Services include...

• Business Protection
  You may have built up a successful business, but could it survive if you or another key person were to die suddenly; and how can your capital be extracted when you retire?
  
  Candour advises on business related schemes - partnership protection, shareholder, and key person assurances - which can protect you, your family and the business itself
  

• Estate Planning
  Inheritance Tax comes into effect once your assets exceed the `nil rate band` – a situation which more and more people are finding themselves in. Inheritance Tax not only affects parents looking to leave their estate to their children but transfers between spouses of different nationalities.
  
  Candour will assess your potential liability in the light of existing plans, including your Will. If required, we will then recommend affordable plans to reduce the burden on your family.
  

• Financing Education
  Whether or not you opt for private education, the need to save for a child's university costs should not be left too late. Impartial financial advice may help ease the burden of rising university fees and may even make private education an affordable option.
  
  Candour will help you manage your family resources effectively, to give your children the start in life which only the best education can provide.
  

• Healthcare
  Choosing private medical insurance, unlike some forms of insurance, is not an annual exercise, but should be considered as a long term decision as it is almost impossible to move from one provider to another without the risk of accumulating medical exclusions with each move.
  
  Candour advises on the personal private medical insurance policies through all the major insurers and offer impartial advice on the best scheme to suit your personal needs.
  

• Mortgages
  Candour has access to all the major mortgage lenders in the UK, Europe, Australia, North America and the UAE. We will source the entire market to find the very best mortgage deals available to you.
  

• Offshore Banking
  Choosing an offshore bank account is not as easy as one might think. The choice of accounts on offer expands each year, with new products regularly entering the rapidly maturing sector.
  

• Offshore Companies
  More and more people are choosing to hold assets such as property in an offshore company. Candour will advise on all the options available to you and the benefits of each.
  

• Protection
  Safeguarding your future income against accident or sickness and providing financial protection against a critical illness or death can too easily be postponed. Unfortunately, if the unexpected happens to you it is too late.
  
  Candour can advise on ways to provide protection for your family and income, including products such as life assurance, critical illness cover, and loss of earnings.
  

• Retirement & Pensions
  The subject of pensions is increasingly complex and sound advice can enable plans to be laid for a prosperous retirement; however far away that time may be.
  
  Candour will guide you through the pensions maze, develop a strategy for retirement, and help you build up and manage your savings and investments before and after retirement.
  

• Savings & Investments
  Together with an improved lifestyle, the reason most expatriates move `offshore` is to build up their savings and, once accumulate, manage their wealth tax efficiently.
  
  Candour offer advice on a wide range of bank accounts, regular contribution savings plans and investments. Our consultants will walk you through the process of building up, and managing, a broadly based savings or investment portfolio.
  
  Advice is also given on a wide range of tax-efficient wrappers designed to hold a portfolio of assets to protect your hard earned savings from the taxman.
  

• Tax Advice
  Many expatriates fall into the trap that, because they live in a tax free environment now, they do not need to worry about tax. However, without careful planning, all the assets they have built up could be seriously eroded when they return home, retire in the sun, or die. Candour are happy to advise on the potential tax liabilities that will directly influence both your current and future plans and build a coherent strategy to mitigate tax accordingly.
  

• Trust Services
  Long gone are the days when trusts were the reserve of the wealthy and the elite. With house prices and investments generally growing at a far quicker pace than tax allowances and `nil rate bands`, the use of a trust to protect your assets and legacy should now be considered by all.