1. INTERNATIONAL
WEALTH MANAGEMENT

2. To boost your financial wellbeing
OFFSHORE
SOLUTIONS
There are many financial benefits to being an expat
and a whole host of offshore wealth management
solutions that can help secure your financial wellbeing.
Making money is one of your main reasons for choosing
an expat career, making sure you keep it is our top
priority.

3. We know many expats reap the rewards of higher salaries
and lower costs. Those travelling to unstable or
environmentally challenging countries are often offered
big financial incentives in recognition of the difficulties
they may face. You may be part of a highly profitable
overseas business where your skills and input are
rewarded proportionately.
Remember also that many expat jurisdictions offer
favourable tax regimes, giving you even greater
opportunity to accumulate wealth while you are overseas.
Whatever your circumstances it is essential to make the
most of the wealth creation opportunities open to you,
whether you plan to settle abroad permanently or just
use your time overseas to amass a healthy nest egg.
Through careful planning we can help you build your
family a secure financial future.
Along with the benefits an expat lifestyle, it's fair to say
that there are also plenty of challenges too.
Settling into a new life in a strange country can be hard
work, couple that with a new job and you may feel that
you don’t have time to seek advice on wealth
management. If you've just retired abroad, you may want
to enjoy your new lifestyle, rather than concern yourself
with organising your finances.
While we understand this, taking a small amount of time
to meet with a wealth management advisor for a free,
no obligation consultation could ensure that your finances
are working in the best way to support your future.
It doesn’t take much for you to secure your financial
future, just an informal chat with one of our advisers.
Can you afford not to find out if you are making the most
of your money?
A little bit of planning can make a big difference.

4. INTERNATIONAL
ADVICE FOR
EXPATS
Only the best is good enough.
So, you've decided that you could benefit from
wealth management advice from an expert -
now you need to decide who is best placed to
help you.
Finding the right partner to help you with your
wealth management planning is crucial, you
need trust, confidence and a company who
will actually listen to your requirements.
A local firm in your country of residence may be able to help
with the immediate financial planning opportunities in that
particular country, however you may have plans to move on
again and that is where things get tricky. They may be up
to date on tax laws within their country, but again if you
were to move, then there could well be an issue with cross
jurisdiction tax legislation. At Guardian Wealth Management
we are experts in global financial planning, meaning we are
on hand to help wherever you are in the world.
Working with our international independent advisors, you
can be assured that you will benefit from comprehensive
investment and tax advice. This in turn will allow you access
to a wider range of products and opportunities from more
providers.

5. There's no getting away from it, we all have to pay tax
in some shape or form. However, without the right advice
from an experienced financial advisor, you could be paying
too much tax.
Tax matters can be complicated, but there are several
legal ways in which you can reduce the amount of tax
that you pay. At Guardian Wealth Management we will
help make sure you do not pay any tax that you don’t
have to. We will talk you through the potential benefits
of a number of financial planning strategies such as:
• Investing in tax beneficial jurisdictions - we can help
you to choose the most favourable countries for your
investments. By this we mean we will help ensure that
your tax liability is reduced, therefore allowing you to
keep more of your money.
• Investment choices and flexibility - there are many
different investment options open to you, and our trained
advisors will listen carefully to your financial goals. Once
we understand what you want to achieve we will look at
investment plans to help you realise these goals. We will
look at flexible products that have potential to give you
the best return on your investment
• A little relief - without professional advice, you could
be missing out on vital tax reliefs that could save you
money. Our advisors will assess your circumstances and
help you to take advantage of any tax breaks available to
you.
Making wealth management less taxing.

6. Finding the right investment options for you.
INVESTMENT
OPTIONS
At Guardian Wealth Management we see the safety and security of
your investments as a top priority.
We will only ever recommend investments that you can trust, and
ensure that your money is invested in products that are well managed
and in line with law and legislation.

7. Bank accounts - we can explore the different options available, whether UK-based or
international bank accounts. We may be able to find you a better deal on service levels,
interest and expat-related matters such as fees for international transfers.
Internet trading - Our web-based platform iGuard allows you to access your investments
24/7, all year round, wherever you are in the world. Online trading also allows you to
monitor, review and analyse your investment performance at the touch of a button.
Don't forget to ask for our professional advice if you are unsure about switching
investments.
Portfolio bonds - You can spread your investments across several different areas, while
keeping them in one easy to manage place through a tax-efficient wrapper called a
portfolio bond. Portfolio bonds can provide a regular income or lump sums when
required.
Property - building a good overseas property portfolio can provide a regular stream of
income and can generate long-term capital growth as well. If you want to invest in
property abroad, then it’s essential that you seek professional advice in order to fully
understand the market in the country that you’re looking to invest in.
Inheritance tax planning - this is essential, as not all countries have the same rules.
This should be part of your overall wealth management strategy. If you have offshore
investments or a cross-border estate, inheritance tax planning is vital.
Pensions - our financial advisors at Guardian Wealth Management can give you all of
the latest advice on planning for retirement. We will take into consideration your specific
needs to ensure that your pension offers all of the benefits that you're looking for.
When formulating your wealth management strategy we will take the time to understand
your attitude to risk, the level of input you wish to have in managing your investments
and the specific objectives that you're trying to reach. We will then make various
recommendations, tailor-made to you, which may include any of the following:

8. ... what else should I consider
INVESTMENTS
ASIDE
Securing your financial future with a robust wealth
management strategy is important and, there are a number
of other factors that you must not leave to chance.

9. Writing a will
It’s not the most pleasant task to consider, but it is a fact
of life. If you’re an expat living abroad, there's always the
possibility that you may die overseas. Should this happen
and you don't have a will in place, your family and loved
ones may suffer. Writing a will is an integral part of your
overall inheritance tax planning and needs to be attended
to in order to ensure that your estate is divided as you
wish. Furthermore, we want to make sure the tax man
takes as little from your estate as possible.
If you've already written a will in the UK, don't automatically
assume that this will cover your property and assets
abroad. Rules vary from country to country, so if you've
taken the time to build up a good overseas investment
portfolio, you need to ensure that you protect it for yourself
and your loved ones.
International health and life insurance.
Standards of health care, medicine and treatment can
vary depending on where you're living. It is however vital
that you cover yourself and your family for accident, illness
or injury. Life insurance is essential if you want to make
sure that your family receive the financial support they
will need in the event of anything happening to you.
If you would like further information or advice on any of
these important matters, Guardian Wealth Management
are here and ready to help.
Guardian Wealth Management can also offer the following services
as part of your international wealth management assessment.

10. A STRONG
PROFESSIONAL
PRESENCE
For international investment advice
you can trust.
accross the globe

11. Whether you’re looking to invest overseas, or simply want to get
your finances in order, Guardian Wealth Management are
committed to offering an exceptional bespoke service that is easy
to access and maintain.
As we offer independent financial advice, we are able to source
products and investment options across a full range of providers,
ensuring that you get the very best wealth management solutions
for your specific requirements.
Making money is one of your main reasons for
choosing an expat career, making sure you keep
it is our top priority.

12. General Enquiries +44 800 779 7028
Switzerland +41 22 710 7864
Dubai +971 4450 9700
Hong Kong +852 3796 3555
Qatar +974 4491 5355
United Kingdom +44 1302 703 2128
Information correct as of October 2014. The information provided is for guidance only and advice should be sought before making any financial decisions.
Guardian Wealth Management Ltd cannot be held responsible for any errors or omissions which result in financial loss.