Delivering financial freedom. UK and European financial management specialists

Transcription

1 Delivering financial freedom UK and European financial management specialists

2 Our origins and brief history We provide the big-picture oversight that you need to succeed. The Blacktower group was formed in 1986 to provide independent wealth management advice and a bespoke service for both individual and corporate clients. As we celebrate over 27 years in business, our independent financial advisers are continually evolving to meet the needs of our customers and changes in regulation and legislation. They are led by our Group Managing Director John Westwood, one of the founders of the firm. In 1996, Blacktower expanded International and opened its first office in the Algarve, Portugal during From this office, we began and still do provide financial advice to expatriates. Blacktower Financial Management (International) Ltd (BFMI) was formed in 2003 and incorporated in Gibraltar. BFMI now has offices throughout Europe and is continuing with its expansion programme. Our international Head Office is located in Gibraltar and our UK Office in Surrey. Blacktower Financial Management Limited is authorised and regulated by the UK Financial Conduct Authority. The registered office is 89 New Bond Street, London, W1S 1DA Registered in England. Registration No: Blacktower Financial Management (International) Limited is licensed by the Gibraltar Financial Services Commission. Licence Number 00805B

3 Wealth management solutions Finding a financial adviser you trust, who understands you and is independent of any financial organisation is gold. And that s where we come in. We specialise in offering a bespoke and independent wealth management advice service for international and UK clients, comprising individuals, companies, charities, pension funds and trustees. We work in partnership with our customers, carefully analysing each client s investment objectives. By understanding our clients requirements and attitude to investment risk, we are able to recommend a range of investments that are designed to provide tax efficient growth and income in the short, medium and long term. Where appropriate, we can also offer clients the facility to appoint one of a number of Independent Discretionary Fund Managers (IDFMs) with whom we work very closely. We offer a flexible approach to consultancy so working with an IDFM can be for all, or just part, of a client s portfolio of investments

4 Retirement solutions Don t simply retire for something, have something to retire to. Whether you choose to live and work in the UK or abroad, personal pension planning is vitally important particularly in the current economy with changes to retirement ages. To provide for a comfortable retirement, it is necessary to create assets during your working life which can continue to produce tax efficient income. Our objective is to assist in the acquisition and growth of a range of capital assets, which provide financial security to customers later on in life, when they really need it. Together with you, we consider all possible future outcomes and examine all resources, including business assets, investments, property and pension plans. Additionally, we will guide you and explain all of the options available as you get closer to retirement whether this is providing security at a known level of income, or more flexible options. Blacktower also offers a full pension transfer analysis report system. Our system analyses past and future performance and can suggest options to improve your current financial arrangements. In many cases, for individuals who have taken or plan to take residency in another country, there may be greater tax efficiency and other benefits that can be gained by taking some advice. For instance, this can be achieved by transferring pension benefits to an international scheme i.e. QROPS (Qualifying Recognised Overseas Pension Scheme), QNUPS (Qualifying Non-UK Pension Scheme) and EU SIPP (Self-Invested Personal Pension). Blacktower can review your existing portfolio and situation and advise on the most appropriate arrangement for your individual circumstances

5 Tax services Whatever your circumstances, your requirements will be unique. Effective tax planning, both in the UK and Internationally, plays a significant role in your overall wealth management programme. Careful planning of your Tax and Inheritance Tax liabilities is vital whether you reside in the UK or overseas. Whilst not Tax Advisers, Blacktower s general knowledge and understanding of the taxation systems in the UK and abroad means that we can help you to make the most of your individual situation. Where detailed advice is required, Blacktower can recommend the services of Professional Tax Advisers if necessary. All of our recommendations, where requested, take into account an individual s position with regard to Income Tax, Capital Gains Tax and Inheritance Tax. Wherever possible, we make use of existing tax exemptions, allowances and thresholds. Simply restructuring your affairs and reviewing the financial situation frequently can result in considerable tax savings for you. If you would like to discuss this in more detail, please us at info@blacktowerfm.com or contact your local office. The Financial Conduct Authority in the UK and Financial Services Commission in Gibraltar do not regulate Tax advice

