Frequently asked questions

General

Who is Dunhill Financial?


We are a group of international financial planners offering fee-based planning and wealth management solutions to primarily (but not exclusively) English-speaking expatriates. Our aim is to create an environment of trust, discretion and confidence through offering personalized solutions. We cater towards clients all across the globe by offering a variety of products and services that are tailored towards the individual.




What does Dunhill Financial do?


We deliver smart-designed portfolios expertly managed to put your money to work whilst naturally hedging the portfolios towards the geogrpahic location where you intend to retire. By asking you a few questions, we can understand your aims, how much you want to invest and the level of risk that you are comfortable with. We then select a globally-diversified portfolio for you designed to grow alongside you over the long term whilst avoiding the risks of investing too much in a specific company, industry or country. Once you are happy with your portfolio, we continuously monitor your portfolio rebalancing if necessary. We do all of this for a competitive low fee meaning more of your wealth is invested expertly and professionally.




How can I get in touch with a representative from Dunhill Financial?


Please email info@dunhillfinancial.com. We are happy to answer all your questions or inquiries that you may have.




How is Dunhill Financial different from other investment advisors?





Where are we based?


With our office locations in Canary Wharf, in the district of London. We also have members of our team in other locations in the United Kingdom and Europe.




Do you only advise US expats?


Although we specialise with US expats and their unique situations, we also deal with clients all across the globe of any nationality. So get in touch with us to find out how we can help in your situation.




What is a Fiduicary?


As fiduciaries, we ensure that the financial advice we provide you is objective, unbiased and in your best interest. Find out more out more in our video below.





Investments

What types of investments does Dunhill Financial offer?


We have access to a wide range of products and complex instruments to suit every individual. We generally limit our types investment advice and/or money management to:

  • Mutual funds
  • Equities
  • Bonds
  • Fixed income
  • Debt securities
  • ETFs
  • Hedge funds
  • REITs
  • Insurance products including annuities
  • Government securities




What is a model portfolio?


An inevstment portfolio is a box of different assets these assets can include equity & fixed income, cash instruments and other more exotic holdings. The goal of a portfolio is to be diversifed to meet the investors goals.




How do we assess risk?


We use a risk number which is a proprietary scaled index developed by Riskalyze to reflect your risk. The Risk Number is at the heart of a sophisticated set of tools to precisely measure the appetite and capacity for risk that you have and demonstrate your alignment with the portfolio we recommend.




What is diversification and how does that benefit my long-term plan?


It is a good idea to diversify your investments because no single asset class performs the best in all economic environments and different asset classes tend to react differently to events. ‘Don’t put all your eggs in one basket’ is often a sound investment approach. Although we would go further and say diversification is the most important factor in achieving long-term investment goals, as it reduces the risk associated with a given expected return. Thus, diversification enables you to achieve a higher return for the same level of risk. And ETFs play a crucial role in all of this, as they provide instant diversification – if used correctly. That is why we build you a robust, globally diversified portfolio using a carefully selected blend of ETFs tailored to your individual risk tolerance; avoiding risks associated with investing too much in a specific asset class, industry, company or country.




What is a natural currency hedge?


Natural hedging involves protection against risk by investing in separate groups of companies in different regions that have a negative correlation. This negative correlation means that one company’s negative change in value would be offset by the other company’s positive value change. Specifically with currencies, a natural currency hedge can help offset changes with two separate currencies. For example, if the dollar is weakening along with an American company, the loss can be offset by the strengthening of the Euro and an European investment.




Portfolio rebalancing


As the market is constantly moving, the initial allocation that you have invested in can become out of skew, which can lead to increased risk. Portfolio rebalacing is a way to make sure your investments are in line with your initial goals and risk assessment. We typically rebalance portfolios every quarter, to ensure your portfolios are well diversifed and kept in top condition.





Income vs Growth portfolios

How does Income portfolios differ from cash savings?





How often is the income received?





Are yields guaranteed?





Will I need to pay tax on the income?






What is an ETF?

Why do we use ETFs?





How does Dunhill Financial select which ETF to use?





Active vs Passive





What are the risks?






Fees & Taxes

Costs & Transactions charges





Tax implications?






IRAs, Traditional VS Roth?

What is an IRA?





What is the difference?





This year's IRA allowance?





What if I want to invest more than the yearly allowance?





Who can open an IRA?





Can I transfer my existing IRA?






Onboarding

How do I sign up?





Who can open an account?





How long does it take to set up an account?





Do I need to have a US mailing address?






Account Maintenance

Minimum Investments?





Can I add/remove cash?





How do I deposit into my account?





How do I withdraw money from my account?






Terms of service

Who are we regulated by?






Transfers

How long does it take to transfer investments from another provider?





What information will you need from me?





Are all investments transferable?





Is there a cost involved?






Trust • Discretion • Confidence • Personalized Solutions

© 2020 Dunhill Financial

Authorized and Regulated in the United States by the SEC as Dunhill Financial, LLC.

Dunhill Financial/BFMI are members of Nexus Global (IFA Network). Nexus Global is a division of Blacktower Financial Management (International) Limited (BFMI).

All approved members of Nexus Global are appointed Representatives of BFMI.

BFMI is licensed and regulated by the Gibraltar Financial Services Commission (FSC) and bound by the rules under licence number FSC00805B.