Expat financial advisor in Sint Maarten

Expat financial advisor in Sint Maarten – that will be the title of this article.

Compararé algunas de las opciones disponibles a nivel local, junto con otras más portátiles, en línea e internacionales, como las que nosotros ofrecemos.

Para cualquier pregunta, o si desea invertir como expatriado, puede ponerse en contacto conmigo utilizando este formulario, o a través de la función WhatsApp.

Tiene sentido tener una opción portátil como expatriado, frente a una localizada, y eso es algo en lo que nos especializamos. 

Introducción

Saint-Martin / Saint-Martin has regions of stunning natural beauty with magnificent views of the turquoise Caribbean Sea – all the way to Saint Kitts and Montserrat on a clear day. There are valleys with untouched vegetation and a truly tropical atmosphere. Many white sandy beaches are secluded for complete privacy. But it cannot be denied that the island is densely populated, and economic success comes at the price of urban sprawl and rush hour traffic.

Sint Maarten is part of the Kingdom of the Netherlands in the Caribbean. With a population of 41,486 as of January 2019 and an area of ​​34 km2 (13 sq mi), it covers the southern 40% of the divided island of Saint Martin, while the northern 60% of the island is overseas in France. collective Saint-Martin. The capital of Sint Maarten is Philipsburg. Collectively, Sint Maarten and the other Dutch islands in the Caribbean are often referred to as the Dutch Caribbean Islands.

Until 10 October 2010, Sint Maarten was known as the Sint Maarten Island Territory and was one of the six island territories that make up the Netherlands Antilles. Sint Maarten has Overseas Country and Territory (OCT) status and is not part of the European Union.

But have you ever thought about moving to the Caribbean? Depending on where you are moving from, it may feel like being transported to another world. Of course, you could have vacationed in the Caribbean before, but living there is a completely different matter, which makes things more interesting.

If you’re ready for the change of pace and adventure of a lifetime, consider moving to Sint Maarten and starting a totally new life there.

The French and the Dutch have lived together on Saint-Martin/Sint-Maarten for over three hundred years. On this 37 sq. Miles, the Dutch and French have formed a tourist destination that rivals all other islands in the Caribbean. Their distinctive culture supports the eyes and satisfies the soul. Sint Maarten is one of the islands in the Caribbean that is very diverse and interesting. The island is home to about 80 nationalities. This means you will fit exactly!

Here’s what you should know:

• Sint Maarten has 37 beaches.
• Sint Maarten is known as a gastronomic place in the Caribbean.
• The Heineken Regatta is held on Sint Maarten every year.
• There are no annual property taxes for owners.
• There is no capital gains tax for residents.
• Sint Maarten – Duty Free Port
• Sint Maarten operates under the European title system.

Due to the America-Holland Friendship Treaty, US citizens will not be required a work permit to live on the island. If they wish to stay longer than 6 months, they must apply for admission under the law. June to November is the hurricane season.

Sint Maarten is the safest and calmest place you can live on. Many locals work in the tourism industry and the island’s popularity has allowed them to live a middle-class lifestyle. This prosperity has greatly influenced the way of thinking of the people living on the island.

This does not mean that there is no crime on the island. Behave as you would in your home country, and you will find that the island looks like your current home.

Since the island is popular with tourists and expats from all over the world, you will have ample access to animal amenities. Supermarkets are modern and well stocked. Drinking water is not a problem either. Internet access is decent speed. You can also find a wide variety of accommodations. If you want to rent, you can find studios, one or two bedroom apartments. If you want to own, there are properties with the most striking views.

Your own car is the best way to get around Sint Maarten. Public transport is available as well as a convenient way to get around the island. Taxis exist and can quickly become expensive. There are car dealerships on Sint Maarten selling new cars. Residents also sell their personal cars in local newspaper advertisements or in groups on social networking platforms (Facebook, Twitter). Many people choose to import a car to Saint Martin simply because of the cost-effectiveness and hassle-free process; Saint Martin is a duty-free port.

