Continue reading »]]> There is a common misconception in Luxembourg that Financial Planners are not interested in clients who only wish to save some money on a regular basis, whether that be €200 per month or €5,000 per month.

At Spectrum, we pride ourselves on the fact that we do our job to help add value to our clients.  We truly believe that we leave our clients in an informed position to make a decision as to how best plan for their future, that being retirement, school fee planning, buying a home etc.  So much so that we do not charge a fee for our service.  Our service proposal is this:

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1. First meeting: Gather information:  This gives me a chance to understand exactly what you are looking for before offering you a solution.
2. Produce Written Report: The written report has a solution tailored specifically for you – this is not an ‘off the shelf’ product as sold by many other institutions in Luxembourg.
3. Second Meeting: Present written report along with recommendation.
4. Third Meeting: Answer all relevant questions after you have had time to digest the report.

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Only if you agree with the proposed solution will you become a client.  If not, then at least you are aware of any shortfalls you may have and there has been no cost to you.

To arrange a no obligation meeting and to receive your own personalised Financial Planning Report, contact me now.

Michael Doyle ~ Financial Planner

michael.doyle@spectrum-ifa.com

(TSG Insurance Services S.A.R.L.) | 11 avenue Guillaume, L-1651, Luxembourg | Mob: +352 691 128 026 | Tel: +352 2643 2555 | Fax: +352 2643 2855

www.spectrum-ifa.com

Continue reading »]]> Many of my clients are currently profiting from the downturn in the markets by saving a small amount of money on a regular basis.

The idea of this is to take advantage of buying units in funds at regular intervals with a view to having a smoothing effect over the medium to long term.

This months featured article discusses this in greater detail:

 “How to make money in a falling market”

To discuss your own situation and how saving on a monthly basis may benefit you, contact me now to arrange a no obligation meeting.

Michael Doyle ~ Financial Planner

michael.doyle@spectrum-ifa.com

(TSG Insurance Services S.A.R.L.) | 11 avenue Guillaume, L-1651, Luxembourg | Mob: +352 691 128 026 | Tel: +352 2643 2555 | Fax: +352 2643 2855

www.spectrum-ifa.com

]]> http://expatfinancialadvice.lu/2011/12/to-invest-or-not-to-invest-that-is-the-question/feed/ 0 http://expatfinancialadvice.lu/2011/02/the-luxembourg-state-pension/?utm_source=rss&utm_medium=rss&utm_campaign=the-luxembourg-state-pension http://expatfinancialadvice.lu/2011/02/the-luxembourg-state-pension/#comments Sun, 20 Feb 2011 13:07:20 +0000 Michael http://expatfinancialadvice.lu/?p=268

Continue reading »]]> With so much information and mis-information surrounding the Luxembourg State Pension, isn’t it time you took professional financial advice to discuss your situation?

To find out more about:

•  The 10 Year Rule
• Eligibility
• Contribution Levels
• When you can take your state pension
• Whether or not you are on track to retire in the lifestyle you desire

Call me today to arrange a no obligation meeting.

Michael Doyle ~ Financial Planner

michael.doyle@spectrum-ifa.com

(TSG Insurance Services S.A.R.L.) | 11 avenue Guillaume, L-1651, Luxembourg | Mob: +352 691 128 026 | Tel: +352 2643 2555 | Fax: +352 2643 2855

www.spectrum-ifa.com