Our Philosophy
Our clients work hard for their money
Our objective is to help make the client’s money work hard for them
What separates us from the crowd
We are a group of dedicated & highly qualified professionals with over a quarter of a century of experience in this area and with one goal; helping our clients realise their dreams. We offer a complete service, research and analysis , from analysing clients needs and requirements to researching the best companies and options.
We look to build strong relationships with our clients & take them on as clients for the term of their contract & beyond
We provide detailed research and analysis in the form of a tailor-made / bespoke report & investment strategy derived from the client's requirements.
Access to plans & options unavailable to the retail market. As we are independent, we have access to thousands of funds directly and indirectly through fund managers, active fund managers, investment companies and related that we can refer. As we are international, we can offer the best options from all over the world
We specialise in offering research and analysis on: Retirement Planning · Education Funding for children or for further education such as degrees · General Saving / Investment Accounts / Wealth Creation · Wealth Management · Inheritance Tax Planning · Portfolio Management · Corporate Pensions / Corporate Savings / Investment Accounts · Mutual Funds Accounts· Stock Markets Accounts· Bond Accounts amongst others
John & Kates story - a case study
When John & Kate came to us, they described themselves as an average couple. They had a one year old baby Sam and an energy filled four year old Jane.
John was a successful executive with a good level of income & Kate juggled looking after their children with what was becoming a profitable website business.
It was very important to John and Kate that they make good provision for their children's education costs for university. John and Kate were considering funding towards some more expensive prestige universities around the world, along with accommodation costs, etc. and comparing with affordable universities in the city and country in which they lived.
Kate only had retirement provision in place from the state in the country in which she lived, however she feels this will not give her anywhere near what she needs in retirement.
John received a reasonably good pension from the company he worked at but as the company was experiencing some difficulties, he was worried he may not actually receive the pension benefits in the future. With this in mind John was considering going it alone and setting up his own company and wanted to make sure that his future retirement funding was in his own hands and not left in the hands of others.
In retirement John and Kate wanted the opportunity to have a few good international holidays a year, to live by the ocean and always have enough money for life's little luxuries.
As well as the retirement and educational planning John and Kate also wanted to create a capital reservoir so that there was always available money to provide for what life might throw at them while not looking to touch the main capital they were creating.
John and Kate owned property that they received rental income from and while they wanted to take this into account in their planning they didn't want to 'put all their eggs in one basket' and have all their savings and investment in property, they wanted to diversify to spread the risk.
While still relatively young and more focused on what was happening in the moment in life with two young children Kate freely admitted some level of procrastination had got in the way. Kate said, "We looked at starting the education funding for Jane when she was born along with the retirement funding for both of us but for one reason and another never got around to it, as John Lennon and others have said 'Life is What Happens To You While You're Busy Making Other Plans'.
Comparing the numbers from then four years ago and that moment along with then having Sam and his university costs to deal with was a bit scary, the loss of the compound interest from those years on Janes education funding and retirement planning that is lost forever means we had to urgently make a start or face spiralling costs and less time to make it in, which may well have resulted in having to take ultimately an inferior option for our children and retirement lifestyle, which we didn't want. Compound interest is so huge in medium to long term planning, I had no idea.
Also, inflation was worrying me, so it was important that we planned for the worst in our planning numbers, while of course hoping for the best."
John has played with investments before and "had his fingers burnt". John said: 'I had a ‘DIY’ Investment Platform and didn't really know what I was doing, when I should be buying or selling and lost money as a result, with that in mind I want to do my job and leave those decisions with professionals who do this for a living and are good at it."
Regarding other requirements of the ultimate company their contract would be with, John said "We wanted low charges and good returns, I mean who wouldn't?!, The location of the company to be well regulated with a good S&P rating. Tax efficiency. Good online access to our accounts and ideally all could be done online. We wanted the account to be flexible but not too much, we wanted some discipline to ensure we reach our goals. Finally, we wanted our accounts in a hard currency and chose to invest in USD, as that is the foreign reserve currency and since the country we live in has a soft currency with fear of depreciation or worse still devaluation, as has happened before."
A few years down the road and Kate said "Its such a relief and peace of mind to know that we are on the way to building our retirement pot and Sam and Jane's education needs. We have a dedicated consultant, she is very knowledgeable, patient and attentive, whenever we have a question, she is there to answer promptly. She has looked after us from planning to implementation and onwards. We just completed our 5th anniversary consultation, with good returns, a flexible savings plan with a great company, the local companies where we live simply can't compete, we would never have found the company that was found for us on our own and to know if the worst should happen, we have security, is a great relief. I introduced my brother Mark who is younger with few responsibilities and so a more carefree approach, he has a very aggressive savings and investing style and is seeing amazing returns in what he calls his Ferrari portfolio as that's what he's going to buy in a few years with the money, which made me smile."
John added" They basically educated us in these areas, the planning that went into helping us understand what we really needed in retirement, education funding, in general savings and investments was incredible, such detail, I had no idea. They took into account the risk level we were comfortable with and showed us all the options. The company we are working with are everything we asked for and more. There are a number of things that makes Zurich Wealth Management stand out; simply they have many options we and I guess many people don't know about, the system and service is personalised, detailed, professional and on the ball, Jane and I would highly recommend them"