Consulente finanziario per espatriati a Sint Maarten

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

Confronterò alcune delle opzioni disponibili a livello locale, insieme a opzioni più portatili, online e internazionali come quelle che offriamo noi.

Per qualsiasi domanda, o se state cercando di investire come espatriati, potete contattarmi utilizzando questo modulo, o tramite la funzione WhatsApp qui sotto.

In qualità di espatriati, ha senso avere un'opzione portatile, piuttosto che una localizzata, e noi siamo specializzati in questo. 

Introduzione

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.

Chi è un consulente finanziario?

Consulente finanziario - è uno specialista molto importante. È uno specialista degli investimenti che sa come risparmiare e aumentare i fondi. Valuta la condizione finanziaria e le risorse del suo cliente, sviluppa per lui una politica di investimento, uno schema per lavorare con banche, società di brokeraggio e assicurazioni, lo aiuta a prendere decisioni finanziarie e a gestire il budget. Idealmente, un consulente è in grado di risolvere tutti i problemi finanziari di un'azienda o di un individuo.

This is a specialist who advises on financial policy issues at different levels. He can work both as an individual and in the status of a legal entity. This does not change its function.

He advises clients on saving or increasing money, assesses their financial condition, develops investment policy, a scheme for working with banking institutions, and makes management decisions. And most importantly, it helps expats understand the financial system of the country they are moving to.

Today we will mainly focus on three main categories of financial advisors, namely:

• consulenti finanziari bancari
• consulenti finanziari locali
• consulenti finanziari online

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

Consulenti finanziari bancari

Trasferirsi all'estero, La maggior parte degli espatriati inizia la propria carriera finanziaria con l'apertura di un conto corrente bancario. La scelta della banca giusta e del conto giusto è un processo piuttosto complicato che si deve affrontare da soli. Gli stranieri nel Brunei devono consultare un consulente finanziario della banca per essere sicuri di aver fatto la scelta giusta.

Questo tipo di consulente finanziario è molto necessario quando gli espatriati hanno a che fare con vari tipi di servizi bancari. Una delle cose più importanti di cui gli espatriati hanno bisogno quando investono è un conto di risparmio.

Un conto di risparmio o di investimento è un tipo di conto che offre ai clienti un modo semplice per prelevare o depositare denaro in qualsiasi momento e ovunque senza restrizioni. È la scelta migliore sia per chi vuole tenere il proprio denaro al sicuro sia per chi ha bisogno di utilizzarlo ogni giorno.

Consulente finanziario locale

Ci sono molte idee sbagliate sul ruolo di un consulente finanziario e sulle differenze tra i professionisti del mercato finanziario. La realtà è che avere un esperto che vi aiuti a navigare nel mercato finanziario e a scegliere un investimento di ristorazione basato sulle vostre esigenze individuali può essere estremamente vantaggioso nel lungo periodo. Soprattutto i consulenti fiduciari locali, che hanno l'obbligo legale ed etico di mettervi sempre al primo posto.

Molte persone preferiscono un consulente finanziario locale per la convenienza, l'interazione e altro ancora. Ecco i principali motivi e vantaggi della scelta di un consulente locale:

Personal communication

Sì, alcune persone si fidano solo di persona, soprattutto quando si tratta di denaro. Se non vi sentite a vostro agio nel fare affari online, un consulente finanziario locale potrebbe fare al caso vostro.

Many people prefer personal, human contact – especially the older generation raised on bricks and mortars rather than doing business online, so a local financial advisor is the preferred advisor.

Oltre alla gestione del vostro portafoglio di investimenti, i vantaggi di un consulente finanziario tradizionale locale includono la possibilità di discutere le vostre domande e i vostri dubbi ogni volta che lo desiderate, ovunque vi troviate.

Gli incontri diretti possono aiutarvi a chiarire i vostri costi e obiettivi fissando un appuntamento di valutazione e programmando revisioni periodiche. Tutti i consulenti sono individuali, per questo motivo è importante fare un'attenta analisi e porre domande per trovare qualcuno che soddisfi le vostre esigenze individuali.

Esperienza locale

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 decisione chiave è un consulente finanziario locale. Di solito sono istruiti e attenti alle leggi e alle normative vigenti nel Paese. Sono quindi un'ottima risorsa se si vuole investire localmente per favorire la crescita della propria area, città o stato.

Tenete presente che l'investimento locale può darvi due tassi di rendimento: uno diretto per il vostro portafoglio e l'altro attraverso la vostra comunità. È sempre più evidente che, rispetto alle loro controparti non locali, le imprese locali hanno un impatto sullo sviluppo economico locale da due a quattro volte superiore per ogni dollaro speso per loro.

Quindi, se avete un portafoglio di investimenti che comprende aziende locali, i vostri dollari continueranno a circolare e a migliorare il benessere dell'intera comunità, creando nuovi posti di lavoro, aumentando il reddito e, in ultima analisi, sostenendo il finanziamento di scuole, parchi, servizi di polizia e antincendio e aree sicure e prospere.

Un consulente finanziario esperto e locale può aiutarvi nella due diligence per assicurarsi che l'investimento locale abbia senso.

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.

Consulenti finanziari online

This is by far the best option. The concept of having a financial advisor on the Internet is a relatively new concept.

This is a model that has successfully proven itself in all developed countries. Generations X and Y are used to interacting with people on the Internet. Whether you share selfies with friends and family on Facebook and Instagram, or via Skype video calls, we are open to daily online communication with those who matter to us.

Here are some of the benefits of an online financial advisor who will tell you about the benefits of a financial advisor who uses technology and wants to contact you.

Different locations

If you’re in a relationship and your finances are combined, your financial planner needs to talk to both of you, so we’re all on the same page.

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.

Having an online financial planner solves this problem. You can join a video conference wherever you are, and your partner can also join the same conference.

You all get the same message and know exactly where you are with your finances and what next steps you need to take to achieve what you want.

Documentazione online

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?

As an online finance consultant, we are taking advantage of technological advances. Therefore, we can safely send you all these documents online by email.

But the most interesting thing is that you can put your electronic signature! Use a few clicks to sign documents to flip your superuser, customize attachments, and implement Plan B.

Tutti questi documenti saranno pubblicati in modo sicuro su un portale online a cui solo voi e il vostro consulente finanziario online avrete accesso.

Molte persone possono approcciarsi a questo strumento con scetticismo, il che ha anche una sua spiegazione. È un concetto relativamente nuovo e per le persone è difficile abituarsi ad alcune cose che possono essere fatte anche su una piattaforma online, ma è un ottimo strumento che fa risparmiare tempo e vantaggi in primo luogo.

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.

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