LS Wealth Management supports clients in range of ways including accumulating, enhancing and preserving wealth for future generations.
Our processes and advice is based on a key key principles:
- We offer a high standard of wealth management and financial planning services
- Our strategies secure the financial position of clients for the future and also offer them the well balanced plan of risk and returns
- All of our decisions and wealth management plans are initiated only after the client is thoroughly informed
LS Wealth Management Services Include:
Financial Planning & Policy Rebalancing
Clients can transfer to LSWM with existing policies, our team can review the performance, suitability and risk levels of underlying holdings, rebalance portfolios, assess capital & assets held and complete a comprehensive fact find, budget calculation and retirement plan overview.
Fixed Income Investments
LS Wealth Management works with an AM Best “Excellent” Rated insurance & investment providers offering clients a fixed income portfolio that is an excellent compliment to a diversified mutual fund portfolio, giving fixed income returns on regular or lump sum contributions made to the policy.
Best suited for short to medium term investors as an alternative to bank deposits, it is a low risk* investment allocation in your overall portfolio, interest rates start from 3.25% per annum. Investments terms are available on either a fixed rate for 3, 5, 7 or 10 years OR on at a variable rate for 15 years in USD.
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We also work with a well-regulated financial centre in the Isle of Man (a highly secure and stable political and economic environment) to provide clients with access to offshore accounts where deposits are secured up to 50,000 GBP.
Clients can opt for the use of Fixed Term Deposit Accounts which are available in GBP and USD on 3, 6 or 12 month fixed terms with a minimum deposit of 10,000 GBP.
The International Savings Accounts available in GBP, USD & Euros earning up to 4% interest on savings held from 36 to 396 days - flexible depending on individual cash access needs.
Pension Review/Analysis
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Retirement Planning
We can conduct a holdings performance analysis on SIPP pension scheme policies to ensure clients have a clear and realistic picture of their income options as they reach retirement age and advise on the necessary changes required to secure income needed later in life.
LSWM can also make suitable referrals and introductions to third parties if/when clients require tax advice based on their country of residence at time of retirement.
LSWM can also make suitable referrals and introductions to third parties if/when clients require tax advice based on their country of residence at time of retirement.
Inheritance Tax (IHT) & Estate Planning
Is it important to remember that even clients with ex-pat status are not immune from tax that faces their beneficiaries when they die
and regardless of nationality it is likely that on death, worldwide assets will be taxed.
For most this is a voluntary tax which can be managed through effective planning and remove excessive burden on loved ones.
LS Wealth Management can support clients to plan for liabilities and present options for best ways to mitigate it, ensuring sufficient legacy planning for future generations.
(LSWM are not tax advisors, clients must seek individual tax advice for their jurisdiction & circumstances from a qualified individual)
and regardless of nationality it is likely that on death, worldwide assets will be taxed.
For most this is a voluntary tax which can be managed through effective planning and remove excessive burden on loved ones.
LS Wealth Management can support clients to plan for liabilities and present options for best ways to mitigate it, ensuring sufficient legacy planning for future generations.
(LSWM are not tax advisors, clients must seek individual tax advice for their jurisdiction & circumstances from a qualified individual)
Offshore Trusts & Company Formation
For some clients the use of Offshore Trusts and Companies may be an effective personal tax planning route or provide options to remain living and working offshore after the end of an employment or visa contract - the incorporation of an offshore entity can enable the owner to be more flexible in their career plans.
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Whilst traditionally, the Offshore Advice arena has focussed on Mutual Funds and Structured Notes pretty much exclusively, there is a World of alternative options, on which LS Wealth Management are here to advise.
To name but a few, our alternative investment options include: Real Estate Investment Trusts (REITS) Exchange Traded Funds (ETF’s) Investments in dividend paying stocks (Shares) Investments in newly formed Companies listed on the Alternative Investment Market (AIM) |
Open Architecture & Lump Sum Investments
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Many clients have, over the years, built up savings in various places.
What they need is to have them not only in the right place but also in the right jurisdiction and structure, not only for growth potential but also security. LS Wealth Management welcomes the opportunity to discuss this with those who are in this position and look at a range of “tailor-made” solutions. |
Regular Savings Plans & Education Savings Schemes
Whether it is saving for your retirement, your children’s education, building your legacy or becoming financially secure, saving regularly can help you achieve your dream.
Saving regular amounts every month is a reassuring way to plan for the future.
