Paul Temperton has over three decades of experience in the financial services, having acted as an economist with the Bank of England as well as being a prolific author and economic commentator. As one of Europe’s eminent economists, Paul’s attendance created an air of excitement in Frankfurt’s international and domestic community, which channelled into a vibrant, informative and highly enjoyable evening. Paul’s presentation on the global economic situation granted a degree of expertise delivered in his trademark charismatic and easily digestible style.

Speaking alongside Paul, Leighton Jones, Regional Director, Guardian Wealth Management, contextualised Guardian within the subject matter, clarifying how Guardian’s services and products can help internationals to achieve their long-term goals and secure a bright future. The evening provided an excellent introduction for Guardian into Frankfurt and an opportunity to integrate further into the international environment.

“An Evening with Paul Temperton” inaugurated a series of quarterly GWM seminars, which are hoped to bring continued value to Germany’s thriving international population. Details on further events are to be posted soon.

If you require any further information then please contact one of our advisors or visit our websites free download page for a variety of interesting and beneficial information.

Having worked for the Bank of England as a leading Economist Paul is now Vice President of European Economic Fixed Income Research for Merrill Lynch and a prolific author of many bestselling books.
Is there a safe port from the Euro storm?  Has the roller coaster stopped yet, my knuckles are hurting?  and, more sensibly, How can savers get proper returns when interest rates are so low?

These and many more topics will be covered by Paul, delivered with his trademark wit, insightful intelligence and his often alternative view on the investment world.

It promises to be an excellent evening of informative entertainment and topped off with wine and canapes.  To reserve your seat or express interest, please Click Here.

Inheritance tax and Lump Sum Death Benefit tax are not the same, although they share similarities. With standard UK personal pensions, if the member dies before taking a retirement income, or before the age of 75, no tax is due. On death after retirement, a spouse or financial dependant may be able to continue drawing a pension income, but if a lump sum is left to beneficiaries after retirement or after the age of 75, the Lump Sum Death Benefit tax of 55% would apply – although this is deducted at source by the Scheme Administrators.

Whilst UK based pension schemes fall under UK regulations and UK taxation, a Qualifying Recognised Overseas Pension Scheme (QROPS) is an overseas pension scheme. Transferring a UK pension fund to a QROPS scheme, for those who are retiring abroad, may be beneficial and more tax efficient.. It’s a great scheme with some outstanding benefits, but with strict HMRC qualifying criteria and with around 2,000 QROPS schemes currently available, choosing the right one for you can be daunting.

Although not falling under UK regulations and UK taxation, a QROPS must meet with certain HMRC requirements, one such benefit is that under certain conditions, is that the whole pension pot can be passed free of tax to beneficiaries of your choosing.

With a QROPS there is also no tax due if the member dies before taking a retirement income. However after retirement, as long as the member has been a non-UK resident for 5 complete tax years, there will also be no Lump Sum Death Benefit tax due (depending on the QROPS jurisdiction). So for certain QROPS members, even after taking a retirement income and as long as they have been living outside of the UK for 5 or more tax years, their pension pot will not be subject to the 55% Lump Sum Death Benefit tax.

If however death occurs before the full five year period, then the 55% tax may be due or if for whatever reason a QROPS holder decides to return to the UK, their pension will revert back to UK regulations.
A major benefit for any QROPS holders returning to the UK is that the 55% Lump Sum Death Benefit tax would usually be calculated from the value at the time the UK pension was initially transferred to the QROPS, so any growth achieved would not be subject to UK tax. The issue of taxation and how it relates to QROPS is complicated.

Don’t make one of the top mistakes, contact one of our financial advisors or download our free retirement planning brochure, alternatively find out everything you need to know about QROPS pensions with our free download guide.

Guardian Wealth Management would like to invite you to an evening with Paul Temperton, one of the world’s most influential financial speakers. Having worked for the Bank of England as a leading Economist Paul is now Vice President of European Economic Fixed Income Research for Merrill Lynch and a prolific author of many bestselling books.

With interest rates so low and uncertainty remaining around the future of the euro, how can you generate inflation beating returns in a market so averse to risk? Are short term investments really the way forward or can better gains be made by investing for the long term and waiting for the rollercoaster to stop before getting off?

