Global Financial Planning
For internationally mobile professionals and families, financial planning becomes more complex when your income, investments, pensions, property and future plans span more than one country.
A financial strategy that worked when you lived in one jurisdiction may no longer be suitable after you relocate, retire overseas, acquire international assets or begin earning and spending in different currencies.
Carey Suen’s Global Financial Planning service brings your financial arrangements together, giving you a clearer view of where you stand, what you want to achieve and which areas may need attention.
Your financial plan should move with you, wherever life takes you.
Who This Service Is For
Global Financial Planning is designed for internationally mobile individuals and families who want a coordinated view of their financial affairs.
It may be suitable if:
- You live outside your country of origin
- You expect to relocate again
- You hold investments, pensions, property or cash in more than one country
- You earn and spend in different currencies
- You are preparing for retirement overseas
- You own a business and need your personal and company planning to work together
- Your family members or beneficiaries live in different jurisdictions
- You have accumulated arrangements across several providers
- You want your financial and estate planning reviewed together
Why Global Financial Planning Matters
International lives often create fragmented financial arrangements.
Investments may remain in the country where they were first arranged. Pensions may be held with several providers. Insurance may no longer reflect your family’s circumstances. Your assets and future spending may be in different currencies.
Relocation can also affect your tax position, retirement plans, estate planning and the suitability of existing financial products.
Global Financial Planning helps you step back and examine the complete picture:
- What you own
- Where your assets are held
- What income you may need
- What risks you and your family face
- What you want your wealth to achieve
- Whether your current arrangements still support those objectives
What We Help You Review
We review your assets, liabilities, income, expenditure, investments, pensions, protection and existing financial arrangements across each relevant country.
We consider how your existing investments fit together, the level of risk involved and whether the portfolio still supports your income and growth objectives.
We look at when you want to retire, where you expect to live, the income you may need and how your pensions and other assets could support that plan.
We examine your current resources, future commitments and the income your assets may need to generate throughout your lifetime.
We identify where illness, incapacity or death could place unnecessary financial pressure on your family, business or long-term plans.
We consider where your assets are held and where you expect to spend your money, helping make future currency requirements visible within the plan.
For business owners, we consider how personal wealth, company value, succession planning and protection arrangements affect one another.
Where specialist tax advice is required, Carey Suen works alongside appropriately qualified advisers in the relevant jurisdiction.
Bringing Financial and Estate Planning Together
Financial planning considers how your wealth supports you throughout your lifetime.
Estate planning determines how that wealth is controlled and transferred if you lose capacity or die.
For internationally mobile families, the two should work together.
An investment or pension decision can affect estate liquidity, tax exposure and beneficiary outcomes. A will or trust may establish who should receive an asset but still leave questions about ownership, access or administration.
Bringing both sides together helps identify conflicts before they become expensive problems for your family.
Questions We Can Help You Answer
- Do my existing investments still suit my objectives and country of residence?
- How much income may I need in retirement?
- Where should that retirement income come from?
- Are my pensions, investments and estate plan working together?
- What financial risks would my family or business face if I became ill or died?
- Do I have unnecessary duplication across providers or jurisdictions?
- Which decisions require regulated, tax or legal advice?
- What should I review before relocating, retiring, inheriting assets or selling a business?
Bring the Full Picture Into One PlanIf your financial arrangements have become spread across countries, currencies or providers, the first step is to establish what you have, what you want it to achieve and where the gaps may be. Book a complimentary 30-minute call with Annette to discuss your circumstances and decide whether a Global Financial Planning review would be useful. BOOK YOUR COMPLIMENTARY CALL
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Testimonials
Consistent, predictable, and entirely outside of public markets. Annette manages this level of capital with the same personal attention she gave me when I first invested $50,000
