BRS Wealth Management

ABOUT US

BRS WEALTH MANAGEMENT helps advance the financial opportunities o You believe in achieving, par excellence. This motivates us to broaden our banking relationship with you by also offering a service to address your property financing needs.

 

Whether it’s buying a new home, refinancing or monetizing an existing asset, we have the appropriate offering. Additionally, as an Expatriate or a National living in selected countries, our unique non-resident proposition may also be of interest.

f communities, businesses, and individuals alike.

But that’s only part of the story. Our work redefines the idea of community involvement and impacts what matters most: the city you love, the company you work for, and the financial future of you and your family.

How do we do it? By trusting in your resolve to move your bold visions forward, and by continually working to earn your trust while we help you pursue them. We believe it’s the ideal approach for those who believe in creating a better future.

TAILORED SOLUTIONS

Every need is different, so every solution must be unique. It begins with listening, and working to truly understand your objective. Our wealth of product knowledge and diversity of services, including risk and cost analysis, enables us to find sound solutions tailored to meet your needs.

Forthright Advice

When serving as advisor, we explore proposed solutions through candid conversations and a realistic look at the anticipated results. Because being aware and informed lets you make confident decisions. This is how we build long-term relationships and help enrich the financial future of communities, businesses, and individuals.

OUR BUSINESS DIVISIONS

Public Finance

Our Public Finance professionals serve governments, school districts, authorities, nonprofits, and privately held entities with municipal advisory and underwriting services, as well as a full-suite of public entities solutions, including continuing disclosure, asset management, arbitrage rebate, and government investment pools.

Wealth Management

Our Wealth Management division provides personal financial advisory, clearing services, and securities lending solutions to clients across country.


Our Wealth Management financial professionals serve individual investors through our Private Client Group offices in 12 Country’s, and through the independent financial professionals of our affiliate broker-dealer, BRS WEALTH MANAGEMENT.


Our Clearing professionals provide clearing, custody, and execution solutions to correspondent broker-dealers and registered investment advisors across the country’s.

Our Securities Lending professionals operate a conduit, or matched book, securities lending business, executing borrow and loan transactions on a full range of securities.

Fixed Income Capital Markets

Our Fixed Income professionals serve issuers, institutional investors, and individuals with underwriting, trading, and sales services on a broad range of taxable and municipal fixed income securities, as well as equities.

Structured Finance/Debt Capital Markets

Our Structured Finance/DCM professionals serve public/private entities and housing finance agencies with a full suite of financing solutions and consulting services, including specialty finance, structured products, housing advisory, and TBA administration.

OUR MISSIONS & VALUES

BRS WEALTH MANAGEMENT is committed to improving lives — for our customers and our employees. We seek to serve as your trusted advocate by providing the expertise, financial guidance, solutions and services that achieve your definition of success.

In everything we do, we value:

  • Integrity
  • Professionalism
  • Collaboration
  • Adaptability
  • Respect
  • Excellence 

We understand that when we combine our extensive experience with a culture of collaboration and a commitment to excellence, the result is true innovation for our customers.

OUR PRODUCTS

Structured Products

What is a Structured Product?

A structured product is a pre-packed investment strategy that manages risk by exposing the investor to a mix of equity indices, a basket of stocks, currencies, interest rates and commodities.

The investor’s required capital protection is one element which effectively determine the structured product. Another is the derivative which links the investment with an underlying index, a currency or a basket of securities.

A well-diversified portfolio will benefit highly from the introduction of structured products as they can add significant value when they fit within the overall strategy of the investor. Additionally, these products can also work to enable access to different assets classes in private client portfolios.

Classification

Usually, Wealth Managers will present the idea of an investor opting for a structured product instead of a bond.

Q. If a structured product can go down in price because it is linked to an underlying index, or because of its bond content/volatility shifts, where should structured products be placed in client valuations?

A. Some believe structured products should come under a separate section in a client valuation, but when using them in a portfolio, they can be used to replace fixed income or equities.

Q. How are structured products classified by companies? If a client holds a structured note instead of US equities, is it listed under US equities?
A. Structured Products allow clients to access other asset classes, hence the term derivative, making them difficult to classify. But, with that being said, they are usually placed into valuations based on underlying exposure.