6 Nexus Global Portfolio The onus is on us. David Miller Nexus Global Portfolio Range Nexus Global Solutions Portfolio Multi-asset approach with exposure to cash, fixed interest, equities and alternatives. Following extensive discussions with Quilter Cheviot, the Blacktower Group has launched the Nexus Global Portfolio which has been created specifically to meet the needs of Blacktower clients. The funds are invested in highly liquid securities, with the twin objectives of capital growth and wealth preservation. The Nexus Global Portfolio Range has been created exclusively for international clients of the Blacktower Group, where there is a clear need for combination of growth and capital protection. Strategically the funds are positioned to take advantage of the opportunities presented by the global financial markets and minimise the impact of inflation, which although low at present, continues to erode the value of savings. Most importantly, we have built in the flexibility to take avoiding action during times of uncertainty. This is not the time to rely on tracking an index, as the gap between winners and losers is likely to be significant. Nexus Global Dynamic Portfolio Capital growth through investments in global equity markets. A very bright idea Fully regulated Malta UCITS. The value of investments and the income derived from them may fluctuate and investors may not receive back the amount originally invested

7 Protection policies A big part of financial freedom is having your heart and mind worry free about the what-ifs of life. Life assurance provides essential financial protection whether it is for the benefit of family and loved ones or to ensure the financial security of a business. There are a variety of products that may be suitable for you. At Blacktower, we provide a comprehensive service advising on all aspects of both UK and International Life Assurance policies to ensure you are protected now and in the future. We remain on hand for regular reviews that are essential to ensure your protection products are kept up-to-date as your circumstances change. UK & International Employment Benefits One of our key areas of expertise is providing a full Employment Benefits Management Service to both UK and International Companies. This includes advising and arranging on Employee Benefit Schemes, such as Group Personal Pensions and Group Protection Products. We also inform employers how they can protect their business through policies such as Key Personal Assurance and Shareholder Protection

8 Professional services Whatever your requirements, we are part of a larger professional network and we all work together as a team. Blacktower s professional services division is dedicated to providing a full range of financial services to other professional advisers who need to offer their clients the benefit of independent wealth management advice. We also work closely with organisations such as accountants, solicitors, will writers etc. so that we can offer a full service to our clients in all aspects of their financial planning. In addition to this, BFMI can offer a comprehensive advisory service assisting with the selection and establishment of international private banking arrangements. Our clients may profit from our close relationships with many of the leading private banking groups. Drop us a line on info@blacktowerfm.com for more details

9 Why Blacktower If you can laugh together, you can work together. We work with a united aim to provide clients with the very best, most relevant information for their situation, enabling them to make informed decisions as to how they want to handle their financial affairs. Supported by our friendly and efficient administration staff, our consultants are experienced and build strong and lasting relationships with our clients. If you decide we can help you, as a new customer we carry out, without obligation, a review of your affairs and explain some of the financial options that may be open to you. If you join us and become one of our existing, longer-term clients, you decide on the level and frequency of meetings that work for you. We would recommend regular reviews of your arrangements in order that your finances are always working at the optimum performance so you get the best results

10 Testimonials While working with Blacktower to optimise my finance strategy, I highly appreciated their ability to listen, enabling them to provide valuable proposals and alternatives suited to my needs. The discussions we have are always tightly managed with excellent professional time whilst also connecting on a personal level. Blacktower values no-nonsense approaches and on-time delivery. I would happily recommend Blacktower s services. C. Drenith I have been a client of Blacktower since In that time Blacktower has consistently acted in a professional manner, working at my pace and taking the time to understand my situation and my needs. Blacktower has been very knowledgeable in the area of investments and financial planning, taking the time to ensure that I was fully aware of the options open to me as an international client and carefully selected the right solution for my circumstances. I would happily recommend Blacktower s services to any international looking for independent professional financial advice. L. Almajano Blacktower has been a huge help in sorting out the mess that participating in various UK company pension schemes has resulted in, and now I feel considerably more confident about my retirement. Blacktower know their stuff, and can impart this knowledge at exactly the right level: never patronising yet ensuring understanding every step of the way. Definitely recommended. A. French

11 Gibraltar Office (Head Office) Suite 34 & 43 Victoria House, 26 Main Street, P.O. Box UK Office Fetcham Park House, Lower Road, Fetcham, Surrey KT22 9HD +44 (0) Blacktower Financial Management (International) Ltd is licensed by the Gibraltar Financial Services Commission, License Number 00805B. Blacktower Financial Management Ltd is authorised & regulated in the UK by the Financial Conduct Authority. 20