Finding a job is easy if you enjoy outdoor activities. There are plenty of opportunities for boating and construction work. There are other industries on the island worth exploring, such as hospitality management, timeshare sales and catering. The island slows down if storms and hurricanes hit it. Planning for this opportunity will go a long way. When tourists stop coming to the island, work slows down, so it’s important to set aside money for preparation.

One thing is for sure: you will never get bored – there is plenty to do on Sint Maarten. From casinos to hookah lounges, restaurants to nightclubs on Sint Maarten, everyone will find something to do after hours.

Economy of Sint Maarten

Sint Maarten, along with Curacao, uses the Netherlands Antilles guilder as currency. The economy relies heavily on tourism, be it long stays or day trips from the many cruise lines that dock at Philipsburg Harbor; about 80% of the workforce is employed in this sector. Agriculture is somewhat limited, but most of the food is imported.

Hurricane Irma seriously affected the economy in 2017. A 2019 report found that the island’s GDP fell 4.7% due to rising inflation. This sharp blow to the economy was caused by a decline in tourism, real estate, trade and business activity.

The economic success of the tiny island of Sint Maarten, with its open border policy, has turned it into a magnet for workers from neighboring islands looking for work to improve the lives of their families at home. Most of the inhabitants of Sint Maarten / Saint Maarten are expats from other Caribbean islands. Most plan to stay here for a short time, maximum for a year or two.

There is no desire to decorate a temporary dwelling used only for recreation after 16 hours of work. Now many of these people find themselves in the same place twenty years later and never leave the island. But it is precisely this sense of transient life that causes certain areas of the Caribbean to be neglected. Both sides of the island have laws on minimum wages, social services, compulsory insurance and labor protection.

The island has good business and job opportunities, and especially skilled professionals can benefit from the vibrant economy. And for business people having a financial advisor can be a necessity, that is why later in this article we will talk about the need of a financial advisor and mention the main important points where you can fully rely on them.

¿Quién es un asesor financiero?

Un asesor financiero es una persona muy importante. Es un especialista en inversiones que sabe cómo ahorrar y aumentar los fondos. Evalúa la situación financiera y los recursos de su cliente, desarrolla para él una política de inversión, un esquema de trabajo con bancos, agencias de valores y compañías de seguros, le ayuda a tomar decisiones financieras y a gestionar el presupuesto. En el mejor de los casos, el asesor es capaz de resolver todos los problemas financieros de la empresa o el particular.

Se trata de un especialista que asesora sobre cuestiones de política financiera a distintos niveles. Puede trabajar tanto a título individual como en calidad de persona jurídica. Esto no modifica su función.

Asesora a los clientes sobre cómo ahorrar o aumentar el dinero, evalúa su situación financiera, desarrolla una política de inversión, un esquema de trabajo con las entidades bancarias y toma decisiones de gestión. Y, lo que es más importante, ayuda a los expatriados a entender el sistema financiero del país al que se trasladan.

Pero hoy nos centraremos principalmente en tres categorías principales de asesores financieros, a saber:

• asesores financieros bancarios
• asesores financieros locales
• asesores financieros en línea

The consultant must be well versed in a specific area of ​​finance, but can also be a multidisciplinary professional. Let’s now revise each mentioned type of a financial advisor.

Asesores financieros bancarios

Trasladarse al extranjero, mainly expats start their financial careers by opening a bank account. Choosing the right bank and the right account is a rather complicated process that you will have to figure out on your own. Foreigners in Sint Maarten need to consult with a financial advisor to a bank to make sure they have made the right choice.

Este tipo de asesor financiero es muy necesario cuando los expatriados tratan con diversos tipos de servicios bancarios. Una de las cosas más importantes que necesitarán los expatriados a la hora de invertir es una cuenta de ahorros.

Una cuenta de ahorro o de inversión es un tipo de cuenta que ofrece a los clientes una forma fácil de retirar o depositar dinero en cualquier momento y lugar sin restricciones. Es la mejor opción tanto para los que quieren mantener su dinero seguro como para los que necesitan utilizarlo a diario.

