Personalised Wealth Strategies
One coordinated plan across every country you hold assets in — objectives first, products last, reviewed as your life changes.
A personalised wealth strategy is one written plan covering every country you hold assets, income or family in. ASJ Group maps your balance sheet, income sources, pensions, policies, entities and liabilities into a single picture, then models the cashflow and tax consequences of the decisions in front of you — relocating, selling a business, retiring, funding school fees, or passing capital down.
Products come last. Most cross-border clients arrive with an accumulation of accounts, wrappers and policies bought in different countries at different life stages, none of which were designed to work together. We start from objectives, currency needs and residency, and only then decide which of the existing arrangements to keep, restructure or exit.
The output is a document, not a portfolio pitch. Every recommendation carries its rationale, its total cost, its tax treatment in your country of residence and the circumstances that would make us change it. Any product remuneration is disclosed before implementation, and ongoing trail or retrocessions are offset in your favour.
Scope of engagement
- Cross-border cashflow modelling
- Currency and domicile aware
- Reviewed annually in writing
Typical clients
- Expatriates and internationally mobile professionals with assets in two or more countries
- Business owners planning around a future sale or dividend policy
- Families relocating who need their plan re-tested against a new tax residency
- Clients holding legacy offshore bonds, pensions and policies that were never coordinated
A named director on the file, from first call to handover.
Objectives, timelines, currencies, family position and risk tolerance recorded with a director.
Every asset, pension, policy, entity and liability consolidated into one cross-border balance sheet.
Cashflow modelled to and through retirement, with options compared in writing on cost, tax and flexibility.
Agreed actions placed through independent regulated counterparties, then re-tested annually.
What you receive.
Every engagement closes with a director-signed handover pack — retained on file for thirty years.
- Consolidated cross-border balance sheet
- Written strategy memorandum with modelled scenarios
- Cashflow and currency projection to and through retirement
- Recommended actions with costs, tax treatment and trade-offs
- Annual review and updated documentation
Jurisdictions in active use for this service.
Questions we hear on every intake call.
- How is this different from what a bank offers?
- A bank's proposition begins with its own products. Ours begins with your objectives and ends with whichever independent manager, platform or insurer fits them — including options that pay us nothing.
- Do I have to move my existing investments?
- No. Part of the review is deciding what to leave alone. Exit costs, tax on disposal and existing guarantees are all weighed before recommending any change.
- What if I move country again?
- That is expected. The strategy records which recommendations are residency-dependent, so when you relocate we re-test those specific items rather than rebuilding from scratch.
- How are you paid?
- Through commissions and charges built into the products and portfolios we recommend. There are no fixed fees or hourly charges. Every product's costs and any intermediary remuneration are disclosed before implementation, and ongoing trail or retrocessions are offset in your favour.
Start with a twenty-minute call. Leave with a written scope.
Every engagement begins with a director — not a junior, not a chatbot. Fixed fees, quoted in writing, before any work begins.
More on wealth & related work
Asset & Portfolio Management
Discretionary and advisory portfolios via independent managers — multi-currency, with total cost of ownership and any intermediary remuneration disclosed.
Retirement Planning
Retirement provision for globally mobile clients whose pensions, employers and tax residency span several countries.
UK Pension Transfers (SIPP / ROPS)
An options review for non-UK residents: leave it in the UK, move to a SIPP, or transfer to a ROPS — with the trade-offs written down.
Every engagement begins with a twenty-minute director-led call. Fixed fees, in writing, before any work begins.