EDUARDO FERREIRA SIMOES
Chartered MCSI
International Wealth Planner
UK OIL PROFESSIONALS
NEVER LET
WEALTH-SHRINKING MISTAKES HAPPEN
EVER AGAIN
Discover the 5 Wealth-Destroying Traps Silently Draining Your Money, and How To Avoid Them Using the SAME Strategies Millionaires Use Below.
Plan with a Trusted Adviser Who Has Helped Professionals Like You Secure Lifelong Wealth.
Just a Few Spots Available for our High-Touch, Bespoke Service
01
Over-Reliance on Employer Schemes
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Unpredictability of Corporate Structures: Large firms adjust corporate benefits, leaving you vulnerable to changes in contribution rates or caps.
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Often not enough: Relying solely on employer schemes ties your future to how much you got in the schemes, which is usually not enough to retire on. Are you confident you got enough?
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Limited Customisation: Employer schemes are rarely tailored to your unique needs, such as early retirement, later life care, or legacy planning for children.
02
Not Taking Full Advantage of Employer Schemes & Tax Advantageous Schemes
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Missed Contributions: Shell’s 20% pension contribution requires you to match part of it - are you maxing this out? Failing to do so is leaving money on the table.
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Tax Inefficiency: Employer benefits often include salary sacrifice options that reduce taxable income, but these aren’t always leveraged effectively.
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Ignoring Additional Allowances: From ISAs, to pensions, have you used all the allowances?
03
Single-Stock Exposure
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Concentration Risk: Holding too much of a single stock ties your wealth to one company’s performance, creating significant volatility.
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Market Volatility: Even giants like Shell or BP are subject to oil price fluctuations, geopolitical instability, and global economic shifts.
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Tax Implications: Selling large amounts of employer stock without a plan could trigger unnecessary capital gains tax.
04
Not Maximising or Understanding Cross-Border, International Structures
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Missed Offshore Opportunities: Vehicles like offshore bonds or QNUPS can offer significant tax advantages but are often overlooked.
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Complexity of Existing Assets: Holding pensions in Saudi Arabia while living in the UK, for example, can create tax inefficiencies without proper planning.
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Estate Planning Challenges: Cross-border assets need careful structuring to avoid double taxation and ensure seamless inheritance.
05
No Proper Plan In Place
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Lack of Clarity: Do you know your exact “retirement number” or how much income your assets can generate annually?
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No Protection: Without adequate life insurance, income protection, or critical illness cover, your family’s financial future is at risk.
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Missed Opportunities: Without a clear plan, opportunities to optimise taxes, diversify investments, or retire early often go unnoticed.
But What is The Solution?
01
Alternative Retirement Solutions – Avoid Losing Your Lifestyle
Your employer pension is great, but it alone won't secure the retirement of your dreams. Without additional planning, you risk running out of money or compromising your lifestyle.
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Avoid Sequencing Risk: Set up a cash buffer to protect against market downturns impacting your income at the start of your retirement.
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Maximise Tax-Free Structures: Fully utilise Stocks & Shares ISAs and other tax-efficient vehicles to ensure a portion of your retirement income is 100% tax-free.
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Boost Pension Savings: Maximise pension contributions to pensions or SIPPs to take advantage of tax relief, boosting your savings.
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Global Strategies: Retiring abroad? Consider QNUPS or offshore bonds for tax-efficient wealth growth.
💡 Imagine never worrying about your finances in retirement. That’s the peace of mind you deserve—don’t risk missing out on it.
02
Know Your Benefits – Stop Leaving Money on the Table
Are you sure you're maximising everything your employer offers? Many executives don’t realise they’re walking away from significant wealth because they don’t fully understand their benefits.
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Missed Contributions: Shell’s 20% pension contribution requires you to match part of it - are you maxing this out? Failing to do so is leaving money on the table. You should read every detail and term and condition of your employer booklet, workplace pension trustee, and avoid leaving valuable benefits unclaimed.
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Tax Inefficiency: Employer benefits often include salary sacrifice options that reduce taxable income, but these aren’t always leveraged effectively. Protect yourself from traps like the 60% tax trap on income between £100k-£125k.
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Ignoring Additional Allowances: From ISAs, to pensions, have you used all the allowances?
💡 Every missed benefit is money you’ll never get back. Don’t let inaction cost you thousands over your lifetime.
03
Single-Stock Exposure – Don’t Put All Your Eggs in One Basket
How much of your portfolio is tied to your employer's stock? If the answer is “too much,” you’re gambling with your financial future.
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Reduce Risk: A single-stock collapse could destroy your wealth - diversify before it’s too late. Rebalancing a portfolio into the right funds is paramount to ensure your investments have sophisticated risk management strategies that minimise your exposure to losses and volatility
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Control Taxes: Liquidate shares strategically and gradually to avoid excessive capital gains tax, utilising your CGT allowance and selling vested shares only at the right time.
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Stay Rational: Emotional attachment to your company can blind you to risks. This is a common behavioural bias which we must eliminate before it's too late - remember, wealth over loyalty. Whilst oil shares have done remarkably well recently, that does not mean they will continue to do so. Remember, past performance is not indicative of future performance.
💡 Imagine the regret of losing years of hard-earned wealth because you didn’t diversify. Take action now to safeguard your future.
