I have over 20 years experience as both a UK based IFA and an offshore financial adviser, I started in London in 1992 after leaving HM forces, I qualified in March 1993 and then spent 6 years in London. I moved to Cyprus with my wife and two girls in 1998. We had two more children whilst living in Cyprus. I enjoyed living and working in Cyprus we made many friends and it was an excellent place to raise a family. I worked and spent a great deal of time in other areas including Romania, Czech Republic, Grand Cayman and the Middle East, as well as Kazakhstan. Over the years as an offshore IFA I have experienced both good times and bad in regard equity markets and asset management. The world has suffered quite a number of financial meltdowns from the net bubble at the start of the decade, to the liquidity and debt crisis which is still ongoing. I have learned and experienced a great deal over this period certainly about the importance of long term planning and risk management. As well ...