Credenda Associates – Boutique Financial Advisory Group

Financial Advice for expats since 2005

Credenda Associates is a boutique financial advisory group serving the expat community since 2005. The senior management operate from their Bangkok offices in the Asoke area and have both UK and French consultants ready to assist you in all aspects of financial planning. We offer a totally free financial review whereby we can see where you are today and where you wish to be in the future and of course seeing if you are on track to achieve this.

About Us

Pour la communauté française, si vous avez besoin de conseil financier ou conseil en assurances de toutes sortes, n’hésitez pas à nous consulter. Nous disposons de consultants francophones partout en Thaïlande.

Lifestyle Financial Planning

Money in the Bank – Try Structured Notes

Health Insurance

Global Health Insurance is available from several providers, we provide major medical cover with the option to add outpatient. You can select Asian cover, Global cover excluding the US or Global including US. Looking for lowest premiums? for the voluntary excess feature is particularly good for the elderly in bringing down the rates to sensible levels.Many of the providers we use adopt a lifelong policy feature whereby once onboard the insurance will not be cancelled no matter what the claims history. You can insure just yourself or include family or choose a company scheme, new applicants up to age 74 are welcome, please ask for further details.

University Fee Planning

Whilst you are in the peak earning years and most likely getting tax breaks as an expat it is wise to build up monies towards your families education fees.By starting early you can be ready for the time your family need cash for higher education. University costs are increasing each year at a rate far more significant than that of inflation. We can calculate the amounts you should set aside based upon ages of children and the location of the education.

Please contact us for a comprehensive review of your circumstances; it is never too early to plan

Regular Savings Options

Whether you are looking for short term saving solutions or long term pension planning we can help you get started. By making regular contributions into a savings plan you can take advantage of the growth potential of the markets, you may be surprised at how much even small amounts can grow to over a number of years

Investing regularly can smooth out market highs and lows over time. In a fluctuating market, a strategy known as pound cost averaging can help reduce the effect of market volatility on the value of your investment. When the market dips your regular payment will buy more shares. Of course, when the market rises, you will buy fewer shares but the shares you bought in previous months will be worth more.

Over several years it is likely that your circumstances will change at some point. It could be a salary increase or an unexpected change in circumstance, whatever the reason you can amend how much you save to match your situation.

QROPS

Expats may move their UK private pensions, it becomes IHT friendly and the pension pot will end up in your estate not in government coffers. We can evaluate your current pensions free of charge and look at the options for transfer. We now provide QROPS from Malta and Gibraltar and will look to other locations as they open up. Our trustees will allow clients to change from one location to another as and when it makes sense to do so, in addition for any people out there caught in the middle we can even offer in specie transfers.

Our FREE QROPS Guide is available, please request your copy today.

Investments

Our investment advisors provide clients with outstanding one-to-one personal service and advice. Our expertise includes considerable background and up-to-date knowledge of the investment and portfolio markets, and allows us to recommend to clients the best products available, in addition we have access to a talented support team who update regularly with any new tax and budget issues.

As a client, you will receive the best possible advice to enrich your financial position at every stage of your life and thereby help you grow your wealth in accordance with your expectations, only after we have identified your changing needs will we be able to suggest strategies for both protecting and growing your wealth over time.

Please enquire here for further information on any of the above services. email [email protected]

Tel 02 661 7884

Website: Credenda Assoicates