Financial Planning


Expat Savings PlansDesigned for Growth

Our expatriate savings plans provide:

Total transparency without opaque charges

Inherent total flexibility - increase, decrease, stop & start as you see fit without cost or penalty

Non-contractual meaning you are not locked into a contract with high charges

Your funds are accessible at any time & penalty free

3 risk graded model portfolios to choose from

ESG model portfolio options available

Invest from as little as USD500 per month

Why are these plans unique?

• Contractual savings plans (still) offered by the large life assurance companies often trap clients into high charging 'term' contracts as James outlines in the explanation video below.

We believe that savings regimes should allow clients to dictate the timing and scheduling of their personal savings without penalties - this type of structure is far more suited to todays fast changing working landscapes.

• Life company glossy brochures will discuss ‘premium holidays’, ’stop/start’ and many other ‘flexibility features’. However rarely explained are the costs to implement such ‘features’. Sadly clients need to dig deep into product terms and conditions to understand complex wording to understand these charges.

• Our plan options are easily understood, fully transparent and strip away tiers of unnecessary charges.

ESG savings compliant portfolios are also available.


Cost effective saving solutions.

As you would expect of a transparent and cost effective expat savings plan solution you are able to quickly identify what is being charged and the amounts.

Our solutions are ideally suited for use with education funding.

If you are seriously considering implementing a savings regime that provides access to FCA regulated investment managers and funds in cost effective structures, you owe it to yourself to get in contact with us.

We will advise and guide you on the options available to meet your specific requirements and your savings budget.

Contact us now to discover how non-contractual cost effective savings can benefit you far more where it matters most - your financial outcomes.


⚠️The "Elephant In The Room"

Prior to opting for a savings regime that is suitable for your circumstances, it is very important to cover the subject that has plagued the offshore financial planning industry the past two decades and which has been responsible and very costly for many expat savers: namely the 'traditional long term contractual savings and 'pension' contracts' as offered by the larger life assurance companies.

These contracts have been (and in some quarters are still) heavily marketed and specifically targeted at the global expat market in pursuit of high commissions and high profits for their advisers and the insurance companies behind them. In all but a few exceptional cases these 'savings' and 'pension' contracts are heavily weighed down by excessively high charges built into the very complex terms and conditions of the contracts that very few understand until it becomes too late.

These contracts, at best, offer extremely poor value and we believe should be avoided.

Advisers that have the experience and technical ability to fully research and comprehend these contracts arrive at the same conclusions as ourselves.

James from Tailor Made Pensions, a UK IFA firms, eloquently explains in his video why they and ourselves avoid recommending the life assurance company 'savings' and 'pension' contracts to expatriate clients.

Listen carefully as James highlights the all important issues that all savers should be cognisant of.


The Costly Pitfalls Of Contractual Savings Plans