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ABOUT CHARTERCROSS Working globally Chartercross help international clients and expatriates select products designed to meet their specific needs for insurance investment education savings and retirement planning. For the past decade our undivided focus has been on the provison of professional unbiased and specialist financial advice to our clients. As Chartercross are an independent firm of Wealth Managers who are not tied to any individual life company our fully qualified Wealth Managers are able to assess each Clients needs on an individual basis and provide personally tailored financial solutions. To find out more about international mortgages insurance or money exchange services please contact us on infochartercross.com The advice we provide is free and without obligation. All opinions expressed in this Guide constitute the authors own judgment as of the date of the Guide. Please note that as we have only indicated the general position and whilst every effort has been made to ensure the accuracy of the information we can accept no responsibility for any act or failure to act based upon its content. The views expressed herein are purely those of Chartercross employees and are not to be construed as advice. This material is for information purposes only and does not contain and should not be construed as containing investment advice or an investment recommendation or an offer of or solicitation for a transaction in any financial instrument. Always seek independent financial advice before investing in any product. The information provided and contained in this brochure are believed to reliable but are subject to change without notice and Chartercross makes no representation as to the completeness or accuracy of the information or of any opinions expressed.