04
Cross-Border Complexity – Don’t Let Global Assets Create Chaos
If you have assets in multiple countries or plan to retire abroad, failing to structure them correctly could cost you dearly in taxes and inefficiencies.
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Clarify Tax Obligations: Study dual-taxation agreements, or risk overpaying tax in both the UK and your destination. Holding pensions in Saudi Arabia or Bermuda while living in the UK, for example, can create tax inefficiencies without proper planning.
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Choose the Right Tools: Offshore bonds, QNUPS, and other structures could save you thousands - but only if used correctly. They offer a variety of benefits and tax advantages, yet are often overlooked.
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Seek Expertise: Tax offices won’t hold your hand - cross-border planning is best left to a professional.
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Estate Planning Challenges: Cross-border assets need careful structuring to avoid double taxation and ensure seamless inheritance. For example, US shares are subject to inheritance tax for non-US residents, and also subject to 30% withholding taxes.
💡 Don’t let confusion or poor planning drain your wealth. A clear strategy ensures your legacy isn’t lost to red tape or inefficiency.
05
Build a Plan, No Plan = No Retirement
Not having a financial plan is the fastest route to insecurity, stress, and working far longer than you need to.
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Know Your Retirement Number: How much money do you need to retire comfortably? Without knowing this, you’re flying blind. Do you know your exact “retirement number” or how much income your assets can generate annually?
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Avoid Surprises: Failing to account for inflation, tax allowances, or longevity risk could mean outliving your savings.
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Make Confident Decisions: A solid plan removes uncertainty and empowers you to take control of your future.
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No Protection: Without adequate protection against illness, disability or death, your family’s financial future is at risk. Is your lifestyle financially secure if you became seriously ill? Could you still save towards retirement funding?
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Missed Opportunities: Without a clear plan, opportunities to optimise taxes, diversify investments, or retire early often go unnoticed. Allocating resources in the most optimal way is absolutely fundamental.
💡 Do you want to retire with confidence, or spend your golden years worrying about money? A plan gives you the clarity and control you need. That's the true value of a Wealth Planner like myself.
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How You Benefit From My Services
1
Gain Complete Clarity Over Your Wealth
Understand exactly where you stand - see what’s working, uncover any shortfalls, and know precisely what needs improvement. I provide you with a clear, actionable pathway to financial success, giving you the confidence to make informed decisions.
2
Proactive and Ongoing Counsel to Stay Ahead
With ongoing support and proactive adjustments, we ensure your wealth strategy evolves with changes in markets, tax regulations, and your own priorities. You’ll always be several steps ahead, no matter what.
3
Secure and Preserve Your Wealth for Generations
Your wealth deserves unwavering protection with strategies designed to mitigate risks and ensure long-term preservation. We focus on securing your assets against uncertainty—maintaining your financial legacy so you and your family can thrive without fear of loss.
An Easy, Streamlined Process
1. Apply
Apply to work with me today, and I will get back to you within 24h with a response.
2. Discovery
We book a 1h15 initial consultation, where we discuss your current position and future goals.
3. Research
After our meeting, I go do all the necessary research and compile a Wealth Report for you.
4. Solution
We then meet again to discuss my findings and professional recommendation.
5. Implementation
If you are happy with everything, my team and I will begin implementing the advice.
See What My Clients Say About Me...
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Have you helped Oil Executives in the past?Yes, I have helped Oil Executives from Shell, Exxon, Chevron, Saudi Aramco, BP, and many more, including with offshore contributory schemes, final salary schemes, and across various jurisdictions from North America to Asia.
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How much money do I need to invest with yourself?£250K is the minimum lump-sum investment. If doing monthly contributions, we'd expect a minimum of £5,000 per month contributed.
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What's the cost of your services?The beauty of our services is that they're at our expense, and free to you unless you decide to proceed with our advice. You get to 'test-drive the car' before committing to it. We provide a free initial consultation and will provide a full financial planning report at our expense detailing our professional advice. If you find that to be valuable, you can implement it, which we will do for you at the hourly rate displayed in our initial report. Our minimum fee is £5,000.
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I already have a Wealth Planner, why should I reach out to you?While most planners out there offer great servicing, some fall short. I take a holistic approach to managing your entire financial ecosystem, integrating tax strategies, estate planning and investment management to help you achieve long-term wealth preservation.
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Isn't Wealth Planning only for the super-wealthy?No. It is for anyone looking to optimise their financial position, minimise tax liabilities, and secure their assets. A great planner will always consider clients from all backgrounds. The truth, however, is that to provide an excellent service, planners dedicate countless hours and expenses to compliance, technology, ITT security, education, learning, and yourself, as a client, and thus the cost can be elevated.
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Can't I just manage my investments myself?Yes, of course you can. However, wealth planning is far above and beyond picking the right investments - and trust me, most people don't know how to invest half as well as they think they do. But wealth planning is fundamentally about the holistic management of tax efficiency, risk management, estate planning, succession, and much more.
Eduardo Ferreira Simoes is an adviser with Julian Harris Financial Consultants of Julian Harris House, Musgrove, Ashford, Kent TN23 7UN, who is authorised and regulated by the Financial Conduct Authority. Our FCA Register number is 153566. Our permitted business is advising and arranging Mortgages, Non-investment insurance contracts, investments and pensions. You can check this on the FCA’s Register by visiting the FCA’s website www.fca.org.uk or by contacting the FCA on 0800 111 6768.