Asesor financiero local

Hay muchas ideas equivocadas sobre el papel de un asesor financiero y las diferencias entre los profesionales del mercado financiero. La realidad es que contar con un experto que le ayude a navegar por el mercado financiero y a elegir una inversión de restauración basada en sus necesidades individuales puede ser extremadamente beneficioso a largo plazo. Especialmente los asesores fiduciarios locales, que están legal y éticamente obligados a ponerle siempre a usted en primer lugar.

Muchas personas prefieren un asesor financiero local por su comodidad, interacción y mucho más. He aquí las principales razones y ventajas de elegir un asesor local:

Comunicación personal

Sí, algunas personas sólo se fían personalmente, sobre todo cuando se trata de dinero. Si no se siente cómodo haciendo negocios en Internet, un asesor financiero local puede ser lo más adecuado para usted.

Mucha gente prefiere el contacto personal y humano, sobre todo la generación de más edad, que se crió en el ladrillo y el mortero en lugar de hacer negocios en línea, razón por la cual un asesor financiero local es el preferido.

Además de gestionar su cartera de inversiones, las ventajas de un asesor financiero local tradicional incluyen la posibilidad de comentar sus preguntas e inquietudes tantas veces como quiera, en cualquier lugar.

Las reuniones cara a cara pueden ayudarle a aclarar sus costes y objetivos concertando una cita de evaluación y programando revisiones periódicas. Todos los asesores son individuales, por eso es tan importante fijarse bien y hacer preguntas para encontrar a alguien que se adapte a tus necesidades individuales.

Experiencia local

Sint Maarten is a foreign country and for many expats, the laws may be different, investment options, savings accounts and more may require different skills.

La decisión clave es un asesor financiero local. Suelen estar formados y centrados en las leyes y normativas que rigen en el país. Por eso son un gran recurso si quieres invertir localmente para impulsar el crecimiento en tu zona, ciudad o estado.

Tenga en cuenta que la inversión local puede reportarle dos tasas de rentabilidad: una directa para su cartera y otra a través de su comunidad. Cada vez hay más pruebas de que, en comparación con sus homólogas no locales, las empresas locales tienen entre dos y cuatro veces más impacto en el desarrollo económico local por cada dólar que se gasta en ellas.

Así que si tiene una cartera de inversiones que incluya empresas locales, sus dólares seguirán circulando y mejorando el bienestar de toda su comunidad mediante la creación de nuevos puestos de trabajo, el aumento de los ingresos y, en última instancia, el apoyo a la financiación de escuelas, parques, policía. y servicios de bomberos; y zonas seguras y prósperas.

Un asesor financiero local experto puede ayudarle con la diligencia debida para asegurarse de que su inversión local tiene sentido.

Investing in Sint Maarten property

The partly French, partly Dutch island of Saint-Martin / Saint-Martin has everything from exclusive residential developments to new condominiums at a more modest price, with a well-developed and diverse real estate market.

If you are currently considering investing in real estate in Saint-Martin / Saint-Martin, but wondering how to do that or where to invest, you’ll find out below.

On the French side, Terres Basses (lowland) is home to some of the island’s most opulent luxury homes. Luxury homes and villas are located on the hillsides and along the beautiful beaches at Baie Rouge and Baie Long. Orient Bay on the north coast, known for one of the best beaches on the island, is also a popular home buying destination.

The Dutch side of the island offers a very wide range of properties from inexpensive condominiums to luxury apartments, as well as beach and waterfront villas. Popular areas for investment include Simpson Bay, Cupecoy and Maho on the west coast, and Orient Bay and Guana Bay on the east coast.

