A male worker in the private sector would have to save £1.44 million to receive a £43,387 pension at current annuity rates. A woman would need to save £1.34 million. Ministers said the cap would affect only the extremely rich, but experts have warned that the new lower limit could hit workers who are members of final-salary schemes.

Lifetime cap reduction on pension funds has led some experts to warn that the Treasury could effectively be penalising pension managers who succeed in increasing the value of their funds. As well as reducing the lifetime allowance on pension contributions, Mr Osborne last week lowered the annual tax-free contribution limit to £40,000.

Financial advisers to some of Britain’s biggest companies warned that the latest reduction in the cap on pension contributions could also lead to the end of final-salary pensions in the private sector.

The National Association of Pension Funds also said new taxes on pensions would raise twice as much for the Treasury as changes in the levy on banks to help cover the costs of the financial crisis.
The path to adequate personal pension provision is becoming more and more complicated.

So please don’t delay for expert financial advice contact one of our financial advisors or download our free retirement planning brochure.

Experienced investment advisors Anne Hornung-Soukup and Majbritt Byskov-Bridges will hold a dynamic talk about the pitfalls faced by women in these uncertain times.

Maibritt is the Senior Financial Consultant at Guardian Wealth Management and is quoted as saying ‘I love my job! My job is to listen to personal aspirations, help define them and build a solution to reach each financial goal. I take a specific interest in protecting the financial future of international women. Nobody plans to fail, but often just fail to plan!’.

Majbritt attained a Bachelors Degree from the Copenhagen Business College, as well as a
masters in Business Management from the European School of Management from Oxford, Paris and Madrid. She has also worked in London, Paris, Monaco, Madrid, Argentina Ethiopia, Munich, Copenhagen before returning to Geneva.

Anne is a partner at Bruellan S.A., a wealth management company headquartered in Geneva, with various offices in other Swiss locations.

Anne is a dual national, American and Swiss, and has lived in the United States, South Africa and Switzerland. She has worked in finance and investing for 30 years and holds a Bachelors degree from Smith College as well as a Masters degree in international communications and business from American University in Washington D.C.

Between them they have seen it all!

The conference will be in English and will be held on the 29th October  2012 at 11.45am, at the Hotel Metropole.

Download more information here

David Howell, Guardian Wealth Management chief executive is to take part in a nine-day charity expedition across Tanzania, joined by a host of business and sporting dragons.

Eight students with complex emotional issues have been offered the once in a lifetime opportunity to trek across the floor of the Great Rift Valley. Run by The Dore Foundation and Engage, the challenge starts from the sacred Mount Longido and finishes at the spectacular Crater Highlands and Ngorongoro Crater.

The group will be greeted with a meal prepared by award-winning celebrity chef Antony Worrall Thompson on their final day.

David said: “I am thrilled to be taking part in such a life-changing event. Over the years, The Dore Foundation has helped thousands of people transform their lives through a drug-free programme of practical activities, while Engage in their future continuously seeks to improve life chances for children with behavioural, emotional and social difficulties.

“There is no doubt that this will be a challenging and testing expedition but it will allow the children to discover the depths and reality of their abilities and commitment. They will be joined by sporting prodigies and mentors who will act as both help and inspiration.”

David will be joined by former Royal Marine Commando Alan Chambers MBE, Dr Ed Coats, who joined James Cracknell and Ben Fogel in the race to the South Pole, Jeremy Game of the Celebrity Kilimanjaro climb and Trystan Williams, as well as seven business / sporting mentors and six Maasai guides.

One of a series of observational documentaries under the banner of “The Extreme Classroom” the concept was devised and developed by Springfields Academy Principle Trystan Williams and Vice Principal Jon Hamp in the belief that “only by challenging students will they exceed expectations.”

A BBC documentary will follow candidates from schools within the Engage network as they take part in the rigorous selection process and record the highs and lows of their journey.

In the case that your living abroad adventure is taking you from the UK to a country also inside the European Economic Area, your move ought to be fairly straightforward with regards to the legalities. If you are preparing for moving to a further-flung destination, you need to speak to either the British Embassy or the embassy for the intended country of residence prior to you making any plans.

