Living or working away from home isn't always plain sailing. new lifestyle can be as challenging as it is rewarding, and at these times, it's even more important than ever before to make adequate provision for yourself and those around you. You could be exposing them - and yourself - to possible risk.

At Thornton Associates Ltd, in the Isle of Man, we are able to provide solutions to the financial conundrums faced by expatriates in their private and professional capacities. This includes arranging plans with contributions and benefits payable in currencies other than £ Sterling.

Even if you have existing arrangements, it's wise to review them. Your retirement provision, your children's education, the well being of your family now and in the future - all need to be reassessed in the light of your current circumstances. Your privileged offshore status could mean that your arrangements can be made more effective.

At Thornton Associates Ltd. we offer completely impartial advice. Thornton Associates Ltd is a wholly independent intermediary, so we offer the most suitable products available on the market.

When you come to us for advice we evaluate the products available in today's complex financial world in the context of your specific circumstances and select only those that meet your need and budget. We act on your behalf and are responsible to you for the advice we give. It is our job to help you understand everything you need to know.

Let us chart your course using our experience as well as modern research and technologies available.

A complex financial situation requires professional help to arrive at the most effective solution. The financial circumstances of expatriates require particularly careful appraisal. Our extensive knowledge of both the UK and the offshore financial services industry means our recommendations will be carefully tailored to your particular situation.

New products come and go in all industries, and financial services are no exception. In a market place that is constantly changing and developing, it is essential to be vigilant in order to provide sound advice.

Not only this but your own circumstance may not stay the same and should thence be regularly reviewed taking into consideration changes in the future taxation, economic and political environments.

In good time, competitive cost and with minimum hassle. Using a quality and professional service that's always there for you. Today's world of efficient mobile communications means keeping in touch much more easily. Knowing your financial plans are being reviewed and that you're not on your own.......... Once investment arrangements have been made by Thornton Associates Ltd following a client's instruction, normally further advice will be given annually in the form of a review. However, we will be pleased to advise you and provide investment reviews more often if required.

These are available through both on and offshore insurance companies and investment fund houses. Offshore are those which are normally the offshore branch or subsidiary of a UK registered company ( i.e. the Isle of Man, Jersey, Guernsey, Dublin or Luxembourg). Underlying funds are thus more tax efficient in turn meaning an investors funds are protected from any tax liability on the growth of an investment.

Whilst you may be liable to domestic taxes in your country of residence at liquidation, you can control the timing of taking such benefits, and consequently when to pay any tax which is potentially due Minimum monthly regular premium for most providers is £100 sterling equivalent. Available currencies for investment are GBP£, USD$, Euro, HK$, CHF.

This is a lump sum investment provided by an insurance company, which (for offshore) is normally an offshore branch or subsidiary of a UK registered company ( i.e. the Isle of Man, Jersey, Guernsey, Dublin or Luxembourg). Underlying funds are thus more tax efficient in turn meaning an investors funds are protected from any tax liability on the growth of an investment since the bond is a non-income producing asset. This 'wrapper' allows many different underlying investments to be held within a simplified administrative vehicle and managed by 3rd party fund managers if necessary, with ownership in personal, trust or company name.

Whilst you may be liable to domestic taxes in your country of residence at liquidation, you can control the timing of taking such benefits, and consequently when to pay the tax due.

Minimum lump sum initial investment for most providers is £10,000 sterling equivalent. Available currencies for investment are GBP£, USD$, Euro, HK$, CHF. Of course you may not require a life bond 'wrapper' and we will be please to advise on a range of investment solutions.

Provides a cash payment on the diagnosis of any one of a range of specified medical conditions such as Heart Attack, Stroke, Cancer, Kidney failure, Permanent Total Disability. It is available on either an individual or joint basis, maximum age variable between insurers.

Provides a regular income when the insured is unable to work due to long term sickness or disability. We are able to transact business with UK insurers for Isle of Man residents subject to evidence of good health, occupational risk and country of residence.

Temporary Assurance is the simplest form of life assurance, providing a cash sum on death during the selected term without any cash sum being payable upon surrender or maturity. These types of plans are often used as security for a loan and may be assigned to a lender.

Whole of Life Assurance can provide life cover for the whole of life. These plans can be flexible as to the sum assured, premium paid, with different investment levels being available, which effects the overall cost. Regular reviews by the provider will ensure the premium level is sufficient to provide the required amount of cover and may result in premiums having to be increased or cover reduced.

Medical attention and treatment costs can be paid for through private plans. Different levels of cover can be arranged from in-patient treatment to levels of out - patient care and dental expenses.