Expat Wealth at Work -

Before you become a client, it’s essential that a financial consultant clearly explains how much they will charge you. It’s a rule we strictly adhere to, ensuring full transparency. We want to make sure you fully understand any fees associated with our services, and we’re more than willing to break everything down for you.

Our initial consultation is completely free! Unlike some financial advisors who charge by the hour, we operate on a performance-based model. As a fee-only financial planner, we charge a yearly fee that’s a percentage of your investment’s value. Rest assured, we’ll explain this upfront so you’re fully aware before moving forward with any of our services.

Also, as a wealth management advisor and high-net-worth investment management service provider, we do NOT take any commissions from product providers—our only focus is on your financial success.

As a trusted and highly rated financial consultant, we’re pleased to share the services we offer and confirm that we are an independent financial advisor. When we say “independent,” it means something specific, as defined by the rules set by financial regulators.

To be considered truly independent, we must be able to provide unbiased advice and offer a wide range of retail investment products, ensuring that we can give you financial recommendations based on a comprehensive, fair analysis of the entire market.

In contrast, a’restricted’ financial consultant typically has a limited selection of investment products or only works with a small number of providers. This often means their advice isn’t as unbiased, and the range of products available to you may be restricted.

Just to clarify, Expat Wealth At Work is an independent investment advisor dedicated to offering expert financial advice to expats across Asia, the Middle East, Europe, and Latin America. As independent financial planners, we’re here to ensure you get the best possible advice, free from any outside influence.

Financial planning revolves mostly around you and your money. A financial consultant examines your present financial condition closely, covering items like your pensions, investments, savings, and assets. They will then probe your objectives for the medium and long term as well as for today.  With the right financial planning and analysis, they will design a customised financial strategy that fits your particular situation.

It’s vital to involve your spouse or partner in this process, as many plans are joint, and there could be tax benefits in play. Always remember, through careful financial planning and wealth management, the consultant can guide you to make the best decisions.

A financial plan is basically your roadmap, created by your financial investment advisor, guiding you from where you are now to where you want to be. It lays out the steps you need to take, considering different options and risks along the way. And, of course, it should cover all the important bases.

At Expat Wealth At Work, we focus on what matters most to you first. Here are some of the key areas we’ll cover:

• Goal Planning
• Retirement Planning
• Income Planning
• Cash Flow Analysis Planning
• Savings & Investment Planning
• School/University Fee Planning
• Tax Planning
• Inheritance Tax Planning
• Financial Forecasting
• Financial Organisation & Budgeting
• Emergency Fund
• Disaster Planning
• Contingency Planning
• Life & Critical Illness Protection
• Financial Protection
• Property Planning
• Family Financial Planning
• Older Age & Estate Planning

As with many situations, people who have a plan are much more likely to reach and achieve their objectives. Let’s face it, money is very important because the more of it you have, the more options you have and life goals you can accomplish. Therefore, ensuring you have a financial plan in place is crucial.

A financial plan allows you to focus on exactly what you need to do to achieve your goals by identifying any restrictions or obstacles that you need to overcome. Please be aware that cash flow modelling and financial planning use assumptions for growth rates, inflation and spending patterns. These assumptions may not play out in reality. It is recommended that these plans are reviewed by financial investment advisors or financial advisory services so that any shortfalls are addressed and resolved promptly.

Absolutely! We’re here to support you, and it’s important to us that you feel taken care of throughout our partnership. If you have any questions or concerns, don’t hesitate to reach out by phone or email. Our accountants and financial advisors make it a priority to respond quickly and are always eager to provide the best service possible.

We typically review your financial plan annually, but the frequency depends on your specific needs and the level of service you choose. We understand that each of our clients is unique. That’s why we tailor our financial planning and wealth management services to fit your individual situation.

Not at all! We believe in providing outstanding value, and our goal is for you to stay with us because you’re pleased with our service. However, you’re free to leave at any time. When we meet for the first time, our financial planning experts explain how financial planning is a long-term process that’s customised for you. Your plan will evolve with you as your life progresses, and we’ll guide you through every step. Most of our clients stick with us, and we truly hope you’ll stay too!

Absolutely! Ongoing reviews are a core part of what we do. For example, with our wealth management service, we conduct an annual review to assess the value of your financial investments and discuss any changes in your circumstances that might affect your finances. Although always with your permission, throughout this review we will provide new advice on your investing plan, risk profile, and providers with a comprehensive report outlining the reasons for these developments.

Our accountants and financial advisors will also look at your specific situation, tax rates, allowances, income, and expenditures. We will make sure you are fully using tax-efficient approaches. This might call for changing your income arrangement or reordering savings. If you choose to use our ongoing service, we’ll explain all the options so you’re fully informed.

Of course! As a retirement financial life manager, we’ll work with you closely to make sure your retirement is safe and useful and that it fits your needs. We’ll make a specific plan just for you by learning a lot about your funds and personal goals. Our retirement planning advisors will help you seamlessly plan for retirement by using cash flow modelling and forecasting. We even stress-test the plan to make sure it can handle any changes that come up out of the blue. Many of our clients don’t have a clear plan for their retirement at the start. But with our help, you can figure out what’s most important to you and your family, which will give you a clear path to a joyful retirement.

The first thing Expat Wealth At Work does is get to know you better. The goals that are most important to you will be the ones we will talk about in our first meeting. Most of the time, these goals have something to do with money. After that, our financial service advisors will make a personalised wealth management plan that shows you how to achieve your big dreams, step by step.

We’ll walk you through our process, helping us figure out the best way to advise you and which investment or savings products will work best for your situation. As an independent financial planner, we’ll talk with you about where you currently stand, your goals, how comfortable you are with risk, and any life changes you’re planning for. Our job is to help you reach your goals—not to sell you products. Our advice is always unbiased and geared toward creating a plan that works just for you.

If you’re still looking for answers, feel free to explore other areas of our website. And if you still have questions, we’re here for you! Reach out via live chat, where our financial service advisors can usually respond quickly, or send us an email, and we’ll get back to you as soon as possible.

If you can’t find what you are looking for here, then perhaps it may be detailed somewhere else on our website. If you have looked already, then please feel free to contact us using any method that you prefer. Our ‘live chat’ is quite helpful and we can usually answer your questions quite quickly. If not, please just e-mail us.