A brief introduction about me, back in the 80s I was involved in Financial Services and Tax Planning, in the 90s I ran my own Commercial Finance Brokerage and in the 2000s I have owned and run different real estate businesses. Now a Global Investor in small companies and real estate I believe my experiences put First Celtic in a unique position to help its clients achieve all their dreams and business goals.
My first starting point with clients is to see if First Celtic can either acquire your business or if your not looking to sell help you fix the business or finally help you access the capital markets and help your business to grow. SMEs are the lifeblood of the world and my mission is to help Entrepreneurs to exit their businesses and get the most form their years of hard work. My motto is Making a difference first and making money second. This is underpinned by my three core principals Honesty, Integrity and Transparency.
From my 80s experience tax is at the very heart at everything we do. If you get a 25% tax break on an investment even if the return is zero, your much better off than an amazing 15% returning investment with no tax break.
For international real estate investors this is clearly the case in what vehicle you use to buy that asset is likely to be more important than the yield you achieve.
Now we come full circle and our aim is to help anyone earning 100,000 or more choose where they live and how the live and how much tax they pay. In essence it’s about lifestyle, Tax and Jurisdiction. The reason we say 100,000 is that in most desirable destinations you will need to pay for private health care and education which are more a less free in Europe. So reducing your tax bill might not compensate you for those benefits lost.
So the starting point is to understand where our client wants to live and what type of lifestyle they want then advise them of the most effective way to do that and how we get to that end. This may include setting up companies in a new country and opening different international bank accounts
Once we have saved them fortunes in tax were on hand to help advise on how to invest the savings in the most tax effective way possible building wealth for the future. Some of our clients may decide to invest in a 2nd passport through one of the Citizenship by Investment programs run by a few countries around the world.
A word of caution every client is different for example a US Citizen can’t get the same benefits a UK Citizen can due to the different way each country treats you. USA in this instance is not the land of the Free. Also if you have Children that need to go to School you will be limited to Countries where the schooling is sufficiently good enough for your Kids. This will limit the choices compared to a single digital nomad who doesn’t have to worry about these sort of things.
I really do hope that either Frist Celtic or Myself can help you make a difference in this crazy world.