Planning and Budgeting to ensure the delivery and attainment of goals.

Retirement;
It is Internationally understood that YOUR personal retirement provision will probably be YOUR single largest financial commitment of YOUR life. Now how can such an enormous hurdle be overcome without planning?

The world is growing older and living longer and as a result, the state pension schemes of many countries have become unable to provide the security and living standards they once offered. This unfortunately places YOU in the situation where YOU have to ensure YOU take adequate provision NOW, while funds are still available.

One of the main reasons many Expatriates overlook this important area, is due to them being unsure of conflicting tax issues and how those tax issues will affect them now, though in particular when they go back to their home country, (or move to another country). Often this is due to a lack of understanding, leading to many Expatriates not making any provision at all, through fear of making the wrong choice.

We can assist YOU in making the right choice !

Starting a pension too late in life could mean the difference between pick of the resorts and the last resort.

Come retirement, THREE in FOUR people won't have enough money to make ends meet..............How about YOU?

(Source: Mintel)

In today's employment climate, it is vital that YOUR children 'stand out from the crowd' in order to win the better occupational positions in later life. There is sufficient evidence to prove that the method of schooling can dictate YOUR children's future.

Unfortunately many children are left in an unfortunate position of having to work whilst studying for further educational qualifications, due to the lack of planning taken by their parents. It's important not to place further pressure upon YOUR children; ensure YOU address this important issue while sufficient time exists for it not to prove to be a financial burden.

Private Education and University fees are grossly underestimated on the whole, and can cost from around £6,000 to £25,000 per annum, dependent on the institution concerned. Bearing in mind that schooling has it's own inflation rate, (typically much higher than normal inflation rates), it's not difficult to realise that high education costs now, can quickly double in real terms when you take into consideration the effects of inflation.

Everybody has different financial goals, whether they are for the short, medium or long-term. It is imperative that YOUR goals are categorised into the correct time constraints in order for YOU to best facilitate the banking or investment opportunities available to those funds.

Many Expatriates fall into the trap of 'leap frog' saving. This is where YOU save YOUR money for a specific goal in the future, and as soon as YOU reach the required savings, YOU spend all of the funds on YOUR goal. Now this could be for a new entertainment system, a car, a holiday or even a deposit for a house. Regardless of the goal involved, 'leap frog' saving is not a satisfactory method of financial planning.

YOU must identify YOUR funds for the short-term, (Emergency fund), medium-term, (Day to day spending, car repairs etc.), and long-term, (Retirement, Children's Education and overflow into medium-term when required), and ensure that YOU maintain adequate amounts in the short and medium-terms before the long-term is taken into consideration.

Goal setting and priority planning require detailed discussions. It is also vital that once the goals are identified, that they are strictly prioritised to enable their achievement.

Personal succession planning, (including wills), is a sensitive but highly important issue and can be discussed in detail. We will work with expert legal advisors, who will implement the most appropriate strategy to ensure that what YOU intend to happen, will happen.

Our Goal is to assist YOU in arranging YOUR financial affairs for maximum benefit.

In today's litigious society the need to look beyond YOUR country's borders is very real. It is essential for good estate planning to look to foreign countries for the safest and most secure banks, institutions, fund management houses and trusts. Regardless of YOUR total assets now, it is highly likely that in time YOUR worth will rise above the level of cover currently available for YOUR money in its current place, (if it hasn't already). Creating a foreign element in YOUR asset protection, makes sense.

ASSET PROTECTION SIMPLY STATED IS,

"WHAT YOU DO NOT OWN OR HOLD TITLE TO, YOUR CREDITORS CANNOT TAKE FROM YOU".

Please note that there is no charge or obligation for our services unless very complicated legal work is involved, in which case our professional fee would be discussed with YOU and agreed beforehand. (At this time our standard Terms & Conditions of Business will be provided).

Now, we don't know whether you are sitting at home dressed in a pin-stripe suit, penning sharply worded letters 'from the Manager', or drastically attempting to understand the world of stocks / shares and investments.

What we do know is YOU'VE got as much control as YOU feel necessary over YOUR financial situation with
Royal Oak Investments.

Let us help YOU to iron out the creases in YOUR future financial plans.

Finding out more costs YOU nothing! -
Email us for more information.

The better the choices YOU make today, the more choices YOU'LL have tomorrow !

If YOU talk to us openly about YOUR money situation and goals, we'll talk to YOU truthfully about the best way for YOU to use YOUR money.

Life is short, and time slips by surprisingly quickly.

Trying to make up the shortfall in YOUR financial provision with panic payments in later life, rarely works.

The fact is the amounts needed are simply too high.

The only real solution is to take care of it TODAY
because tomorrow is too late !

Talk to us at Royal Oak Investments
to find out how !