For centuries, business has been conducted on and with the island of Saint Martin. We will tell you a few reasons why you should take part:

• Security. The governments of Saint-Martin and Sint-Maarten are democratically elected and governed according to reliable standards. Here contracts are always valid – without any reservations.
• Good environment that stimulates business. After the export downturn, the island relies on fresh ideas and actively encourages them. Tourism is booming now, but smart entrepreneurs will discover many other areas of business.
• Excellent infrastructure. If you start a business here, you don’t need to start from scratch. Your business can profit from reliable communications, logistics, finance and services. Commercial real estate for various business areas is available for rent or purchase. And as a broker, contractor or artisan, you can take advantage of the growing real estate market.
• There are no required business partners. Unlike in other countries, you do not need to involve local shareholders or fulfill a certain quota.
• No import customs fees. Just take everything you need with you: cars, furniture or goods.
• Excellent growth prospects. Saint-Martin suffered a setback in development due to Hurricane Katrina. The island is looking to make up for lost time, but the potential is still great!
• Partners and markets in close proximity. In Saint Martin, you can profit from a large number of markets in South America, Central America and North America. In addition, you can take advantage of a wide variety of offshore properties.
• Nice working environment. Beaches instead of cabins. In Saint-Martin, the climate has a positive effect on employee productivity. In addition, a workplace under the palm trees is a good argument for attracting professionals to your business.
• Become part of the success of Saint-Martin. Naturalization procedures in Sint Maarten are associated with fewer administrative hurdles than anywhere else. This way, you can use your business success to shift the center of your life forever.
• Saint Martin is beneficial for everyone. The island is increasingly transforming from a purely tourist island into a place where people enjoy living and working. This means that here you can build your life by doing crafts or providing services.

Asesores financieros en línea

Esta es, con diferencia, la mejor opción. El concepto de tener un asesor financiero en Internet es relativamente nuevo.

Se trata de un modelo que ha demostrado su eficacia en todos los países desarrollados. Las generaciones X e Y están acostumbradas a interactuar con la gente en Internet. Ya sea compartiendo selfies con amigos y familiares en Facebook e Instagram, o mediante videollamadas por Skype, estamos abiertos a la comunicación diaria en línea con quienes nos importan.

Estas son algunas de las ventajas de un asesor financiero en línea que le hablará de las ventajas de un asesor financiero que utiliza la tecnología y quiere ponerse en contacto con usted.

Diferentes lugares

Si estás en una relación y vuestras finanzas están combinadas, tu planificador financiero tiene que hablar con los dos, para que todos estemos en la misma sintonía.

There is nothing worse when a partner tries to explain to another partner a conversation they had with their financial planner. However, in today’s society, getting both of you in the same room in one place can be extremely difficult. You might both be at work, or one might be at home with the kids and the other might be at work.

Contar con un planificador financiero online resuelve este problema. Puedes unirte a una videoconferencia estés donde estés, y tu pareja también puede unirse a la misma conferencia.

Todos reciben el mismo mensaje y saben exactamente en qué punto se encuentran con sus finanzas y qué próximos pasos deben dar para conseguir lo que desean.

Documentación en línea

Financial planning requires a LOT of documents. Those receiving basic financial planning advice will easily find hundreds of pages of documentation with tips included.

There will be many documents that will also require your signature. Where do you keep all this documentation? Especially if you love to travel?

Como asesores financieros online, aprovechamos los avances tecnológicos. Por lo tanto, podemos enviarle con seguridad todos estos documentos online por correo electrónico.

Pero lo más interesante es que ¡puedes poner tu firma electrónica! Utiliza unos pocos clics para firmar documentos para dar la vuelta a tu superusuario, personalizar archivos adjuntos e implementar el Plan B.

Todos estos documentos se publicarán de forma segura en un portal en línea al que sólo tendrán acceso usted y su asesor financiero en línea.

Mucha gente puede abordarlo con escepticismo, lo que también tiene su explicación. Es un concepto relativamente nuevo y a la gente le cuesta acostumbrarse a algunas de las cosas que también se pueden hacer en una plataforma en línea, pero es una gran herramienta que te ahorra tiempo y beneficios en primer lugar.

This is all the information you need to know about how to find a financial advisor in Sint Maarten to help you with every financial goal you need to achieve. The choice is, of course, up to you, but online financial advisors are definitely winning this competition.

¿Le duele la indecisión financiera? ¿Quiere invertir con Adam?

Adam es un autor reconocido internacionalmente en temas financieros, con más de 291,9 millones de respuestas vistas en Quora.com y un libro muy vendido en Amazon.