I’m well on the way to completing my fourth decade in the industry. Most of this time has been spent in Hong Kong, where I’m based now, although my formative years in financial services were enjoyed in UK & Channel Islands working as a Manager within Lloyds Bank Group.
Our clients welcome the holistic-view (full & comprehensive) approach taken when reviewing their particular financial, protection and wealth accumulation needs. There are myriad options available and a world of choice and it is difficult sometimes to be able to filter through all possibilities, particularly with the advent of the web. While access to almost everything has never been easier, being for the most part instantaneous and at your fingertips on your mobile phone, one of the consequences of the WWW has been the breath-taking explosion of offerings & opportunities (with ever more mystifying underlying financial structures). It makes you wonder what else is going to be dreamt up in order to confuse people. As fast as you can retrieve information more is being added daily. This is where my expertise lies, in narrowing down the options to the best of the best, cutting through the jargon, keeping it simple & empowering clients to make well-informed life-long decisions that will change lives.
Of course, everyone’s situation is unique and this is clearly reflected in our approach identifying and prioritising critical needs each with their own individual crafted solutions.
You are most welcome to check-out my pedigree, including Associate of the Chartered Insurance Institute (“ACII”), Chartered Insurance Broker, HK Insurance Authority Authorised Chief Executive, HK Mandatory Provident Fund Licenced Responsible Officer and HK Securities & Futures Commission Licenced Responsible Officer for Securities Investment Adviser & Discretionary Investment Management. It’s important to balance paper qualifications with experience and integrity, and my colleagues, competitors and clients will tell you I have plenty of both.
In addition, please do review our testimonials to see what exactly our clients think of us. Get connected with one or more if you have time and speak to them directly yourself. Some have been able to retire after working with us for just 10 years. When a client tells you, "Well there's another US$ 500,000 I wouldn’t have had if it weren’t for you guys”, it reinforces & encourages our strategic thinking, comfortable in the knowledge that we are getting things right and ‘on-the-right-track’. Every-time the phone rings we greet it with the enthusiasm it deserves giving us the opportunity to help someone hack through this ever more complex financial world.
Everyone’s situation is unique, and this is clearly reflected in our approach identifying and prioritising critical needs each with their own individual crafted solutions.
There are myriad options available and a world of choice and it is difficult sometimes to be able to filter through all possibilities, particularly with the advent of the web. This is where my expertise lies, in narrowing down the options to the best of the best, cutting through the jargon, keeping it simple & empowering clients to make well-informed life-long decisions that will change lives.
We should all be saving at least some of our hard-earned cash in the most effective manner. Ernest Maude represents all the leading providers of offshore savings accounts, not just pensions. The recommendations of our Account Managers are dependent on your overall objectives, age and working years remaining.
A financially stable retirement should be a key priority for all of us, but many people fail to recognise the impact a gap in pension provision can create. You may feel secure in that your pension is 'on track'. Our Advisors can carry out a 'pension health check' to ensure that your future standards of living are not jeopardised.
Living and working abroad can offer significant attractions - higher salaries, favorable tax environments and other fringe benefits. However, away from the disciplined framework of a home country pension scheme, a potential shortfall in future benefits can easily occur. For example, GBP1000 today will be worth GBP456 in 20 years at only 4%pa inflation. Delaying the commencement of your plan by just one year will cost you approximately 15% of your overall retirement fund.
Contact me or request a call back for further advice.
Most people prefer not to think about unexpected catastrophes. It is always seen as something that happens to others. However, as we all know, it is all too common, especially for the International Expatriate in Asia.
At Ernest Maude, we are not looking to sell Insurance to those who do not need it. However, as responsible financial planners, we will review your current arrangements and help identify any potential problems, which you or your family may face.
Protection can take many forms, some obvious and well known and others which may be new to you. Life Insurance, for example, is used to provide a cash sum on the death of an individual. Do you have dependants? If so, they would surely benefit from some financial assistance to help in this difficult time.
There are also “living insurances”. Income Protection, Critical Illness Cover, Medical Insurance. For example, more than 1,700,000 people in the United Kingdom are currently unable to work for more than a year through illness or injury. For people working and traveling in Asia, the risk of contracting a serious, debilitating illness is considerably higher.
At a meeting with one of our Account Managers, they will help you to work out the insurance cover which you currently have, personally, or through your Company. What is it? What does it do for you? When would it be available? Then identify any shortfalls and provide recommendations for you to consider.
Contact me or request a callback for further advice.
Originating in Hong Kong, Ernest Maude is an independent financial advisory company based on family values. We provide tailored financial advice, as well as health and travel insurance, for both individual and corporate clients backed up by more than 85 years combined experience.
We have a team of Partners and Consultants who excel in their profession. Due to their extensive experience and training they are able to provide advice on all areas of personal financial planning, savings, investments, property, protection and general insurance. They understand the needs and objectives of our clients and through regular contact build long lasting, mutually beneficial relationships with them.
We believe that as general practitioners we should consult our clients, investigate circumstances and, when appropriate, recommend specialists so that we can provide the best independent advice possible. We take into consideration the entirety of a client's financial situation, both present and future. When the client receives completely inclusive or holistic advice, they are far better able to make decisions that ensure that their total objectives are obtained.
We are immensely proud of our reputation and believe that integrity and professionalism are integral to the performance of our company. We look forward to making use of our experience and skills to help you plan for the future for you and your family.