Whatever you are saving for, there are savings solutions that have flexible structures and features that can meet your needs:
Available in USD, GBP, and EUR
Investment terms from 5 to 25 years
Minimum monthly contribution amounts from as low as 200 USD/GBP per month
Access to a wide range of mutual funds from top asset managers
Loyalty bonuses available on contributions
Starter bonuses and additional allocations
Free fund transfers
Wills, Probate, Trust & Wealth Protection
We provide our clients with a personalised Will writing service, taking into account your specific wishes for nomination of beneficiaries as well as factoring in estate and IHT planning.
We work in partnership with regulated bodies to provide promptly drafted single and joint Wills and can factor in the value of
your estate which providing steer on your IHT liabilities.
We work in partnership with regulated bodies to provide promptly drafted single and joint Wills and can factor in the value of
your estate which providing steer on your IHT liabilities.
Offshore Bank Accounts & Currency Exchange (FX) Accounts
LS Wealth Management has relationships with well-established international banks based in the Isle of Man who can provide secure multi-currency accounts for clients living offshore as well as access to debit cards, 24-hour only banking and transfers with a dedicated customer service team.
Clients are able to set up multi-currency accounts consolidated in one place allowing access to cash when working or travelling abroad and unlimited access to foreign exchange for international payments and transfers.
These banks also provide fixed interest savings plans that have more favourable rates of return than a typical current account or ISA and can be set up to receive regular incoming premiums and make outgoing payments.
This works well for clients who are earning a tax-free salary in a foreign currency but wish to retain savings and investments in their home/base currency - especially when coupled with one of our recommended providers of currency exchange (FX) accounts.
Clients are able to set up multi-currency accounts consolidated in one place allowing access to cash when working or travelling abroad and unlimited access to foreign exchange for international payments and transfers.
These banks also provide fixed interest savings plans that have more favourable rates of return than a typical current account or ISA and can be set up to receive regular incoming premiums and make outgoing payments.
This works well for clients who are earning a tax-free salary in a foreign currency but wish to retain savings and investments in their home/base currency - especially when coupled with one of our recommended providers of currency exchange (FX) accounts.
Life, Critical Illness & Disability Insurance
It is important to have peace of mind in life, for yourself and for your loved ones.
This is especially true when living offshore, preparing for retirement or planning for the futures of friends and family.
LS Wealth Management has established relationships with insurance providers to ensure you have contingency plans in place to prepare against financial loss, death,
medical difficulties, accidents or inability to work.
This is especially true when living offshore, preparing for retirement or planning for the futures of friends and family.
LS Wealth Management has established relationships with insurance providers to ensure you have contingency plans in place to prepare against financial loss, death,
medical difficulties, accidents or inability to work.
Mortgages, Refinancing, Buy-to-Let, Commercial & Residential Property Investment
LS Wealth Management are proudly affiliated with specialist international mortgage brokers who offer a wide range of funding and lending options to broker services to expatriates, British and foreign nationals who are interested in buying or refinancing residential/owner-occupied, buy-to-let, commercial and investment properties.
As a client of LS Wealth Management who may be interested in mortgage and financing advice, we will be there alongside our affiliates to offer support from the beginning to the end of the application process.
Accountancy & Tax Consultancy Referrals
LSWM are able to provide clients with access to independent personal wealth, corporate and trust service providers as well as accountancy firms for trusted and personalised support if and when they are in need of tax status verification and any tax related issues or queries.
Our team liaise with providers to source the right experts for your requirements and act as intermediary to ensure the correct investments, holdings and asset analysis and actions are in place to support advice received.
We will be with you throughout the process as intermediary and turn feedback into actions to meet your needs.
Our team liaise with providers to source the right experts for your requirements and act as intermediary to ensure the correct investments, holdings and asset analysis and actions are in place to support advice received.
We will be with you throughout the process as intermediary and turn feedback into actions to meet your needs.
International Passports & Relocation
For international clients who have worked and lived offshore for a number of years, the prospect of returning to, retiring in or raising a family in your home country is not a feasible or attractive option for many reason.
Whether it be economic instability, the cost of living, the quality of life style, access to education and healthcare or anything else - many clients decide that a new country or region better suits their needs.
LSWM can provide clients with options to obtain residency, citizenship or property in alternative locations.
Whether it be economic instability, the cost of living, the quality of life style, access to education and healthcare or anything else - many clients decide that a new country or region better suits their needs.
LSWM can provide clients with options to obtain residency, citizenship or property in alternative locations.
For more information or a consultation, please use our contact form or email us: enquiries@leadsolutionss.com
