YOUR GUIDE TO OUR INVESTMENT SERVICE

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1 YOUR GUIDE TO OUR INVESTMENT SERVICE

2 Why Us? We are expats just like you. We are familiar with the challenges you face when you move to or live in a foreign country. We understand that securing your financial future ranks highly in your list of priorities. You want peace of mind. You value certainty. You seek a reliable financial provider. We We are are affiliated to to Gibraltar s oldest oldest legal practice, legal practice, Isolas 1892, Isolas established 1892, established more than 125 more years than ago. 125 We years believe ago. in We the believe positive benefits in the positive that continuity benefits and that close continuity personal relationships and close personal bring. relationships bring. We know you are anxious to make the right choices and take advice from people you can trust. That s exactly how we feel. We understand the importance of building long term relationships and are motivated by a desire to make a real difference to your financial future as well as those of your loved ones. We want to help you achieve your financial objectives by developing a deeper understanding of your requirements and taking a genuine interest in your financial affairs. We established a financial services practice because we are passionate about serving the British expatriate community. We too share your frustrations at the practices adopted by some advisers. We too are determined to challenge the status quo. What we love about our company is that we think and act differently. We have a great desire to change the face of financial services by overcoming the large disconnect that exists between the expectations of the expatriate community and actual service delivery. We want to shake up financial services for expatriates by solving client problems in a more intelligent way. We genuinely want to help people the best way we can. We believe in long term mutually beneficial relationships based on the principle of winwin. If what we have said has touched you deep inside. If you share our beliefs and value our service. If you are interested in working together for the common good. If you feel we are the right company to support you; then please make contact. 2

3 What Do We Offer? We are specialists in helping you create, preserve and transfer your wealth in a tax efficient manner to your loved ones. We offer a suite of products and services all of which support these three key objectives. It s very simple really. We seek to optimize tax efficiency in order to help you build, protect and pass on your wealth to the next generation. Find out how we can help you: 1. Invest your lump sum. 2. Structure your portfolio. 3. Understand the amount of risk you are taking. 4. Increase your returns through proactive asset management. You want the same level of advice as you might receive in the UK with the added factor that your adviser understands investment options available in both the UK and Spain. You want and expect complete transparency when it comes to costs and charges and you want to deal with an IFA who can find the BEST option for YOU. Why an Effective Investment Solution is so Important You have worked hard to accumulate your savings, investments and retirement funds and you have probably taken note to structure these in the most tax efficient way possible. How disappointing then if all of your hard work is undermined by poor investment advice when it comes to structuring your funds and building a portfolio that satisfies your risk objectives and meets your financial goals. We have met with too many expatriates who have seen their funds significantly underperform because of poor investment advice or those who have tried to cut costs by self- managing their assets often with disastrous results. Worse still we have seen investors whose portfolios have been decimated by being recommended to invest in high risk unregulated and illiquid funds or whose portfolios have been neglected by advisors unable or unwilling to provide ongoing investment advice. 3

4 How Will You Help Me Structure My Portfolio? Quite simply by asking questions. Asset allocation is the major factor to consider when structuring a successful investment portfolio. The goal of most investors should be to build a diversified portfolio that will enable them to weather the ups and downs of stock markets. However we cannot properly construct your portfolio until we (and you) know exactly what kind of investor you are. This requires looking at a number of factors and answering some important questions to find the optimal mix for your investment portfolio. Determining your investment strategy is the first thing we need to understand. What are you investing for? Are you building capital, preserving capital or or looking for for an an income stream? What is your investment horizon, when will you need access to the funds? What is your tax position, where do you pay your tax and at what rate? It s All About The Risk! Risk and reward go hand in hand, the more risk you are prepared to take the greater the potential return but many investors don t see it like that, they want maximum return for minimal risk. You need to be honest with yourself about the magnitude of risk you are prepared to take and your capacity for loss. Will you be able to sleep at night if your portfolio is down 20 to 30%? Can you ride out any market dips? The average investor is not a natural risk taker which is why they buy when markets peak and sell when the market falls and then wonder why their investments don t perform. If you want to gauge your investment temperament look at how you responded to the market crash of 2008? Did you sell, hold or buy more stock? We very carefully and scientifically risk profile our investment clients and construct portfolios that are consistent with their overall attitude to risk. CONTACT US

5 How Can You Help Me Increase My Investment Returns? The key to improving investment returns is to have a properly constructed portfolio that is monitored, reviewed and adjusted when necessary on a consistent basis. The underlying funds that are recommended need to have been thoroughly researched and benchmarked against their peer group. Your investment manager needs to understand the market and how wider economic conditions affect fund performance. The most important factor is that your adviser is proactive and maintains a regular dialogue with you. One of the worst mistakes you can make is to work with an adviser who never reviews your portfolio or checks to see if your risk profile or your financial goals have changed. If you are in this position now we will gladly provide a second opinion and review your strategy. OUR PROACTIVE ASSET MANAGEMENT CAPABILITY, ENSURING YOUR ASSETS ARE MANAGED PROFESSIONALLY, PROPERLY AND IN LINE WITH YOUR EXPECTATIONS HAS PROVED A WINNING FORMULA FOR INVESTORS LIKE YOU. WE WILL BE DELIGHTED TO OFFER YOU A THIRTY MINUTE CONSULTATION AT OUR EXPENSE TO DISCUSS YOUR INVESTMENT REQUIREMENTS FURTHER OR TAKE ADVANTAGE OF OUR FREE PORTFOLIO REVIEW SERVICE (WORTH 1000) FOR A COMPREHENSIVE ASSESSMENT OF YOUR EXISTING PORTFOLIO. TALK TO OUR TEAM Gibraltar Spain London Portugal

6 Many of our clients love our company for being different and have been touched by our passion to make a real difference to people s financial futures We have been with Fiduciary Wealth for just over a year and are more than pleased with the advice and service provided not to mention a healthy return on our investment already. Our adviser, Andrew Hosking has from the outset been transparent and clear and information which can often be extremely complicated was explained clearly. The system is user friendly and you can log on as like any online bank system to see how your investment is performing which also makes you feel in control. Fiduciary Wealth is a truly professional firm setup making you feel comfortable that your investment is being managed properly and working for you. M.R. jargon-free!. I would certainly recommend them to any interested party who wishes to receive good old-fashioned service. T.H. For 25 years we have had a succession of very average financial advisers but since we changed to our current adviser Paul Correa of Fiduciary Wealth in April 2008 the service and quality of the financial as well as investment advice has been above all our expectations. Mr & Mrs S. Fiduciary Wealth became known to me by other friends who were using them for a wide range of Financial Services viz. tax planning, investment decisions and general portfolio management. Fiduciary Wealth have proved themselves to be very pro-active and readily available to discuss/advise AND alert their Clients on market changes which are of a general nature and more importantly, to tailor their experienced advice to an individual portfolio. All correspondence is dealt with very quickly and efficiently and completely CONTACT US CALL US TODAY ON:

7 Talk to our Team This is your opportunity to have a thirty minute consultation at our expense to discuss the financial issues affecting you and how we might help you resolve them. You can contact us on any of the following numbers or by enquiries@fiduciarywealth.eu Gibraltar Spain London Portugal Regulated by the Gibraltar Financial Services Commission - Licence No. FSC00962b. This guide is provided for general information only and the information contained herein should not be acted upon without professional independent advice. Fiduciary Wealth accept no responsibility for any loss occasioned to any person as a result of or in consequence of action taken or refrained from in reliance of the contents herein. Not all of the services referred to in this document are regulated. 7