What does it really mean to be an independent provider of financial services?
It simply means that we offer our clients an unbiased or untainted recommendation from a wide range of possibilities. An example would be; if a client needed a savings vehicle, we would find the five best and list them by cost versus choice and administrative ability before demonstrating our findings to the client in order for them to arrive at a decision. Now imagine going directly to a bank for advice on this topic, you can be pretty sure they would recommend their own accounts! Through our partnership with Inter-Alliance WorldNet a client introduced by SB Asset Management will be allocated the best terms and conditions of their chosen investment. Our volumes of business to the major providers means that you will benefit from reduced initial fees and management charges greater than those obtainable from going directly to the institutions. Put us to the test. Click here to tell us the investment you maybe considering and let us return to you with our results.

How do SB Asset Management earn their money?
After advising you and administering your desired investment choice, SB Asset Management take an introductory fee from the company you are now a client of. This fee is not in addition to fees that you will be incurring from the investment itself. This is paid to SB Asset Management by the investment company and is likely to be funded by the admin/management fees relating to the product.

Why can I not just go directly to the company?
If you went direct to the company instead of via SB Asset Management, then you would still be subject to the fees relating to the product and therefore you would not save anything. Our terms and conditions will almost certainly be the most cost effective entry into your investment choice and by choosing us as your representatives, you will gain further benefit from our ongoing customer service. (Which we trust is why you are considering using us!) Please also note that not all international investment and insurance companies, offshore banks and capital management groups have the ability to visit their clientele. In some cases, firms will only accept business from intermediaries in order to ensure their clients are kept up to date with changes to their products and services. Most are also not permitted to offer direct professional advice.

So, who do I send my money to?
Whomever it is agreed has the right product to cater for your investment need is where you will need to remit funds to. We will provide you with the banking details for the related currency for the institution involved. SB Asset Management does not at any stage handle any client funds; these are ALWAYS held directly with the institutions you invest through.

Who manages my investments?
Again the company invested in will manage your funds. This can be using internal dedicated fund managers or by outsourcing to external money/fund managers. You can choose to allow the investment company to manage your account on a discretionary basis or ask them to act only on your authorisation. As part of our interview process we will discuss these options together with you.

How secure is my investment?
We predominantly recommend companies that have a base in stable environments such as; the Isle of Man, Jersey and Guernsey. We wish to provide peace of mind by utilising jurisdictions that offer investor protection against corporate failure and fund mismanagement. We will be happy to discuss the subtle differences in legislation between the most recognized offshore centres.

Why should I not continue working with my domestic bank / investment companies?
Anyone living and working overseas for at least one full tax year may be entitled to save tax by investing offshore. So, if you are living and working overseas you have many more doors open to you. All returns from offshore investments are currently paid without a deduction for tax. Furthermore, you may also be able to reduce your tax liability in your home country by transferring savings and investments to an offshore bank.

Finally, what happens if I change residence or relocate to another country?
Regardless of your location (and relocation) in the world, we will keep in close contact with you through the normal methods of communication; phone fax and e-mail. We provide a unified service for all clients and encourage your comments for us to be able to continue and improve. For clients moving to a location where we do not yet have a physical presence, advisers based at our Customer Service Centre in Europe will answer any questions as they may arise. From an adviser perspective, it is likely that your initial adviser will always wish to retain your custom and continue an onward relationship. We will always offer you the local options available to you and allow you to decide how you wish to proceed. As the client you have the right to choose who you wish to represent your investment interests.