These and many more topics will be covered by Paul, delivered with his trademark wit, insightful intelligence and his often alternative view on the investment world….!

The seminar will be held at the Kempinski Hotel in Gravenbruch, Frankfurt, starting at 6:30 and ending with canapés at 8:30.

To reserve your free seat, compliments of Guardian Wealth Management, please register your interest here.

Of interest to: Serious investors who may be uncertain of how to encourage better growth on their existing savings and portfolios.

The report indicated that women’s life expectancy has reached 88 years but many are under predicting by around 4 years, while men are under predicting by around two years to 83 years instead of the national projection of 85 years. This may leave many without enough savings or a large enough pension pot to cover their retirement.

“Fortunately, people are going to live longer than they think, but they are not planning for it, so they might find their savings and pension do not stretch far enough,” said Joanne Segars, Chief Executive of the NAPF.

Joanne also said “The report calculated that one in four may have to add at least £60,000 to their pension pot before retirement, in order to meet their expectations.”

So without delay why not conduct a health check on your finances, our financial consultants are available to help you regarding your current pension and will ensure you make the most of your savings pot.

For independent financial advice please contact one of our financial advisors or download our free brochure.

The Frankfurt office of Guardian Wealth Management will be acting as sponsors for this brilliant event which is expected to welcome around 4000 new expats through the doors, coming in search of advice and support to help them get to grips with their new life.

Welcome to our expat event!

Frankfurt is a fantastic, vibrant city and our expat event will provide a great introduction to your new home. Newcomers to Frankfurt will be able to take advantage of a wide variety of advice regarding serious issues such as education and finance, along with plenty of social advice, including insight on the best places to live, eat, drink and enjoy some entertainment and live music. There will also be an introduction into to German culture, which will help you to understand your new country of residence and settle in to your new lifestyle.

Please feel free to come along to the Guardian Wealth Management stand where you can meet three of our trusted advisors; Antony Barrows, Ryan Mayne and Peter Gollogly – who are all ready and waiting to offer their own firsthand advice on being an expat in Frankfurt. While you’re with us, don’t forget to enter our ‘business card drop’ raffle, with a fantastic price of two opera tickets and a bottle of Dom Perignon up for grabs.

Our Frankfurt advisors will be on hand to answer any questions that you might have regarding your financial affairs and this friendly expat event will also give you a brilliant opportunity to meet other expats who are new to the area.

Chief executive of Guardian Wealth Management, David Howell joins a host of business and sporting dragons in a nine-day charity expedition across Tanzania.

The challenge, run by The Dore Foundation and Engage in their future association, has offered eight students with complex emotional issues a once in a lifetime opportunity to trek across the floor of the Great Rift Valley, starting from the sacred Mount Longido and ending at the stunning 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.

“The Extreme Classroom” concept was devised and developed by Trystan Williams, Springfields Academy Principle and Jon Hamp, Vice Principal in the belief that “only by challenging students will they exceed expectations.”

A documentary by the BBC will record the highs and lows as candidates from schools within the Engage network endure the rigorous selection process.

If your living abroad adventure is taking you from the UK to a further country within the European Economic Location, your move should be fairly straightforward with regards to the legalities. If you are planning on moving to a further destination, you might want to make contact with either the British Embassy or the embassy for the country you are thinking of moving to just before you start generating any plans.

Living abroad – think before you take the plunge

Living abroad does not need to be a massive headache, but it does demand investigation. It’s best to be certain that you take a look at your intended new home at the very least once to be certain that you are following the right option. Also make sure you take a look into any related laws or customs, and take into account your spending budget and the possible currency fluctuations carefully.

If you are used to cost-free medical care, such as the NHS inside the UK, ensure that you are conscious of how the corresponding care system functions in your new country. Benefit systems, pensions and help for widows and dependents may well also differ from country to country should anything happen to you when living abroad – so organise your life assurance to ensure you will be covered in the new country, the best thing to do is to seek advice by means of an International Financial Adviser who understands your new destination. If you will be living abroad with young kids, make sure you investigate the education options as well.

As soon as you’re living abroad, what else ought you to take into consideration?

