the sale of inappropriate products and services to its clients.
For us living in the digital age we strongly believe in leveraging efficient digital resources that modern technologies provide. Our operation is therefore far more cost effective ensuring that our advisory proposition continues for decades to come.
Using digital mediums such as email - messaging and video meetings we are able to bring the human side to a digital service that offers:
In order to provide meaningful and coherent financial plans it is essential that we have a clear and concise understanding of a clients circumstances and financial objectives.
To facilitate this we have designed our "Client Review" document (available in a wide range of file formats) to be easily completed and straightforward to gather all of your important and relevant data.
After the completion of the review document we analyse the information you provide.
Based upon your input, we design a personalised 'financial roadmap' - this may be specific to key areas of your choosing (insurances - pensions - investments) or may be a holistic plan that takes account of all of your financial planning objectives.
If there are pitfalls or opportunities that exist in your current circumstances which you are unaware of we will highlight these for you.
A financial planning relationship is no different to any other professional relationship - it requires two-way communications.
Together therefore, and on a regular basis, we review the progress of your various plans and discuss any amendments or adjustments that may be necessary taking into account any changed personal circumstances, market events, taxation and risk tolerance issues.
Throughout the entire process, and continually whilst your objectives are being sought, we remain at hand to support and guide you.
Clients are offered a choice of either fee or commission based models - further details will be provided upon request or during the initial advice process.
It is important that clients deal with qualified and time served advisors to ensure they receive the best possible advise and outcomes.
As both the founder and principle advisor, Paul works very closely with clients to focus on the financial consequences of ‘not living long enough’, 'living life impaired' and ‘living too long’
In addition to his 30+ years experience Paul has always adhered to the principles, ethics and regulations of both the Chartered Insurance Institute (CII) and the Personal Finance Society (PFS)
Such credentials are rarely found in the offshore financial planning market space.
Over the years Paul has received numerous testimonials from globally based satisfied clients.
We recommend you head over to our testimonials page to read first hand the comments and praise shared on the Linkedin platform.
Doug Brown provides tax and CPA services to our US national clients.
Doug has been a Certified Public Accountant for 25 years and is an expert in the field of US expatriate tax.
Doug happily looks after expat clients that require the filing of tax returns in addition to providing representation when dealing with the IRS.
As Doug explains “When the IRS is seeking monies that may not actually be due we sort through the facts and work directly with the IRS on the clients behalf to resolve the tax issues.
If clients have received a tax notice or been under audit by the IRS, we can also provide help to resolve those issues.
If tax returns have not been filed for single or multiple years, once again we can help file those for clients”
If Dougs’ services could be of benefit to you please use the button provided