Nobody wants to think about what might happen to their loved ones should they pass away, become seriously ill or have an accident. Achieving your financial goals means that you have not only thought about this aspect of your finances but also put in place protection for you, your family, your loved ones or partners in your business. We have a dep understanding of the benefits which are in place "beyond the paycheck” and bring these insights into the advice we offer so their impact is maximised. It’s true that there are a limited number of insurers in Jersey who can offer Jersey residents the type of insurance cover that is needed. We have excellent relationships with the insurers available, and your adviser will work with you on the best solution for you based on your needs and affordability.

Our wealth advisers take time to get to know you and to understand what you want to achieve in your unique your retirement journey. Once we have a deeper understanding of your life goals, your financial expectations and your needs, our wealth advisers will work with you to co-craft a personalised plan, measure and assess your progress on an annual basis, keeping a close eye on the investment landscape and changes. Our team uses global best practice insights to help you not only leave a legacy but to live your legacy. Know your number and when you can make work an option by partnering with one of our advisers to put a plan in place to enjoy the lifestyle you want in retirement.

Explore your retirement journey decade by decade and speak to one of our team today advice@alexforbes.je.

The financial universe offers a wide variety of inventive investment products that can quite frankly be intimidating and confusing. These products often promise clients difficult-to-find outcomes like high, guaranteed rates of return with no perceived risk to capital. While some of these products are legitimate, a fair share of them are nothing short of good marketing strategies promoted by transactionally motivated investment salesmen. Being sold these products often results in financial losses which can damage your financial planning.

We approach investment advice differently. We first understand the lifestyle you desire, then factor this into the underlying investment solutions deployed through the ongoing advice that powers your financial plan. Before recommending any investment, we investigate the managers using strict criteria through a robust investment whitelist committee approval and monitoring process. Our partnership with Asset Risk Consultants enables us to identify the relevant investments for you and monitor those solutions to ensure consistent performance, good governance, fair costs and service excellence.

Making sense of your overall financial situation can give you a renewed opportunity to consider what matters most to you and what you want to protect in your life. Estate planning is more than the protection of your accumulated wealth. It means planning for a future where you and your loved ones can connect to achieve shared goals such as:

• Generating future cash flows that meet your lifestyle needs.
• Distributing wealth the way you want, cost effectively and tax efficiently.
• Preserving wealth for your future generations.

We work with a range of estate planning & capacity experts to ensure your Will and Lasting Power of Attorney are fit for purpose, up to date and aligned to your legacy planning. Explore your legacy plan and speak to one of our team today advice@alexforbes.je.