Services
For Caratfin to give best advice to clients it is important to initially ascertain the clients needs in terms of their current financial situation, tax status and existing investments. Additionally it is necessary to establish the client's future financial needs, objectives and most importantly his/her risk profile. Only after this process, known as a fact find analysis is complete, are we able to formulate and submit a proposal for the client's consideration and action. Thereafter Caratfin has a policy of remaining in regular contact with clients through personal visits, mail, telephone and our interactive website. Clients are also most welcome to visit our offices.
This represents the main focus of Caratfin business. We pride ourselves on providing independent advice, acting solely on behalf of our clients with the express intention of achieving their objectives within their specified risk profile and investment period. To this end we:
- Tailor proposals to each client's individual requirements.
- Constantly monitor the progress of clients' investments.
- Provide clients with regular valuations.
- Negotiate the best terms for clients in respect of allocations and charges.
For many expatriates and clients residing and/or working in foreign countries where there may be depreciating currencies or the possibility of a future move, the availability of portable offshore life insurance, regular savings and pension plans provide an attractive opportunity to invest in a tax efficient manner whether for a wedding, education, or retirement. Caratfin goes out of its way to source the best available plans to meet our clients' needs. To this end we are constantly evaluating the products available from various reputable companies. Everyone is different thus creating a need for expert and sound financial advice. Caratfin's consultants are well qualified and equipped to assist you with your objectives.
A number of expatriates have pensions in the UK that are paid up and no longer being contributed to. You are allowed to transfer these benefits into a Self Invested Personal Pension (a SIPP) and then take advantage of the many benefits open to you. If you are living outside of he UK you could also consider transferring your UK pension benefits into a Qualifying Recognised Overseas Pensions Scheme (QROPS), which again will free you from a number of the UK restrictive pension rules. Speak to one of our consultants about how you can benefit from one of these transfers.
With the movement of executives and staff around the world, many international companies recognise the advantages of providing offshore benefits for their employees. This negates the need to switch cover when moving locations. Caratfin specialises in sourcing the best available solutions for a particular company's needs in respect of their employees.
Soaring costs of medical care around the world make health insurance an essential requirement in any clients protection portfolio. Caratfin sources the best available schemes for both individuals and corporate clients, paying particular attention to the relationship between cost and benefits.
The need for a will in your country of residence is very important. Caratfin is able to assist clients' in drawing up a will in different countries. For various reasons, including estate planning to save inheritance tax, clients may need the use of a Trust. Many of Caratfin's clients also find the use of offshore companies very beneficial in terms of their international business needs. Caratfin has excellent links to a few very reputable trust and corporate management companies and can arrange to have these matters handled in strict confidence at very reasonable rates. |
