EXPERTISE | EXPERIENCE | INDEPENDENCE | BEST INSURERS & ADVISORS
We work with financial advisors to high net worth individuals and help them use life insurance to manage wealth and protect assets.
We are independent insurance consultants and have spent over 20 years researching and identifying suitable international insurers to help wealth managers.
Our international clients trust and rely on our in-depth insurance, tax and legal knowledge of more than 70 jurisdictions and markets. With our team of internationally experienced specialists and advisors, we provide our clients with access to the world’s leading specialty insurance planning, product and service capabilities.
Our independence allows us to provide truly tailor-made solutions. We find flexible, secure and robust solutions that are most effective for our clients' individual situations. We take a careful brief and then identify the most appropriate options. We identify:
- the right jurisdiction which will provide the best protection;
- a compliant and efficient tax regime; and
- the best providers including carriers, international attorneys, insurance professionals, investment management firms, financial institutions, etc.
- Assist each client to find, create, and maintain the best wealth solution to increase and protect their assets.
- Establish a long-term relationship with our clients, through the ups and downs of life, to ensure financial stability and well-being for the client and for generations to come.
- Collaborate with only first-class financial services companies and other professionals.
Who we work with
Our clients include: financial and tax professionals, family offices, high-end wealth managers, estate planners, lawyers, CPAs, CFPs, brokers, asset managers, private banks, entrepreneurs, private investors, affluent families, business owners, senior executives, etc.
- Strategy Development
- Cost/Benefit Analysis
- Solution Vetting
Our planning process is comprehensive in order to ensure all solutions are suitable to your needs. Our professional and experienced representatives work closely with you through the planning process. This ensures all parties understand the purpose of the planning and how the solution meets the identified objectives.
Our role doesn't end once the solution is implemented. Savvy's "plan monitoring and client service" programs ensure appropriate modifications are made to adapt to your circumstances over time.
- Needs & Objectives
- Situational Analysis
- Prioritization of Goals
- Plan Logistics
- Pricing Negotiations on client's behalf
- Document Completion
Discovery & Fact Finding
- Family Structure
- Citizenship & Residency
- Assets & Liabilities
- Existing Plans & Structures
Monitoring & Service
- Plan Performance Review
- Objective Modifications (as necessary due to life changes)
- Plan Amendments (as needed)
Policy holder: The policy holder is the owner of the contract and controls the policy. he has the right to select the investment strategy, appoint the beneficiaries, surrender the policy and make changes to the policy. Policy holder can be a private individual, a company or legal structure like a trust or foundation.
Person insured: The term of the policy is linked to this person’s life. When the person insured dies, the contract normally comes to an end. The person insured must by definition be a private individual. It is possible to have two persons insured in a contract ( joint-insured).
Beneficiary/ies: he/they receive the payout at death of the person insured. The beneficiary/ies can be one or several private individuals, but, also a company or legal structure like a trust or foundation.
Arbiter: he is a third party (private individual or company) who is given specific rights. Typically, an attorney or a trustee could act as the arbiter in a policy.
SFS – Savvy Financial Services - Global Corporation based in Tortola - British Virgin Islands, has specialized for over 20 years in providing tailor-made international insurance and investment solutions to financial professionals and private investors.
With our team of internationally experienced specialists and our exclusive team of external advisors, we cater to financial and tax professionals, family offices, entrepreneurs, private investors and to affluent families etc. Our solutions optimize a wealthy person’s situation with respect to investments, asset protection, taxation and estate planning.
Savvy also includes a broad network of internationally experienced and independent financial and legal specialists. Excellent financial solutions require various components: protective insurance policies and other legal structures, appropriate jurisdictions, sophisticated banking and specially structured investments. In addition, policies have to be compliant with the legal and tax requirements of the home country or country of tax residency of the client. Savvy's network offers compliant policies for many different countries.