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Financial Advisors services, Offshore Fund - Know More

Dear members &

guests

Due to the continuous marketing approach of our expatriate community by multiple financial planners

services company, Allo' Expat has decided to provided you with some usefull imformation on the Expat Offshore Banking issue.

Hope you'll invest wisely..... in the future

Financial Advisors - who are

they?

Q1 - How do I get the best offshore financial

advice?

The best offshore financial advice is probably given by Independent Financial Advisors.

Independent financial advisors (or IFA's, as they are sometimes called) advise their clients on savings, investments and

pensions. They may also provide Savings Plans for offshore investing to their clients.

When counselling a client, the

best offshore financial advisors should complete the following steps:

* Step 1 - collect detailed information

about a client's financial circumstances and requirements ? be they for retirement planning, retirement income, expat

investment, or another purpose.

* Step 2 - check all the offshore tax havens for the best offshore plans.

* Step 3 - provide impartial advice as to which plan(s) best meet their client's needs (in the form of a written

report).

* Step 4 - arrange for a client to buy the chosen offshore plan(s) on the best terms

available.

You may want to complete your own research to ensure you know the right questions to ask your

advisor.

When all these stages are completed, you can be confident you have received the best offshore financial

advice.

Q2 - What is a Certified Financial Advisor?

Financial advisors may need a

license to practice, issued by the Financial Services Regulator in their Country. Only these advisors may be called

'Certified Financial Advisors'.

It may be a condition that prospective certified financial advisors show their

Regulator that they are:

* competent to advise

* impartial in their advice

* independent of

Providers

* covered by professional indemnity insurance.

So it is important to check that your financial

advisor is listed under:

* Certified Financial Advisors, licensed to advise in the Country where you live

and

* Independent Financial Advisors - advising on a wide range of offshore plans from a full list of

providers.

Now you should feel confident you are receiving the best offshore financial advice.

Q3

- How are offshore financial advisors paid?

Independent financial advisors (IFA's) earn their living

from commissions they receive from plan providers. This is their income for the offshore financial advice they

give.

The commission that advisors (IFAs) receive from offshore financial advice cases may range from hundreds to

thousands of dollars.

Good offshore financial advisors should not be influenced by the amount of commission they

receive.

Some clients prefer to pay fees to their financial advisors for advice to ensure impartiality. When this

occurs offshore financial advisors refund commission received from a plan provider either in cash or as an increased

allocation of contributions invested.

Q4 -How do I find a list of Independent Financial Advisors

(IFAs)?

Search the web! Try searching using the search words independent financial advisors or

certified financial advisors PLUS the name of the Country in which you live.

Personal recommendations are always

helpful - ask your friends if they would recommend their offshore financial advisors. Always check that a recommended advisor

is both certified and independent.

Offshore Investing - What do that

mean

Q1 - What is Offshore Investing or Offshore

Investment?

When we talk about Offshore investing plan opportunities it is like the savings plans

available in many countries, except these plans:

* Are registered in tax havens and are regulated by their

Financial Services Authorities.

* Can be used for investing by non-residents of the tax havens.

* Are

sometimes more tax efficient than or have other advantages over domestic savings plans.

Q2 - Why would

expatriates choose offshore investing?

Expatriate investment in the savings plans catalogued here and

offering offshore investing opprotunities might be appropriate when:

* No local or Home Country tax free regular

savings plans are available.

* No local or Home Country tax free lump sum investment plans are available.

* An expatriate is planning to retire to a third country.

If you fit any of these categories of expatriates you

should investigate the offshore plans researched by Offshore Boffin and consult your Financial

Advisor.

Q3 - Are there other people who might benefit from Offshore

Invesment?

Yes. People who are not living abroad might find offshore investment attractive in the

following circumstances:

* They have more cash available for savings than can be invested tax free in their

resident countries' investment plans (perhaps because the amount they can invest each year is capped).

* They may

live in countries which do not have domestic tax free savings plans.

* They live in countries which are not

suitable long-term investment environments for political or economic reasons.

* They wish to limit the effects of

inheritance tac on their estates.

Q4 - Is there safe offshore investing?

The

answer is that All investors should remember that the value of ALL their investments can go down as well as up!

Safe

offshore investing is more likely by choosing plans:

* From politically stable tax havens - the quality of tax

havens varies.

* From well-regulated tax havens - the tax havens whose savings plans are catalogued here all

regulate their financial services companies to avoid 'fly-by-night' companies.

* From reputable investment

management and life assurance companies - whilst past performance is not always a guide to the future, the companies whose

savings plans are listed here are all well-known names.

* Investing in 'mutual' or 'collective' funds. these

funds are based on a simple idea. If a large number of investors pool their savings in - for example - an equity fund, the

larger fund can be invested in shares in many companies, spreading each individual's

risk.

For expat investment - and others - to be successful the best offshore investment

opportunities must be found. For that you'll need a good Financial Advisors.


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