News & Insights

SPOTLIGHT ON… Rosemary Sheppard, International Financial Adviser

Steering clients towards a prosperous retirement

In a far cry from her earliest days in local banking in the UK, Rosemary now specialises in helping expats in France to optimise their pensions, retirement accounts, savings and investments to fit with their cross-border tax situation and inheritance plans.

Rosemary is a natural communicator and people person; she considers it a priority to help clients fully understand their options rather than simply drawing out a roadmap to steer them down a particular route. This collaborative approach has proven to be incredibly successful and Rosemary takes enormous satisfaction in the fact that many of her clients go on to refer her to their friends. As she says, “People only do this when they trust you and you’ve done a good job for them.”

An eye on the future

Despite welcoming the enhanced regulatory environment that came into being following the 2008 banking crisis, Rosemary says that she is looking forward to a day when it is easier and less costly for clients to track down and receive compensation from funds and / or financial advisers who have mis-sold investments. She is particularly vexed by instances where advisers are able to return to work or start another company remaining financially and professionally unscathed by their transgressions.

The French Connection

Rosemary was attracted to France for precisely the same reasons as her clients: culture, food, good weather and amazing scenery. She is particularly connected to the Dordogne Region, a place she describes as the “land of a thousand and one chateaus”. She also feels a spiritual connection to the world-famous Lascaux caves, which are 10 minutes away from the place where she lives and works.

Rosemary believes that her expertise and region-specific knowledge give her the ideal platform to assist the financial plans of hundreds of expats in the Dordogne. As she says, “Each client has their own specific needs”, but by listening to their individual day-to-day circumstances and broader financial goals she is able to understand how these fit within the cross-border context so that her clients can achieve a financially secure future.

How Rosemary could help you

Rosemary’s one golden piece of advice for expats in France is to seek help from a professional who lives in the same country as you. Preferably, the adviser should have been living there for at least three years as only then can they really understand the complexities of financial services in that region and the day-to-day issues that you face as an expat.

Rosemary is bilingual, she understands both the British and French financial climates. She has lived in France for many years and is happy at Blacktower in France because she is grateful for the opportunity to offer her clients “the best and most appropriate advice tailor-made to meet their specific needs”.

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However, as it is by definition, self-invested, a SIPP also brings with it certain amount of responsibility. Of course, the burden can to some extent be minimised if you have a financial adviser or wealth manager to act on your behalf, but even if you take advice, there may still be an element of DIY investment to your SIPP.

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