Your Financial Life Plan
Our philosophy is built around providing you with financial well-being and helping you to focus on the things that are most important to you. We believe you must be intentional in your planning and have true clarity on the future path you need to take to achieve your goals.
You will receive your own, highly personalized Financial Life Plan which will form the foundation of your ongoing financial planning strategy. Your Financial Life Plan will be the result of a deep collaborative process that will enable us to form the road map to achieving your life goals.
We use bespoke software and cashflow forecasting techniques to build a projection of how your financial life may unfold. This gives both perspective and direction to your financial plan and enables you to understand what is realistic and what action is necessary to meet your objectives.
Your financial plan will be fluid and adaptable reflecting real life. Our complex world is full of surprises that can test your ability to stay committed to your goals so it is essential to frequently come back to your plan and adapt it where necessary as life plays out.
We will be with you to support you every step of the way to ensure that you make the right financial decisions. Your Financial Life Plan puts you in control and gives you the clarity you need to confidently plan your financial future.
Retirement Planning
In many ways the concept of retirement as traditionally defined is no longer fit for purpose. The idea of working for a large company until an arbitrary age and then living off a company or state provided pension until you die is not realistic for most people.
Many have aspirations to leave the labour market before normal pension age or to partially retire and move to a lower intensity working life. Some strive to start their own business and others do not wish to retire at all so it is important to acknowledge that everyone has their own view of how they want to live in later life and that no single strategy works for everybody.
As well as working out what your ideal later life looks like, you must consider the risks of deteriorating health, increasing life expectancy, changes to the labour market, inflation and the likelihood that most national governments will not be able to provide sufficient pension income to their citizens in the future.
EBG International will help you understand what you need to do to build sufficient assets to match your retirement goals and then, in retirement, help you maintain the purchasing power of your money to ensure that your goals all come to fruition.
Retirement Planning
In many ways the concept of retirement as traditionally defined is no longer fit for purpose. The idea of working for a large company until an arbitrary age and then living off a company or state provided pension until you die is not realistic for most people.
Many have aspirations to leave the labour market before normal pension age or to partially retire and move to a lower intensity working life. Some strive to start their own business and others do not wish to retire at all so it is important to acknowledge that everyone has their own view of how they want to live in later life and that no single strategy works for everybody.
As well as working out what your ideal later life looks like, you must consider the risks of deteriorating health, increasing life expectancy, changes to the labour market, inflation and the likelihood that most national governments will not be able to provide sufficient pension income to their citizens in the future.
EBG International will help you understand what you need to do to build sufficient assets to match your retirement goals and then, in retirement, help you maintain the purchasing power of your money to ensure that your goals all come to fruition.
Education Planning
Your children’s education is one of the most important considerations you have as a parent. In an increasingly competitive world a quality higher education is more valuable than ever before to ensure your children have the best opportunities in life.
With university fees rising considerably faster than the rate of inflation, it is important that you start to plan for your children’s educational costs as early as possible.
We will help you to determine the likely future cost of your children’s university education and build a financial strategy to get you there.
“An Investment in Education pays the best interest” – Benjamin Franklin
Education Planning
Your children’s education is one of the most important considerations you have as a parent. In an increasingly competitive world a quality higher education is more valuable than ever before to ensure your children have the best opportunities in life.
With university fees rising considerably faster than the rate of inflation, it is important that you start to plan for your children’s educational costs as early as possible.
We will help you to determine the likely future cost of your children’s university education and build a financial strategy to get you there.
“An Investment in Education pays the best interest” – Benjamin Franklin
Protection & Insurance
Insurance is one of the easiest and most comprehensive ways to protect the things that are most important to you – your family, your home and your quality of life.
Most of us feel uncomfortable thinking about the possibility of serious illness, injury and early death but it is essential to preserve your family’s future against these unexpected circumstances.
Insurance brings the peace of mind to allow you to focus on your goals and enjoying life, safe in the knowledge that your family will always be financially protected.
Protection & Insurance
Insurance is one of the easiest and most comprehensive ways to protect the things that are most important to you – your family, your home and your quality of life.
Most of us feel uncomfortable thinking about the possibility of serious illness, injury and early death but it is essential to preserve your family’s future against these unexpected circumstances.
Insurance brings the peace of mind to allow you to focus on your goals and enjoying life, safe in the knowledge that your family will always be financially protected.
Savings & Investments
Savings and Investments are two very different elements and it’s important to understand their distinctive roles in your financial plan.
Saving is when you deposit funds in a savings account or term deposit at a bank that pays you an amount of interest. Savings should be used for known shorter term costs such as a holiday or new car. It should also be used to cover you in unexpected scenarios such as being out of work or expensive home repairs.
Investing is when you exchange your cash for ownership of assets such as stocks or bonds. The aim of buying these assets is that they will provide income now or in the future or will later be sold at a higher price. Investments are typically used to plan for goals which have a longer timeline, like retirement, and to protect your wealth against the impact of inflation.
Savings and investments are both important elements in your financial plan and we will help you to understand the role each plays and how much of your capital should be allocated to each.
Savings & Investments
Savings and Investments are two very different elements and it’s important to understand their distinctive roles in your financial plan.
Saving is when you deposit funds in a savings account or term deposit at a bank that pays you an amount of interest. Savings should be used for known shorter term costs such as a holiday or new car. It should also be used to cover you in unexpected scenarios such as being out of work or expensive home repairs.
Investing is when you exchange your cash for ownership of assets such as stocks or bonds. The aim of buying these assets is that they will provide income now or in the future or will later be sold at a higher price. Investments are typically used to plan for goals which have a longer timeline, like retirement, and to protect your wealth against the impact of inflation.
Savings and investments are both important elements in your financial plan and we will help you to understand the role each plays and how much of your capital should be allocated to each.
Estate & Succession Planning
If you wish to protect your assets and leave a lasting legacy to your loved ones you need an appropriate estate plan in place. Without one, your heirs could face huge tax burdens and the decision on how your assets are divided upon your death could be designated by the courts rather than your personal wishes.
A successful estate and succession plan can help make sure that your family is provided for after death, that taxes are minimised and that your assets are left to the people that you would wish to receive them.
EBG has extensive experience working in this area and will help you to set up a personal legacy plan that will both protect your family and the wealth you have generated in your lifetime.
Estate & Succession Planning
If you wish to protect your assets and leave a lasting legacy to your loved ones you need an appropriate estate plan in place. Without one, your heirs could face huge tax burdens and the decision on how your assets are divided upon your death could be designated by the courts rather than your personal wishes.
A successful estate and succession plan can help make sure that your family is provided for after death, that taxes are minimised and that your assets are left to the people that you would wish to receive them.
EBG has extensive experience working in this area and will help you to set up a personal legacy plan that will both protect your family and the wealth you have generated in your lifetime.
Corporate Benefits
Our corporate employee benefits advisors provide consultation to and solutions for international employers and their employees.
Attracting and retaining the best staff is something all successful businesses take seriously and the effective use of employee benefits packages is a key consideration in this.
Whether just looking for a simple corporate health insurance plan or a fully integrated employee benefits menu, EBG have the expertise and experience to help.
Corporate Benefits
Our corporate employee benefits advisors provide consultation to and solutions for international employers and their employees.
Attracting and retaining the best staff is something all successful businesses take seriously and the effective use of employee benefits packages is a key consideration in this.
Whether just looking for a simple corporate health insurance plan or a fully integrated employee benefits menu, EBG have the expertise and experience to help.