Financial Protection

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EFPG

Effective Financial Planning Group

T (+350) 200 49750
Email: info@efpg.net

Effective Financial Planning Group Ltd
15 Irish Town Gibraltar

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QUESTIONS? CALL: +350 200 49750

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Financial Protection

28th March 2023

PROTECTION

Financial Protection Products

EFPG

Financial Protection

The vast majority of individuals have family members who are financial dependent on them in some way. If you are in good health and financially stable you may not have considered the need to protect your wealth, but what would happen to your finances if that were to change?

At EFPG we provide a wide range of financial protection products to cover your specific needs. Whether it is life insurance to protect your mortgage liability, income protection for your salary, a whole of life plan to protect your estate or a simple plan to cover your funeral costs our advisers can help protect your finances and give you the peace of mind you are looking for.

To find a product that fits your needs follow the links opposite or alternatively, contact us to arrange a free consultation with one of our experienced advisers.

Term Assurance

Critical Illness

Key 3 Critical

Family Income Benefit

Income Protection

Over 50s

Business Protection

Whole of Life

Inheritance Tax

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We will work closely with you to identify and quantify your financial needs, targets, issues, risks and priorities and produce a comprehensive financial planning report that details a range of recommended solutions - all tailormade to your specific desired outcomes.

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About You
Experience
Expectation
Results

First Name

Email Address

Last Name

Phone Number

How much investment experience do you have?*

I have very little knowledge or experience

I have some knowledge and understanding

I am an experienced private investor with good investment knowledge

I would consider myself to be a professional investor

How often do you read the financial pages of your daily newspaper or visit finance related websites?*

Always

Often

Seldom

Never

Generally, do you feel it's better to:*

Always be safe rather than sorry

Occasionally take some risks to get a little more

Usually go for more even it involves the risk of losing out

Always speculate to accumulate

Which of the following statements most closely matches what you are expecting from your investments?*

I want to maximise returns. I am not worried if my investments fluctuate in value on a day to day basis

I want an above average level of return and can accept some risk along the way

I would like a modest level of return with limited risk

I don't want any risk

Choose between the following investments based upon which one most closely matches your ideal*

Highest potential return, regardless of the level of risk

Good potential return but could fluctuate in value

Modest return but relatively safe

Low return and absolutely safe

I expect my investment to provide returns:*

That will be the same as the returns available for cash, with limited risk to my capital

That will be modestly better than the returns available for cash, but with the potential for losing some of my capital

That will be much better than the returns available for cash, with the increased risk that I may lose my capital

Which of the following descriptions best fits you?*

I wish to avoid volatility and would prefer minimal risk investments and I understand that this may restrict returns

I would like to ensure short term financial security through low risk investment but am prepared to hold some assets that may provide long term investment returns

I would like to take advantage of investments with the prospect of good long-term returns and can accept increased short-term volatility

I would like to take advantage of some higher risk investments, which carry the risk of potential loss of capital

If you held an investment which fell in value by 10%, how long would you expect the investment to take to recover in value?*

Less than 6 months

6 to 18 months

18 months to 3 years

I would not be happy if my investment fell in value in the first place

If your investments were to fall in value by 20%, would you:*

Worry about the fall in value and feel that you were no longer as financially secure as you once were

Worry about the fall in value, but feel that you could cope with this as you continued to be financially secure

Not worry unduly about the fall in value, as a loss of this magnitude would have minimal impact upon your financial security

If your investments fell in value by 20%, would your reaction be to:*

Sell immediately to avoid further worry

Do nothing and wait for investment returns to improve

Seriously consider further investments to take advantage of lower prices, in anticipation of future gains

Inflation (i.e. the increased cost of living) may erode the real value of your investments. Which of the following statements most accurately reflects your view:*

My investments should not fall. I accept that inflation may erode the real value of my investments.

My investments should keep pace with inflation. I can accept the occasional short term fall in value to meet this objective

I want to beat inflation. I can accept a greater degree of risk to meet this objective

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TRANSPARENT

EFPG follows the UK model of charging by charging transparent, fully-disclosed fees rather than taking undisclosed commissions from products or investments that we advise on. This model was adopted as EFPG considers that our clients would prefer to know what fees they are paying and that the advice that EFPG provides would not be swayed by considering commissions.

EFPG also has long-standing partnerships with top-flight tax planning specialists in the UK and Spain for high net worth clients and UK expats. EFPG also offers property and estate agency/management services through EFPG Estate Agents.

LICENCE

Nexus Global specialises in providing a regulatory platform and compliance support to international financial advisers and intermediaries to enable them to meet regulatory requirements to provide their clients with a professional service.

The financial advisers trading under EFPG/BFMI are members of Nexus Global. Nexus Global is a division of Blacktower Financial Management (International) Limited (BFMI). All approved members of Nexus Global are appointed Representatives of BFMI. BFMI is licensed and regulated by the Gibraltar Financial Services Commission (FSC) and bound by the rules under licence number 3647:

http://www.fsc.gi/regulated-entity/blacktower-financial-management-international-limited-3647

Complaints Procedure – International Residents

Effective Financial Planning Group places the quality of advice as our top priority. It is important that we hear any concerns you have regarding the services we offer. Nexus Global operates a formal complaint handling procedure. A client’s complaint will be acknowledged promptly with a copy of our complaint’s procedure. Should you have a complaint we ask that you inform Nexus Global Office in the first instance. We will then review and make contact with the relevant office. If you have already spoken to someone regarding your complaint, please include their name in your correspondence as this will assist in your complaint being answered more promptly.

Complaints can be emailed to: info@nexus-global.net or you can also write to:

Nexus Global
Waterport Place,
Floor 2 Unit 2.3 Europort Road,
Gibraltar GX11 1AA

Nexus Global operates a formal complaints handling procedure. A client’s complaint will be acknowledged promptly and we will try to resolve the problem within eight weeks of the client telling us about their complaint.

If you consider that your complaint has not been dealt with appropriately by Nexus Global, you can write to the Gibraltar Financial Services Commission to:

P.O. Box 940, Suite 3, Ground Floor, Atlantic Suites, Europort Avenue, Gibraltar.

GET IN TOUCH

(+350) 200 49750
Email: info@efpg.net

Effective Financial Planning Group Limited
PO Box 1483 15 Irish Town Gibraltar

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Opening Hours

Monday – Thursday: 9:00am – 5:15pm
Friday: 9:00am – 5:00pm

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