Private Clients

Over the medium and longer term, the growth from a balanced portfolio of stocks, mutual funds and bonds has exceeded that achieved by bank deposits. However, maintaining and managing a portfolio can be a huge task; an investor is constantly faced with the twin problems of how to maximize investment returns and how to do so with the minimum of complications, expense and time-consuming paper work.

An Offshore Portfolio Bond provides an answer. It can hold most of your worldwide investments in one place making for ease of administration, cost savings and tax efficiency. Offshore Portfolio Bonds are administered by long established Insurance companies experienced in dealing in the world stock markets. Such companies are based in the tax havens of the Isle of Man, the Islands of Jersey and Guernsey, and Luxembourg.

A trust is a vehicle used in financial planning whereby the legal and equitable title of property is transferred to named Trustees. The person setting up the Trust is called the Settlor or Grantor. The Trust is created in the form of a legal document called a Deed of Trust or Trust Deed.
The Trustees are required to hold the property in accordance with the obligations imposed by the trust deed thereby, legally moving assets outside of your estate.
This can be an extremely effective tool to ensure that benefits are paid in a timely manner, by avoiding probate, and can be used to mitigate Inheritance tax (IHT) for certain individuals.

Issues of IHT and Estate Planning are no longer just concerns for the extremely wealthy. Many people now need to think seriously about the implications of IHT when making their will. The good news is that it is possible to reduce and plan for the IHT your estate may need to pay.
Trusts can be an effective way of reducing your taxable estate to ensure your future generations benefit from your wealth.

Few people in their twenties, thirties or even in their forties give serious attention to their pension savings. Yet for most people, it will represent one of the most important investment decisions they will ever make. Retirement may currently seem remote to you and other financial demands more pressing. Yet undertaking a simple and flexible retirement savings programme, whatever your present age or future plans, is likely to be a wise and highly rewarding decision. What is the alternative?

Increasing longevity, numerous state schemes moving "into trouble", earlier retirement and higher expectations in retirement, are all compounding to heighten the need to plan, more effectively, the financing of those "golden years". Imagine for a moment how you would feel if, after a lifetime of work, you had insufficient funds to enjoy your hard earned retirement?
Take the time to review your options, and ensure that you're prepared when it's your turn to retire. And when you're ready to speak with a professional about saving for retirement, Global Wealth Management have access to a range of retirement vehicles.

In today's environment, it seems that more and more parents are coming to the conclusion that a private education (perhaps overseas,) represents one of the greatest gifts that they can bestow upon their children. However, it is an increasingly costly gift and whichever institution you choose, it may well be one of the largest, single most expensive outlays you will make in your lifetime. For this reason, it is essential that you take advice on the most appropriate method of funding these fees.

To assist our clients in organising and directing their financial planning, we have developed alliances with arguably the very best offshore banks, located in a variety of tax havens. At Global Wealth Management we can arrange a wide array of savings accounts and private banking services for our clients, allowing them the freedom that some domestic banks lack.

In most cases, there is access to full online facilities, cheque book accounts and credit/debit cards.
Mortgages can also be arranged through our banking contacts, at extremely competitive rates.

Whether you are rapidly progressing in your career, or building your business, and are looking to build your wealth, a private bank can offer a range of tailored solutions. Equally, if you have built your wealth and wish to see it grow, an approach to total wealth management, supported by award winning investments will help you achieve your goals.
Your private banker will work with you to truly understand and help meet your financial needs in an integrated way from your perspective. As a client of an established private bank can expect a full range of services:

Banking
A private bank account (Swiss numbered accounts on request), full range of credit and charge cards, including, online banking and borrowing to suit you.

Investments
A comprehensive range of investment services, tailored to private clients.
Tax, trusts and pensions

Clients have access to a team of specialists in tax, trusts and pensions.

Commercial banking
Our private banks also provide a commercial service for those clients who seek personalised business banking solutions.