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A Game Changing Approach to Offshore Wealth Management
It seems that just about everyone you meet these days is a Financial Adviser, especially when you are an expatriate. All of them purport to be independent and to be able to save you thousands of dollars in tax and promise outstanding investment performance. Sadly, the vast majority of these so-called advisers are, in fact, no more than “commission-driven” salesmen who have little, if any, financial training and are actively encouraged to sell the product that offers them the most commission rather than the one that is most suited to your needs.

Commission levels are huge compared to the UK. A lump sum investment into an insurance-linked single premium portfolio bond will typically generate 7% in upfront commissions from the insurance company and a further 5% in “soft commissions” from the underlying investments, add to that a 1.5% management fee, and your adviser will earn 13.5% in year one. Furthermore, each time your adviser recommends a change in your portfolio there is a potential to earn further “soft commissions” averaging 4% per trade.
Clients investing on a regular basis fair no better, as a 20-year offshore pension plan will pay the adviser 84% of the first year’s premium, a 1% pa portfolio management fee, and again offer the potential to earn soft commissions on the underlying investments.

ICHOR Partners

We estimate that there is in excess of USD45B currently held in these offshore insurance products and have developed a ground breaking Forensic Wealth Management model that focuses not on the sale of new products but on the effective management of a customer’s existing plans, that in turn reduces ongoing costs and increases investment returns.

Once becoming a client of ICHOR Partners you can rest assured that all investment advice given is based on achieving your financial goals and not on generating commission, as all of our staff are salaried professionals.

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Identify areas of concern within the financial services market. Highlight products and services that have been mis-sold by Expatriate Financial Advisers and reveal all commissions at all levels.
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Improve clients’ investment returns by reducing fixed costs, removing unnecessary fees and providing institutional discounts on all future transactions.
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Inform clients of the fees, charges, penalties and commissions that are imbedded in their existing products and introduce them to the ICHOR Proposition.
Recent Publications
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QROPS Recovery Plan: Have you been unfortunate enough to entrust the management of your pension assets to a so called financial adviser with no investment knowledge or experience? If so arrange for an independent review today.
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(Barbarians) Advisers at the Gate: Essential reading for those of you currently employing the services of a financial adviser or considering doing so.
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Regular Savings SURVIVAL GUIDE: The salesman's favourite as they generate the highest commissions. Looks at the relationship between contract term and commission paid, the impact of initial units and explores the opaque world of Mirror Funds.
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Personal Portfolio Bond SURVIVAL GUIDE: A detailed look at the Personal Portfolio Bond (PPB), the charges and fees levied by traditional advisers, the effect of “soft commissions” on your investments, and the remedial action you can take to recoup these costs by reducing ongoing fees.
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Savings Recovery Programme: Shorten the term, remove exit penalties, mirror funds and initial units and release the full potential of your regular savings plan.