Naturally, being aware of risks is necessary and there are some underlying ones related to structured notes. For example, exposure to one institution can add up across a range of structured products with potential cross-over with fixed income.

Diversifying risk

Structured Products work to ensure that the investor is not exposed to concentrated counterparty risk – thanks to new types of products coming on the market. A new breed of structured Ucits funds hold a range of structured products, rather than being based on one autocall. This type of fund, based on a range of products, means providers can reduce the amount they have in collateral gilts, so they have more opportunity to generate returns than a typical Ucits III offering. There is also no exit date, because the product is continuously being rolled forward.

Brs Wealth Management Tax Consultancy

As an integral part of BRS Group, one of the world’s largest financial advisory organisations, BRS Group Tax Consultancy provides existing clients and the wider expatriate population with bespoke tax advice and compliance services, wherever they choose to live in the world.

We offer a unique personalised service to our clients, taking into account their individual, and sometimes complex circumstances.

We assist clients in bringing their tax filing obligations up-to-date to ensure they are compliant with the law.

We have specialist skills in international, cross-border taxation for taxpayer’s residing in the European Comunity. We offer expert advice on everything from tax residency and international tax planning to capital gains tax and domicile status.

Our dedicated team of advisers have extensive experience as a result of the wide variety of situations we are exposed to on a daily basis, in addition to BRS Group fully comprehensive, and ongoing training.

Using our industry knowledge, we will guide you through the process of managing your tax obligations in the most efficient way.

Some of our most popular services include:

International Wills

No matter where you live in the world, making a will is an important process to go through. By having a will, you ensure that your estate and assets are disposed of in a way that corresponds to your wishes. If you die without a will, your assets may be distributed according to the law instead of your own wishes. Furthermore, if you are a UK citizen living abroad, your country of residency at the time of death may impact the transfer of your assets and estate in the UK. Therefore, although you are not required to make a will by law, it is the best way to decide what happens to your assets after your death.

By taking time to set out your will with a financial adviser, you can decide how your assets are allocated should the unexpected happen. Even if you aren’t married, or perhaps divorced, you can ensure that your partner or former partner is provided for.

Inheritance Tax & Trust Planning

Working together with some of the top law firms, we can provide you with comprehensive advice and assistance on inheritance tax planning to potentially mitigate the effects of inheritance tax wherever your residence may be. If you are UK domiciled then you are subject to UK inheritance tax regardless of where you are resident on your worldwide assets. We can also offer assistance on trust planning to ensure that your wealth and assets are protected depending on your circumstances and to ensure on death assets pass to your desired beneficiaries.

Lasting Power of Attorney

We can also advise, using our extensive contacts, on drafting Powers of Attorney giving you peace of mind that should you become unable to sign or dementia occurs that your loved ones have the authority to sign documents on your behalf.

We are committed to professional excellence and providing a first-class service to all our clients, enabling us to build long-term partnerships over the long term. Click here to find out more on BRS Group Tax Consultancy and to claim your free, no-obligation consultation.

INTERNATIONAL INVESTMENT STRATEGY

Plans for the future are amazingly fun to make. Buying a house, saving up for your children’s university fees, moving to a different country, there are so many options. What’s important is to have a savings plan that is tailored to your goals. Today, there are plans suited for every kind of eventuality, but as an expat many more will be available to you through investment in an overseas jurisdiction.

As an international investor, you will have a large array of funds from which to choose from. This will allow you to save money in a currency of your choosing. You will also be able to take advantage of benefits from the tax-efficient rates paid. Contributions can be made towards the plans in a custom-made way, meaning that they will always fit your lifestyle and your budget. Provided that the deposits you make are regular and timely, there’s no end to the flexibility of options you have as an expat investor.

A basic fact is that when it comes to saving, the earlier the start the better. It will enable you to be prepared when caught off guard. This is where BRS Group comes in.

We can work with you to put together a savings plan that will get you the best returns on your assets, no matter what your savings goals are.

Please contact us for a free consultation with a BRS Group Consultant.

Life Assurance

Life Assurance is a way of managing your risks. When you take out a life assurance policy you transfer the cost of a potential loss to the insurance company. Finding the right assurance for your needs can be a daunting task. Whether your new life assurance is for personal or business use, BRS Group has you covered.

