FINANCIAL PLANNING FOR EXPATRIATES
DS Wealth Solutions
DS Wealth Solutions is a financial planning firm created by expatriates for expatriates. We know how hard it is to find advice that works for you and financial products that fit your needs.
We work on a referral basis only.
Insurance
Health insurance can be very difficult for some clients to obtain depending on their current health condition. We specialize in recruiting the right health plan given a client’s preferred coverage and risk assessment.
Life and disability insurance are also part of a good financial plan. Are you part of the expatriate community that is denied coverage due to your country of residence? We can help. In addition to the name brand term and universal life underwriters, we can refer you to mid-tier companies that provide private placement alternatives.
Investment Management
Tired of hearing the same old advice about “investment profile” and “asset allocation”? We look for managers whose objective is absolute return regardless of market trends. We specialize in finding boutique money managers that make their clients’ money from the poor investors that are clients of large pedestrian banks and mutual funds. Come see who we deal with. You won’t regret it.
Real Estate
“They’re not making more of it”, as the saying goes, but our clients wouldn’t want to own most of what’s for sale either. We target luxury resort ownership on an affordable basis. We can recommend full ownership properties using finance, or we can source luxury accommodations on a fractional basis without finance.
For pure investors we can also recommend some development or commercial opportunities. We specialize in contacts who provide Caribbean beachfront or select European properties.
Economic Citizenship
For clients in the expatriate pre-planning process, we would be happy to assist with the acquisition of a residency permit or second passport at select locations around the world. Our contacts have experience in the Caribbean, Central America, the Middle East and Europe.
Trusts and Foundations
Estate planning is a key component to any individual’s financial plan. Common law trusts and civil law foundations play a fundamental role in estate planning and charitable legacies. We deal with both boutique trustees and foundation managers, as well as the large institutional names that most individuals recognize. Ask us about “Reserve Powers” trusts, “STAR” trusts or “VISTA” trusts. These are all specialized forms of trusts in different international jurisdictions that provide unique estate and charitable plans. Let us explore if any of these are right for you.
Tax Compliance
Through our connection with the Society of Trust and Estate Practitioners (STEP), we can recommend qualified practitioners around the world for assistance in complying with expatriate tax filing obligations in one, or multiple, jurisdictions.
Corporations and SPV’s
In the 1970s the nomenclature was “international business corporation” or “IBC”, which basically referred to a standard company with some confidentiality provisions. Now we have evolved into the “special purpose vehicle” or “S.P.V.” which can refer to a whole range of legal entities including “guarantee companies”, “segregated portfolio companies”, “limited life corporations”, and even “anstalts” and “stiftungs” These legal entities can be used in everything from simple financial plans to complex estate and tax compliant structures. Let us help guide you through the maze.
Asset Protection
As today’s world marches towards greater and greater wealth it clashes head on with more and more disputes and litigation. Unfortunately, many people who are placed in the role to judge right from wrong aren’t that good at their jobs and the odds that you will win your day in court are never better than a coin toss. If you are a high net worth individual (more than $5M net investible), let alone an ultra-high net worth individual (more than $100M net investible), you need to look at some ability to access a reasonable amount of cash that only you can get to. Speak to us. We can help.