"Who are you?"

Essential Finance is the leading online resource for investments, medical/life insurance and financial planning for expatriates. We offer better value, better products and better service. All of our principals are expatriates - seasoned investment professionals with many years of experience under our belts. That's why we understand completely the special challenges expatriate life poses in terms of planning ahead, and why offshore investment is the ideal solution for executives on the move. We offer you a unique opportunity to take control of your investments, strictly on your own terms. With Essential Finance a secure future is just a few clicks away.

"Who do you do?"

Essential Finance offers a wide selection of regular investment vehicles (i.e. savings, education, retirement etc.), portfolio bonds and insurance (life/medical/income protection). Our expert management and support services can help you plan, action, manage and develop a portfolio to meet your requirements, both now and in the future.

"How are you different?"

The beating heart of our operation is a non-intrusive platform where you can view and compare an unrivalled choice of award-winning products from leading financial institutions at your leisure. There's no pressure and no cold-callers hyping products you don't want. It costs you nothing to become a member, and unrestricted access to information means you can make informed investment decisions based on the merits of a product, at a time and pace that suits you. If you want advice, we're right there, online in real time, by telephone, skype or face-to-face. Essential Finance is the world's first comprehensive online resource connecting you to all the privileges and benefits of offshore investment. We plug you in to the best products and services, at the best value, so you stay informed, independent and in total control. Seamless wealth management is now literally at your fingertips.

"Why should I invest offshore?"

Offshore investments are based in locations that, due to the absence of tax liabilities, will provide a higher return than an equivalent investment held in a conventionally taxed environment. As such, money that would ordinarily be removed in taxes remains in the investment and continues to grow.

"How am I protected?"

All investment agreements and transactions are directly between the client and the relevant financial institution. The companies with which we deal are market leaders, invariably over 100 years old, and based in tax-efficient locations that provide worldwide investor protection. One such location is the Isle of Man, which is renowned for security, stability and protection. As a British crown dependency the Isle of Man has enjoyed the stability of its own government for over 1,000 years, and boasts the world's longest established parliament. The Island's Insurance Act ensures that authorised insurance companies have sound and professional management and that the interests of policyholders are protected. The Isle of Man has received the coveted AAA credit rating from both Standard & Poor’s and Moody’s.

"What is financial/wealth planning?"

Financial planning means setting, and reaching, your investment goals to secure the lifestyles you deserve. An organised determination of your financial position, future needs and goals is one of the first and most important steps towards becoming financially secure. A complete assessment of your financial and economic requirements, visions, ideas and fears is vital towards determining the direction to take your investment interests. The strategy will integrate you or your family's financial goals, including risk management, investments, tax planning, retirement planning, and estate planning. Wealth Management is the next step in financial planning. It brings together all aspects of your financial life into a single plan - from investment advice to estate planning to long term insurance, trusts and tax planning.

"Do I save enough to use your services?"

Investing offshore is very affordable. Regular savings plans start from only US$300 per month and lump sum investments from US$15,000.

"How do I get started?"

In order to understand which product and services are best for you, you must first know your investment goals and how they fit into the overall picture.

You can start this process by completing our highly acclaimed MoneyMap > click here.

Alternatively you may contact us to arrange for a chat by telephone, skype or face-to-face > click here.

"There are so many advisors out there. Why Essential?"

Today’s expatriate professionals are typically on the move from country to country during the course of their work. The biggest concern for most is how their investments will be managed in the future. Things WILL change in your life, so how’s your advisor going to know about those changes if you’re in different countries? Because all information and services are accessible online, Essential removes all geographical borders. That means that we can look after our clients wherever they are today, and wherever they might be in the future.

"So what do I get with Essential?"

• Interactive financial planning tools allowing you to calculate your requirements for retirement, kids’ education or other significant
  purchases.
• A profile on MoneyMap (click here) where you can list your assets, liabilities, goals and objectives. You can save and update your profile at any time.
• Comprehensive information on leading investment products with the facility to compare them side-by-side.
• Qualified, impartial advice available via email, phone, skype or face-to-face.
• Active investment management (AIM) that automatically switches your funds in line with a consensus of expert opinion. AIM has outperformed the S&P500, FTSE, Hang Seng, Nikkei and World Index since launch.
• Instant valuations available online, 24/7.
• Regular reviews to ensure that you remain on target to achieve your objectives.
• Unparalleled value for money and peace of mind.