Living abroad – before taking the plunge

Living abroad doesn’t have to be an enormous headache, but it does call for investigation. You must make certain to stop by your intended new home at least once to be confident that you’re making the correct choice. Also be sure you look into any related laws or customs, and give some thought to your income and currency fluctuations very carefully.

If you are used to free healthcare, including the NHS within the UK, make certain that you’re aware of how the health care system operates in your new country. Benefit systems, pensions and support for widows and dependents may also vary from country to country – so organise your life assurance to make sure you’re covered in the new country, the most effective way to seek this advice is via an International Financial Adviser who understands your new destination. If you will be living abroad with youngsters, ensure you investigate the education system in your new country too.

As soon as you’re living abroad, what else ought you to contemplate?

When you’ve arrived, you might need to apply for a residence permit and/or register with the neighborhood authorities. You’ll want to also register with your local embassy and organise any ID documents that you may possibly need – you might even need to make adjustments for your driver’s license in case you intend to get or hire a vehicle. If you’re moving within the EEA, you might be able to organise a non-resident bank account as soon as you get there, with the option to upgrade to a common bank account as soon as your residence permit is made available.

If you haven’t yet organised that critical life assurance, then now may be the time to look into it; you might want to find expat financial advisors inside your region, or merely use a neighborhood service if you’re confident that they are regulated and bona fide. If you haven’t yet done so, you must also make a will now, and on a more personal level, try to learn the nearby language so that you’ll be able to fit in with your new community.

Our advisors here at Guardian Wealth Management have lots of firsthand experience with the challenges you face when living abroad – a large number of our advisors are living as expats, so we can entirely comprehend how you really feel as well as the different issues you will need to think about. With advisors across the world, we can assist you to organise your pensions, life assurance and wills, as well as coping with matters which include inheritance tax. So no matter if you’re just thinking of living abroad, or you’ve already made the move, feel free to contact us at any time for some correct and friendly advice.

Your goal when spread trading is to select 1 of two options; you can go with an up bet or a down bet. An up bet is also at times known as a long position or alternatively, a buy – and you’ll place an up bet if you believe that a commodity or share that you are interested in will rise in price. Conversely, a down bet, sell or short position is placed if you suspect that it’ll drop in worth. In reality, you’re not actually purchasing a share, but instead betting on its price motion.

Spread trading – what’s the risk?

Spread trading is usually a great way to backup your other solutions of financial planning, but it is obviously not without its risks. In effect, you are gambling with your own hard earned money, so it makes sense to ease oneself into it gradually.

Every time you want to place a bet, it is advisable to take into account what level of risk you’re prepared for. You then need to select an amount to bet per point, which may be anything from a pound upwards .

You will have to also determine whether you want to place your wager on the daily, rolling or contract month basis.

Deciding upon the size of your respective spread trading bet

If you should opt for a daily bet, it’s going to close automatically with the end of the dealing day, in case you haven’t closed it manually before this closing stage. You’ll really need to spend somewhat more if you want to place a rolling bet, which can proceed through to the next day of dealing. If you should choose to place a contract month bet, it would run for up to a three month period, closing down on a predetermined day.

This is merely a short look into the leading terms and conditions and approach to spread trading; if you’d like some more comprehensive information or support then see guardianspreadtrading.com, this is where extensive explanations are covered and you can apply your newly found skills on the demo online site without any risk possibility.

Moving completely to another country includes a whole new range of regulations and laws that will be required to be followed – and that means you’ll also require the help of the trained professionals.

The staff at Guardian Wealth Management are experienced in this potentially tricky position and are also there to supply you with recommendations on all areas of financial planning; Spain and your brand new home under the sun could possibly be easier to gain access to than you may realise!

Regardless of the area of your financial plans you need assistance with, we’ll be able to give prompt information in a clear and comprehensible fashion. Once you’ve actually headed away and off to the sun, we’ll also be able to look after your finances for you, making certain your hard earned money is working as vigorously as it possibly can for you.

