Qualifications:
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Chartered Insurance Institute Level 4 - Pensions and Retirement Planning
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Confederation of Insurance Brokers - Hong Kong (CIB)
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HKIA - Principles and Practice of Insurance
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HKIA - Long Term Insurance
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HKIA - Investment Linked Long Term Insurance
About Craig McConnell
Craig has over 17 years of experience helping families and individuals with their Financial Planning within the UK, Hong Kong and now Vietnam. He takes a holistic approach to Wealth Management to ensure he looks at all areas of his clients current arrangements, listening to their aims and objectives in order to help them make balanced financial decisions.
Craig places an emphasis on customer service, which has helped him develop a successful client bank through regular personal and client referrals. His clients find him personable which gives them confidence in his genuine interest for their financial security.
Testimonials
PARTNERS
My Values
At my core, I uphold unwavering integrity in all financial dealings. As a trusted financial advisor in Vietnam, I prioritize honesty and ethical conduct, ensuring that clients receive advice and services founded on integrity and reliability.
My Services
Protection
Before we look at a client’s savings and investment needs its essential to make sure you have the correct protection in place, to ensure that medical problems or loss of income don’t become financial problems. When we look at a client’s protection needs there are four main areas to address:
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Private Medical Insurance
Providing yourself and your family with sufficient medical cover is essential, as an expat many companies will provide medical insurance as part of your package but it’s always worth checking you have adequate cover in the case of a medical emergency.
Income Protection
It’s important to always ask yourself, "how would you cope financially if you lost your job tomorrow?" Before investing we always recommend clients have an emergency cash fund of 3-6 month’s expenses, but what if you’re unable to work due to illness for a longer period?
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Critical Illness Cover
Whilst having adequate medical cover in place will cover your medical bills it won’t cover your living costs whilst you’re out of work. Very simply, critical illness cover will pay out a lump sum on the diagnosis of a critical illness.
Life Insurance
If you have a spouse, partner or dependents it’s essential you have life cover in place. There are a number of different options when it comes to selecting the correct life cover you need, the main two options are term insurance and whole of life.
Investments
Choosing the right investment opportunities doesn’t need to be complicated but it’s important to obtain advice to make sure you have the correct plans in place. By using the services of an Independent Financial Adviser, you can make sure you have the correct investments from the thousands of options that are available. When investing for the future there are five main areas we typically look at:
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Retirement Planning
Retirement planning is the first and potentially most important step in financial planning. Whether you’re at the start of planning for your retirement or you're approaching retirement we can help you navigate the right path to reach your goals.
Children’s Education Planning
As with all areas of your financial planning it’s important to start early. Working with an experienced Financial Adviser can help you understand what time scale, costs and commitment are required for education fee planning.
Lump Sum Investment
Lump sum investing contrasts with monthly investment, which is more appropriate for putting away a portion of your monthly income. Lump sum investing is when you decide to invest a significant portion of your savings at one time.
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Assets & Portfolio Management
Managing your assets and portfolio is crucial in financial planning. Whether you're starting or approaching retirement, let me can guide you toward the right path to meet your goals.
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Pension Transfers
Many expats have pensions scattered around the world, it’s a good idea to consolidate these pensions where possible so you know exactly what you have. A detailed review of your current pensions will help you identify any tax issues and see what shortfalls you have.
Property
Before delving into a client's property-related needs, it's imperative to establish the appropriate safeguards to prevent potential financial challenges stemming from unforeseen circumstances. When addressing a client's property concerns, there are four primary areas to consider:
Investment Property
Navigating the realm of investment properties requires a strategic approach. Whether you're considering residential or commercial investments, understanding market dynamics and potential returns is crucial. We work with clients to identify properties aligning with their financial goals, ensuring a well-informed investment strategy.
Property Funds
Diversifying your property investments through funds offers a collective approach to real estate ventures. Property funds pool resources from multiple investors to acquire a diverse portfolio. Our expertise allows clients to explore these collective investment opportunities, providing a balanced and risk-managed exposure to the property market.
Commercial Property
For clients interested in commercial real estate ventures, comprehensive guidance is essential. Evaluating potential income streams, understanding market trends, and assessing risk factors are key components of our approach. We assist clients in identifying and acquiring commercial properties aligned with their investment objectives.
Student Accommodation
Investing in student accommodation presents unique opportunities and challenges. Understanding the dynamics of student housing market, rental trends, and potential regulatory considerations is crucial. We guide clients through the intricacies of investing in student accommodation, ensuring informed decisions that align with their overall investment strategy.
