Our clients are typically Foreign National Professionals living and working in the UK. However our expertise applies equally well to those individuals living or working temporarily abroad.

In addition we can help with foreigners living back home who have assets based in the UK or in the Channel Islands .

We are not focused on net worth of individuals nor on how much nor how little they are earning – it is really about optimising each financial situation so that maximum advantage is taken of current opportunities. Typical case studies of the clients we deal with would include the following:

Case Study 1

James, a 32 year old South African, has been working for a bank in the UK for the past 2 years. Although he is in the financial sector he never finds the time to sort out his own finances. James receives a salary of £100,000 plus a bonus of up to 50%. His work takes him abroad frequently and he has managed to save £100,000. James approached Sable as he heard that they could advise him on optimising his current financial position.

Benefits gained after speaking to Sable:

• James reduced his income tax considerably as he was deemed to be Not Ordinarily Resident. All duties performed outside the UK during this period, resulted in tax free earnings.
• Sable invested his savings into a diversified portfolio of equities, property, bonds and cash. The investments were structured tax free through an offshore trust to maximise his Non-Domiciled status in the UK.
• James purchased an Income Protection policy to cover himself in the case of a serious illness or disability. The policy was carefully chosen such that it would continue to cover him in case he went back to South Africa.
• Sable set James up with an Offshore Account that paid him interest tax free.
• James received a full Financial Plan that created a picture of how his financial situation would progress though life.

Case Study 2

Kelvin is a retired business man living in South Africa. He previously owned a very successful import company and as such built up an asset base in an offshore trust, currently valued at £500,000. He has approached Sable to advise the trustee's on a suitable offshore investment portfolio that meets the needs of the beneficiaries.

Benefits gained after speaking to Sable:

• The current expensive and unnecessary offshore bond wrapper was unwound.
• A well structured diversified portfolio consisting of all the major asset classes (equities, bonds, cash, hedge funds and property) as well as covering the major world markets. The asset mix was specifically tailored to meet the risk requirements of the future beneficiaries.
• Sable setup a cost effective portfolio management process with simple clear reporting and benchmarks in place. The time spent by trustee's on these tasks was minimised and therefore the annual trust fees were reduced.

• Sable recommended a change to the bank account in the trust so that the cash assets are returning a rate above that of the base rate.
• The Trustee's received a comprehensive Investment Report that summarised all the requirements, investment approach and suggested portfolio.