It starts with an audit of the investor’s current financial situation: a complete analysis of the assets and liabilities. The diagnostic allows to point out the potential disparities between the investor’s objectives and the current structure of their estate. The diagnostic might also be a good opportunity to optimise the tax/fee structure. Lastly, a plan is proposed to align financial objectives with estate goals.
Tax is a complex issue but an essential tool in wealth management. It is important to optimise your tax spend depending on which jurisdiction you come from. Having the right financial partner also allows to avoid potential issues with tax regulators. At Bluestone Wealth we surround ourselves with tax experts, each with their own Jurisdiction expertise.
Planning a succession is an important step that requires preparation during the investor’s active life. This is closely linked to tax planning and helps to anticipate issues that could arise in the future, especially in the case of reconstituted families.
Portfolio management forms part of the action plan and acts mainly as a diversifying tool. For example, Real Estate investments can be lucrative but have their limits, liquidity being one of them. Therefore, having some wealth invested on financial markets provide options for growth and/or income, all while having access to funds at any point in time and quickly. A portfolio can also act as a guarantee for Lombard Loans.
Once the risk profile has been established, we build the asset allocation to optimise the risk/return trade off. This allocation evolves depending on financial market conditions but also considers how the investor’s profile changes over time.
At Bluestone Wealth we do not believe in ‘one size fits all’ investments. We focus on delivering a personalised service where the individual is at the heart of every decision we make.
Entrepreneurs often struggle to differentiate their personal and corporate wealth. It is a complex exercise in which an independent adviser helps the entrepreneur to focus on the development of their business while their personal wealth is being taken care of.
We accompany entrepreneurs who wish to relocate to Mauritius. Mauritius is a country with an attractive fiscal environment, as well as government support across various industries to attract foreign investors. We surround ourselves with relocation experts in whom we trust can deliver sound advice.
Our Investment Philosophy is centred around providing the best advice for our clients’ long term investment needs.
The relationship begins here. We conduct an analysis of your global wealth, draw a diagnostic, and define your overall risk profile together.
Depending on the financial goals and the defined risk profile, we make a proposal to answer all the objectives previously discussed.
It is important to make sure that the structure of the estate is properly optimised from a fiscal point of view for a potential succession.
Investments, whether tangible or intangible should meet a risk / return objective. Our role is to optimise the latter.
A thorough process is applied to build the portfolio. Our investment team meets on a regular basis to discuss potential changes depending on market conditions.
On-going communication. The objectives can be reviewed depending on the situation at the time (age, approaching retirement, children going to university…).