Expat Wealth at Work -

Before becoming a client, your financial consultant will clearly explain and outline all charges. This transparency is a key part of the rules we follow to ensure you understand any fees involved. We’re always open to discussing these with you and will provide a detailed breakdown.

Our initial consultation is free. While some financial advisers charge by the hour, we operate on a yearly performance fee, which is a percentage of your investment’s value. This will be clearly outlined before you commit to any of our services. Importantly, we do not take any commissions from product providers.

As a highly reputable financial consultant, we provide a clear overview of the services we offer and can confirm that we are fully independent. The term “independent financial consultant” holds a specific meaning under the regulations set by financial authorities.

To be considered independent, we must offer an unbiased and broad range of retail investment products. This means providing consumers with unrestricted financial advice based on a comprehensive and fair analysis of the entire market.

In contrast, a “restricted” financial consultant can only offer a limited selection of investment products or those from specific providers, meaning their advice is not fully impartial and may restrict the options available to you.

To clarify, Expat Wealth At Work operates as an independent financial consultant, providing unbiased financial advice to expats across Asia, the Middle East, Europe, and Latin America.

Financial planning revolves around your personal finances and future goals. A financial consultant will assess your current financial situation, including your pensions, investments, savings, and other assets. They will even take the proper time to understand your short, medium, and long-term goals. With this information, the consultant will create a tailored financial plan designed to fit your unique circumstances. It’s ideal to involve your spouse or partner in the process since many plans are joint and can provide tax benefits as well.

A financial plan is a roadmap created by your financial consultant, guiding you from your current financial position to where you want to be. It outlines the steps required to reach your goals, taking into account various strategies and levels of risk. The plan should cover all aspects comprehensively.

Since everyone’s financial situation is unique, each plan is tailored to fit individual needs. At Expat Wealth At Work, we generally focus on what matters most to you, addressing key areas while ensuring the plan is clear and easy to understand. We explain the reasons behind each recommended action, helping you make informed decisions. It includes:

• Savings & Investment Planning
• Financial Forecasting
• Financial Organisation & Budgeting
• Emergency Fund
• Disaster planning
• Contingency planning
• Life & Critical illness protection
• Property Planning
• Family Financial Planning
• Financial Protection
• Tax Planning
• Goal Planning
• Cash flow analysis planning
• Retirement Planning
• Income planning
• School/University fee planning
• Older Age & Estate Planning
• Inheritance tax planning

Having a financial plan greatly increases your chances of achieving your goals. Money plays a key role in expanding your options and helping you reach your life ambitions. That’s why having a well-structured financial plan is essential.

A financial plan helps you focus on the steps necessary to achieve your goals by identifying potential barriers or limitations you may face. Keep in mind that financial planning involves assumptions about growth rates, inflation, and spending patterns, which may not always align with reality. It’s important to regularly review your plan to address any gaps and adjust as needed.

No, we are always available to assist you and want you to feel supported throughout our partnership. If you have any questions or concerns, feel free to call or email us, and we’ll do everything possible to assist you. We take pride in our quick response time and are committed to providing you with excellent service.

Generally, we review financial plans annually, but this may vary based on the specific needs of each client. The frequency of reviews depends on the level of service you choose, as we recognise that every client has unique requirements and a personalised relationship with us.

No. While we believe our service offers great value and hope you’ll stay with us, you’re free to leave at any time. During our initial meeting, we’ll explain that financial planning is a long-term, personalised process that evolves with your life. We’ll discuss the advantages of working with us and share our approach. Most of our clients continue to work with us, and we hope you will too.

Yes, ongoing reviews are a key part of our service, in addition to the initial recommendations we make. For instance, in our wealth management service, we offer annual reviews to assess the performance of your financial investments and discuss any changes in your circumstances that may impact your finances. During these reviews, we provide updated recommendations on your investment strategy, risk analysis, and assess whether any changes to your providers are necessary, always with your consent. You’ll receive a detailed report explaining the reasons behind our recommendations.

We also review updates in tax rates and allowances, reassess your income, expenses, and personal situation, and suggest adjustments to maximise tax efficiency. This might involve changes to your income structure or how you allocate savings. Additionally, we will reassess your risk profile. While you are not obligated to use our ongoing service, if you choose to, we will fully explain all available options to ensure you are well-informed.

Yes, as a retirement financial advisor, we can help you plan effectively for a secure retirement. We take the time to understand your financial situation and life goals, incorporating all of these elements into a tailored plan. Using cash flow modeling and forecasting, we help you plan with confidence, and we also conduct stress testing to ensure you have backup plans for any unexpected events. Many clients initially struggle to define their retirement goals, but through our guidance and expertise in the first meeting, we can help you identify and prioritise what matters most to you and your family, providing a clear path forward.

At Expat Wealth At Work, we specifically believe in building a strong understanding of our clients, starting with an in-depth initial meeting. As we get to know you better, we help you identify your life goals, many of which have a financial component. Using this information, we create a customised financial plan that outlines the steps and strategies needed to achieve those goals.

We will guide you through our process to determine the best way to advise you on suitable investment and savings products. As an independent financial consultant, we will discuss your current financial situation, plans, goals, risk tolerance, and any upcoming life changes you anticipate.

Our independent advice is not necessarily tied to selling products. At Expat Wealth At Work, our focus is on evaluating your financial needs and helping you achieve your goals, rather than pushing you toward specific products.

We assess your risk tolerance through in-depth discussions and by using specialised software and analysis tools tailored to each client. This helps us understand your attitude toward risk, which we then translate into a clear risk profile, considering asset structure, potential returns, and your comfort level with risk. We also discuss your investment timeline and ensure you’re fully comfortable with the risk involved. Once we’ve established and agreed upon your risk profile, we ensure that any recommended investments align with it and are regularly updated.

If you can’t find the information you’re looking for here, it may be available elsewhere on our website. If you’ve already checked, feel free to reach out to us through your preferred method of communication. Our live chat is usually quite helpful, and we can provide quick responses. Alternatively, you can always email us with your questions.