Advisors Worldwide

Case Study 1 – ProtectionPatrick and Cynthia (35 & 32) and were residing in Thailand for about three years. They had recently had their first child and wanted to make sure that they were taking the right steps for his future. Patrick had set up his own company 12 months ago, which meant that they had a limited budget.

After speaking to one of our advisors, Patrick and Cynthia were able establish what provisions needed to be made and prioritize these around their disposable income. Having done this they implemented the first step of their financial program which was to establish international life insurance policies for each of them ensuring that their son would be provided for if anything happened to either of them.

Case Study 2 – The Experienced InvestorJason (44) is a British national living in Asia and an experienced investor with over £2 million invested in various schemes. After investing for a number of years Jason wanted access to a wider range of funds to diversify his portfolio.

After speaking with Advisers Worldwide Jason was able to consolidate his existing investments into the one entity, making it a lot easier to manage and monitor. It also allowed Jason access to some of the worlds top fund managers with much lower trading costs than if he had invested directly. Not only does Jason receive a quarterly review as part of the dedicated ongoing service provided by his advisor, but can also access his portfolio online 24/7.

Case Study 3 – Retiring OverseasDenis and Kirsty (both 62) recently retired abroad after selling their property back in the UK. They wanted to move the proceeds offshore to supplement their current retirement income of £17k per year and put some money towards their grandchildren's education fees.

After speaking to one of our advisors they now have a tailor made holding vehicle that allows them to access more favourable income generating assets than they had been using, the growth of which was exempt from the EU Savings Tax Directive. Their new savings vehicle gave them a much higher level of flexibility, allowing them to draw down on their savings whenever needed.

Case Study 4 – Offshore WrappersFrancis (48) is from the UK but currently residing in Europe. She has £200k in offshore deposits, £40k in various stocks, bonds and shares and another n another £40k in an ISA. Advisers Worldwide arranged the consolidation of her investments and placed them into an offshore wrapper, making her savings more manageable and reducing the stress of dealing with multiple administration centres.

By placing her savings into an offshore wrapper Francis also avoided having to pay a rate of 20% withholding tax by no longer being eligible for the EU Savings Tax Directive. By arranging her finances in such a way Francis now has a more diverse portfolio spread across various investment classes and offshore funds, thus minimizing her exposure to risk. Also, the profit made on the sale and purchases of her funds in the wrapper are not subject to capital gains tax.

Case Study 5 – Repatriating to the UKAfter spending the past 20 years working on projects across Africa and the Middle East, Damon (56) is looking to repatriate to the UK with his savings of £1.1m. After speaking with Advisers Worldwide Damon now has his savings in an offshore structure that gives him an annual tax free income £60k a year.

Case Study 6 – Releasing Your Pension SavingsFrank (54) is a UK national living in Malaysia with a frozen pension worth around £500,000 that he cannot access until he reaches 65. With no intention of returning to the UK, Frank wishes to move to Europe within the next 5 years and wants to make use of his retirement savings at an age in which he can enjoy it.

Advisers Worldwide helped Frank to find a flexible QROPS scheme that allowed him to transfer his scheme outside of the UK, while still staying compliant with HMRC, and reinvest the money in capital guaranteed assets which also benefit from not being subjected to UK tax deductions.

Case Study 7 – Pension SavingsMichael (40) holds a senior management position in a leading pharmaceutical company in Asia. Having moved country and company a few times over the years his pension savings were not centralised or cost effective, holding several 'frozen' pensions from previous employers.

After dealing with Advisers Worldwide he structured his pensions savings into a flexible monthly vehicle that allowed his company to contribute directly on his behalf. They also established that additional contributions needed to be paid by Michael if he was to reach his retirement income objectives. Now his retirement savings can be easily moved and kept up to date regardless of his next position or company.

Case Study 8 – Education Fee PlanningMr & Mrs Voight are from America and currently reside in Malaysia. Having two young daughters they wanted to make the most of their offshore posting by saving for their children's education at a Western university in the years to come.

Advisers Worldwide quantified the future cost for their children's tertiary education and arranged a cost effective and flexible savings plan that allowed them to contribute more to their children's education fund when times were good, reduce when not, and even take a payment holiday to pay for a second honeymoon.

Case Study 9 – Retired OverseasJames (60) is a UK national and retied in Malaysia 2 years ago. James was satisfied with the interest returns he had been receiving from his the bank he had used for the past two decades. James was concerned that the recent recession could diminish the 350k he had saved over the years, so following independent advice he received from Advisers Worldwide, he rearranged his finances to accommodate offshore banking accounts and investment structures to expose himself to a lower level of risk and also enjoy a higher rate of returns on his savings now placed in the Isle of Man.