As soon as you’ve arrived in your new country, you could possibly need to apply for a residence permit and/or register with the neighborhood authorities. You should also register with your nearby embassy and organise any ID documents that you may require – you could even need to make adjustments to your driver’s license for those who intend to get or hire an automobile. If you are moving within the EEA, you might be able to organise a non-resident bank account as soon as you get there, with the alternative to upgrade to a regular bank account as soon as your residence permit has been acquired.

For those who haven’t already organised that very important life assurance, then now may be the time to do it; you ought to be able to obtain expat financial advisors in your region, or simply use a nearby service if you’re confident that they’re regulated and bona fide. If you haven’t done so ahead of the move, you should also make a will, and on a more personal level, try and find out the neighborhood language in order that you can fit in as well as possible with your new community.

Our advisors here at Guardian Wealth Management have a lot of firsthand experience of your challenges you face when living abroad – a lot of of our advisors are living as expats, so we totally realise how you really feel and also are aware of the things you need to think about. With advisors all over the world, we are able to make it easier to organise your pensions, life assurance and wills, as well as coping with matters like inheritance tax. So no matter whether you’re just thinking about living abroad, or you’ve currently on the move, feel totally free to speak to us at any time for some accurate and friendly advice.

The activity when spread trading is usually the selection of one of two factors; you could place an up bet or possibly a down bet. An up bet is also recognised as a long position or alternatively, a buy – and you will place an up bet should you think that a commodity or share will rise in value. Conversely, a down bet, sell or short position is placed if you happen to think that it will fall in value. Ultimately, you’re not acquiring a share, but rather betting on its value movement.

Spread trading – what’s the risk?

Spread trading can be a terrific way to help your other techniques of financial planning, but it’s surely not without its risks. In effect, you are gambling with your own revenue, so it tends to make sense to ease oneself into it steadily.

Each time you wish to place a bet, you should consider what level of risk you’re prepared to take. You then need to pick a sum to bet per point, which might be anything from a pound upwards.

You will also need to determine whether you desire to place your bet on a daily, rolling or contract month basis.

Choosing the length of the spread trading bet

If you pick a daily bet, it’ll automatically be closed at the end of the trading day, should you have not closed it manually before this shut-off point. You should spend more if you wish to place a rolling bet, which will continue to stay active for the next day of trading. If you choose to place a contract month bet, it’ll last for anything up to a three month period, closing on a predetermined day.

This really is just a brief look into the principal terms and idea behind spread trading; if you’d like some more detailed information then check out guardianspreadtrading.com where full explanations are covered and you could practice on the demo website without any risk.

The staff members at Guardian Wealth Management are familiar with this potentially challenging position and will be on hand to supply you with recommendations on all areas of financial planning; Spain and your new house in the sun might be much easier to acquire than it may seem!

Regardless of which part of your finances you need assistance with, we’ll be ready to supply you with helpful suggestions in a transparent and easy to understand approach. Once you’ve actually headed on to the sunshine, we’ll likewise be able to take care of your financial plans on your behalf, making certain your cash is working as hard as it can for you.

Very good financial planning puts Spain well within reach

Getting yourself ready for your retirement life isn’t as tricky as it actually looks, especially if you’ve got specialised back-up at your disposal to help direct you through the procedures. Guardian Wealth Management has advisors in inheritance tax through to pensions and will be prepared to put together every component of your financial planning; Spain could possibly be nothing but pleasure and amusement as our team will handle the hard work for you!

One main area you must be sure that you’ve got covered is your retirement plan. After spending many years paying into your fund you’d expect you’ll have a wholesome sum at your disposal to live off. But bear in mind, choosing to move to a new destination can have an unfavorable influence on that pension and you may be more well off switching your contributions into a QROPS.

A Qualifying Recognised Overseas Pension Scheme could mean that you’re not governed by the restrictions and taxes of your last abode and releases your money – ask your financial advisor to find out more. They’ll be more than glad to help!

Wherever you are, you have access to a financial advisor – Spain is just one destination we cover

Having set yourself up within your little piece of heaven, you should also bear in mind your family’s medical insurance – because, you want to guarantee that you’ll have the heath care treatment you know all your family deserves in your new home. Luckily, you can get all the support you will need from your financial advisor – Spain is among the many regions that we cover, therefore we can be on hand at the time you require us.