Wealth & Investment Services. Explained before anything is built.
Investment strategy, portfolios, retirement and pension transfers, education funding, protection and inheritance tax planning for internationally mobile families.
Wealth planning is what happens after the structure exists. Once companies, trusts and banking are in place, the question becomes how capital is invested, how retirement is funded, how school fees are met and how the estate passes on without an avoidable tax bill.
ASJ Group coordinates that planning for clients whose lives and assets span more than one country. Investments, pensions, protection and succession are brought into a single written strategy rather than a collection of unrelated products bought in different jurisdictions.
Wealth management is funded by the products and portfolios we recommend, not by fixed fees or hourly charges. Every product's charges and any intermediary remuneration are disclosed before implementation, and ongoing trail or retrocessions are offset in your favour.
The decisions that make this category work in practice.
Objectives before products
Cashflow, timeline, currency and risk tolerance are modelled first; investment vehicles are chosen last.
Cross-border by default
Residency, domicile, reporting-fund status and treaty position shape every wrapper and platform recommendation.
Independent and disclosed
Portfolios and policies are placed with independent, regulated managers and insurers. Total cost of ownership is written down before you commit.
Reviewed, not filed
Strategies are re-tested annually and whenever residency, family or liquidity circumstances change.
Choose the specific service.
Personalised Wealth Strategies
One coordinated plan across every country you hold assets in — objectives first, products last, reviewed as your life changes.
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.
Global Investment Platforms
Offshore and onshore investment accounts, wrappers and custody arrangements that match your residency and reporting position.
Education Fee Planning
Funding international school and university costs across currencies without disrupting the wider structure.
Insurance & Protection
Life, critical illness, income protection and key-person cover placed for expatriates and cross-border families.
Inheritance Tax Planning
IHT and estate-tax exposure mapped across jurisdictions, then reduced with gifting, trusts, insurance and domicile planning.
A full category page, then a full service page — built for readers and search engines.
Assets, pensions, policies, liabilities, residency and family objectives are mapped in one picture.
Investment, retirement, education, protection and succession options are compared in writing with costs and trade-offs.
Portfolios, wrappers, transfers and policies are placed through independent regulated counterparties.
Performance, tax position, contribution levels and estate exposure are re-tested each year.
Questions clients ask before choosing a route.
- Do you manage money yourselves?
- No. We design the strategy and select independent regulated managers and custodians to run the mandate, then monitor them on your behalf.
- Should I transfer my UK pension?
- Sometimes. Leaving it in the UK, moving to a SIPP or transferring to a ROPS each carry different tax, charge and flexibility outcomes. We compare all three in writing before any advice is implemented by a regulated adviser.
- Do you take commission on investments or insurance?
- Wealth management is funded through the products and portfolios we recommend. Any commission, trail or retrocession is disclosed before implementation and offset in your favour. There are no fixed fees or hourly charges.
- Can this be coordinated with my trust or company structure?
- Yes — that is the point. Wealth planning sits alongside our structuring, banking and mobility work so the investments, estate plan and entities agree with each other.
Start with the category. Leave with the right service path.
We will confirm whether you need a single service, a wider structure, or a staged implementation plan before any fee is agreed.