When you work hard to provide security for the people you care about, life assurance should be an essential part of your long-term financial planning. The purpose of international life assurance is to provide you with the peace of mind that your family and loved ones are protected in the event of your premature death, no matter where you live in the world.

The type of international life assurance you will require depends on your goals and the level of assurance you need, in order for your family to maintain comparable standards of living in the event of your death. For most people their major fears in the event of a premature death include that their family’s lifestyle will be ‘downsized’, that their children’s education will suffer, and that any loans and debts not able to be repaid. BRS Group can help you find the perfect international life assurance cover tailored to your individual, specific needs.

It is also important to be aware that should there be any estate taxes due, they are usually required to be paid even before Probate is granted and assets released to your beneficiaries. This financial burden can be solved with Life Assurance, as the payment can be made regardless of delayed Probate, if set up correctly.

Working with a carefully selected panel of providers, BRS Group offers an extensive product range including:

  • Life Cover
  • Whole of Life/Term Assurance
  • Critical Illness Insurance
 

To find out more about how BRS Group can help you prepare for the unexpected, contact us today.

International Pension Plan

When an employee leaves your group pension scheme, they can opt to transfer to an individual pension plan. The International Pension Plan is the perfect solution. It complements your Group Allocated Annuity and MetLife Annuity Plan, allowing employees to continue saving for their retirement.

The International Pension Plan is a secure, portable investment that guarantees the principal*.

Highlights of the plan

  • A flexible investment accumulation account
  • The option to invest in USD. GBP, EUR
  • Benefits are payable anywhere in the world**
  • Partial surrenders are available
  • Five year minimum interest rate guarantees are applied to each deposit made during the policy year
  • Contributions are invested in high grade bonds
  • Bonuses are payable when investment performance is high

Invest Confidently in Digital Currencies

Easily gain exposure to digital assets via your brokerage account or simply contact your Wealth Manager through the BRS Group family of products.

Important Information

Carefully consider each Product’s investment objectives, risk factors, fees and expenses before investing. This and other information can be found in each Product’s private placement memorandum, which may be obtained from Grayscale and, for each Product registered with the SEC and/or listed on the OTC Markets, such Product’s annual report or information statement, which may be obtained by visiting the SEC’s website for Crypto and Bitcoin Trust (Symbol: GBTC) and Ethereum Trust (Symbol: ETHE) or the OTC Markets website for Bitcoin Cash Trust (Symbol: BCHG),  Ethereum Classic Trust (Symbol: ETCG), Litecoin Trust (Symbol: LTCN) and Digital Large Cap Fund (Symbol: GDLC). Reports on OTC Markets are not prepared in accordance with SEC requirements and may not contain all information that is useful for an informed investment decision. Read these documents carefully before investing.

 

Investments in the Products are speculative investments that involve high degrees of risk, including a partial or total loss of invested funds. Digital Products are not suitable for any investor that cannot afford loss of the entire investment. The shares of each Product are intended to reflect the price of the digital asset(s) held by such Product (based on digital asset(s) per share), less such Product’s expenses and other liabilities. Because each Product does not currently operate a redemption program, there can be no assurance that the value of such Product’s shares will reflect the value of the assets held by such Product, less such Product’s expenses and other liabilities, and the shares of such Product, if traded on any secondary market, may trade at a substantial premium over, or a substantial discount to, the value of the assets held by such Product, less such Product’s expenses and other liabilities, and such Product may be unable to meet its investment objective.

 

This information should not be relied upon as research, investment advice, or a recommendation regarding any products, strategies, or any security in particular. This material is strictly for illustrative, educational, or informational purposes and is subject to change.

 

The shares of each Product are not registered under the Securities Act of 1933 (the “Securities Act”), the Securities Exchange Act of 1934 (except for Bitcoin Trust and Ethereum Trust), the Investment Company Act of 1940, or any state securities laws. The Products are offered in private placements pursuant to the exemption from registration provided by Rule 506(c) under Regulation D of the Securities Act and are only available to accredited investors. As a result, the shares of each Product are restricted and subject to significant limitations on resales and transfers. Potential investors in any Product should carefully consider the long-term nature of an investment in that Product prior to making an investment decision. The shares of certain Products are also publicly quoted on OTC Markets and shares that have become unrestricted in accordance with the rules and regulations of the SEC may be bought and sold throughout the day through any brokerage account.