Sensible financial planning puts Spain well within reach

Getting yourself ready for your retirement isn’t as hard as it initially appears, particularly when you’ve got the specialised back-up to hand to help lead you through the task. Guardian Wealth Management has experts in everything from inheritance tax to pensions and will be prepared to put together every part of your financial planning; Spain may possibly be nothing but relaxation and enjoyment as our team will handle the hard work!

One principal aspect you need to ensure you’ve got secured is your retirement plan. After spending years paying into your fund you’d expect to have a healthy sum to use to live off. But, opting to move to a new destination could quite possibly have an unfavorable influence on that pension and you could potentially be more well off transferring your contributions into a QROPS. A Qualifying Recognised Overseas Pension Scheme could mean that you’re not subject to the constraints and taxation of your other residence and releases your money – make sure you ask your financial advisor for more info. They’ll be more than pleased to be of assistance!

Wherever you may be, you can get a financial advisor – Spain is only one locality that we take care of

Having set yourself up in your own little piece of paradise, you will want to also take into consideration you and your family’s health insurance – obviously, you would like to make sure that you’ll obtain the heath care treatment you know all your family deserves in your new home. The good news is, you could get all the guidance you need from your financial advisor – Spain is among the various destinations that we cover, so we really can be around anytime you are in need of us.

The ever changing realm of inheritance tax liability

Specialised wealth management advisors can assist you with all facets of your financial health, although there are points that may be considered as more important than others. Like for example, the current budget suggested several modifications in the field of inheritance tax liability but didn’t get into too much depth. It’s only now that announcements have been made explaining that non-resident UK taxpayers will see an increase in their allowance, but that information was previously buried deeply within a very small paragraph of the budget statement.

Our wealth management advisors search every single piece of content to be certain that all policy changes are followed and also that our customers are kept up to date of new guidelines that may likely impact on them, regardless whether it’s with regard to inheritance tax liability or another matter. We lead our clients in the right direction, informing and advising them of the most effective options that will help their cash to build for future years, using a blend of savings accounts, investing opportunities and various other possibilities.

Make sure that you have got the trained professionals on your side

Managing this without help could potentially be a minefield, and so having the experts at hand to supply you with the best possible in up-to-date advice is essential. Even a tiniest slip-up on your part can potentially see you in desperate financial straits, so having your trust in a competent company that do this work every single day is without question the most preferred approach. So why take the risk when you can have confidence knowing that your capital is in reliable hands?

If you feel you need assistance with figuring out your inheritance tax liability, why don’t you get in touch with the team here at Guardian Wealth Management? With financial assistance available on pensions, long and short-term investments, insurance and a lot more, we’re your one stop shop for all that you might need with respect to protecting your economic future. With unbiased and proficient wealth management agents available, you can rest assured that we’ll do everything possible to make certain that your finances are indeed being put to work in ways which are most suited for you.

From taxes to QROPS help and advice, we’re your one-stop shop

With everything from ‘Granny Tax’ to increases in Stamp Duty for those of you looking to move to a new house, there’s a lot to monitor when contemplating finances. Finding somebody who has experience in being up to date with the ever changing playing field of financial rules really can be beneficial. Irrespective of if you’re in search of information on saving and investment opportunities at the moment or something farther down the road for instance pensions, your money has to really work much harder than before.

Preparing for the future is no doubt amongst the most important and vital judgments you can ever make. Reflect on what life will be like for you once you decide to leave the workplace; are you going to even be in the position to afford to do this at the time you hit the age of retirement? What about if you desire to move out to a spot in the sunshine even sooner? You’ll really need to explore the probability of something such as a Qualifying Recognised Overseas Pension Scheme which enables you to relocate your pension – tax free – to an overseas option should you move overseas. We’re able to supply you with appropriate and unique QROPS assistance to allow you to appreciate what this particular pension could mean for you and with more changes in the pipeline with regard to QROPS transfers, QROPS assistance is very important if you’re to make the most out of this specific alternative opportunity.

Plan in advance – consult with an independent financial adviser right now!

Every day life is likely to be very different in the United Kingdom of the future; the NHS is going through extensive changes, and therefore the need for health insurance may also increase. University costs are undoubtedly on the increase and provisions should be made if you want to ensure that your children can experience advanced schooling. In the future, you can be sure that there’ll be even greater requirement for professional financial planning – so why wouldn’t you consult an independent financial adviser from Guardian Wealth Management right away, and get started making those extremely important plans?

Speaking to an independent financial adviser provides the assistance you’ll require to protect your long term. By covering tax-efficient investing, QROPS help and advice and so much more, you’ll shortly be on the road to financial well-being – and never ever has it been more valuable.

From 1994, our company and financial experts have been working to the highest standards put down by both financial authorities and professional bodies to ensure overseas workers and expatriate consumers attain the best possible financial planning assistance.

We view it as an honour and a thrill to receive the ability to make use of our knowledge and experience to aid both experts and consumers to obtain far better comprehension of the many elements of financial planning and wealth management.

David Howell, managing director, explained: “We constantly strive to make sure that Guardian Wealth Management offers the most comprehensive advice to those seeking guidance and are delighted to regularly feature across trade, consumer and national press.”

The UK publications wherein Guardian Wealth Management has appeared in over the past year include This is Money, the Telegraph, Financial Times, International Adviser and Financial Adviser, amid numerous others.

Yet Guardian Wealth Management’s scope is far off from confined to the UK and our profound appreciation and knowledge within the expatriate markets has witnessed us presented within The Peninsular (Qatar) and Qatar Today and also the Dubai Chronicle.

David proceeded: “Guardian Wealth Management seeks to help those approaching or in retirement, as well as international clients who are looking to save as much of their income as possible to maximise capital growth over the longer term.

The wide variety of magazines and newspapers in which we have featured is testament to our ability to offer sound financial advice across the board and demonstrates our know-how across a range of subjects.”

The latest responses and articles and reviews on the most significant topics out there have ranged from the upcoming UK Budget, the onslaught of RDR, to the coming modifications in the QROPS market and also tax breaks.

Furthermore, Guardian Wealth Management has publicised its opinion of the need for expat women to plan for their golden years and a few weeks ago, experienced a whole lot of success from the “Qatar – The New Expat Haven” write-up that generated news headlines both throughout the UK as well as the Middle East.

In house improvements have been well-documented through the press, like the release of the spread betting web page, the latest appointments as well as the launching of a completely new office in Hong Kong as Guardian Wealth Management endeavors to grow its global footprint.

David contributed: “Our unswerving presence in the media has helped raise awareness for the Guardian Wealth Management brand among those looking for financial planning advice and has demonstrated our strong reputation in the marketplace.

It is always a delight when existing clients or potential clients recognise our standing in the press and look to us as a leader in our field.”

Guardian Wealth Management has independent financial advisors working across many different worldwide locations. Our experience in helping people to develop a robust global wealth management strategy means that we understand the needs of expats, and will listen carefully to your aims to ensure that we recommend the most appropriate products for you.

Expat Life Insurance

A powerful global wealth management strategy will bring together a variety of different elements to help you make the most of your money. Although it’s hard to say what the most important element is for any one individual, it’s clear that expat life insurance is particularly relevant for international workers, and those who have taken the plunge to start a life in a new country.

While you have plenty on your mind when settling into a new life abroad, you still need to consider and plan for every possibility. Expat life insurance will give you the peace of mind that the people you care about most will be well looked after if fate decides to deliver a blow. Expat life insurance will provide your family with money when it’s most needed, and will help them to meet their financial commitments, or perhaps even move back to their country of origin if required.

Finding the Best Expat Life Insurance Policy for You

Obviously we don’t want to dwell on things that may never happen, but by incorporating expat life insurance into your global wealth management strategy, you can relax knowing that you’ve made provisions for your loved ones.

Our independent and regulated financial advisors here in Switzerland are ready and waiting to help you with any aspect of your global wealth management strategy. We can help you find the most appropriate expat life insurance products from across the worldwide marketplace, and provide advice on any other aspect of financial planning that you may require.

So why not get in touch and ask us about expat life insurance now? Alternatively, our financial advisors are on hand and ready to help with any global wealth management issues that you may require help with.