Caledonian Global Financial Services – More than 40 Years of Solid Performance and Social Empowerment

As one of the most respected financial institutions in the world, Caledonian Global Financial Services continually meets the challenges of the modern era while consistently looking towards the future. Through its unrelenting pursuit of excellence while maintaining only the highest ethical standards, Caledonian continues to provide its clients with unparalleled financial services.

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Since 1970, Caledonian Global Financial Services has offered comprehensive international banking and consulting services. Founded by William S. Walker, OBE, in the Cayman Islands, Caledonian has been instrumental in developing legislation that has aided local economic development, and has furthermore implemented social initiatives that aid in the strengthening of communities.

Values, Integrity, Social Responsibility.

Caledonian Global Financial Services takes great pride in helping to create programs and scholarships that aid in students' academic endeavors. It has long been Caledonian's philosophy that strong economies are created by strong societies, and without educational opportunities, environmental responsibility, and excellent corporate citizenship, strong societies simply aren't possible.

Educational opportunities are more than just social obligations – they are crucial community investments. Caledonian has created a merit-based scholarship fund, in order to help create a thriving, educated, and skilled local resource. The scholarship is in the amount of $15,000.

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Financial matters are shockingly alien to many of our children, and this knowledge deficit threatens to undermine the economic stability of an entire generation. In order to foster early understanding of financial matters, Caledonian has furthermore launched the "Money Smarts" program, designed to give children between grades 6 and 9 a head start on financial literacy. The program includes courses on budgeting, saving, debt management, interest rates, identity protection, and the origins of currency.

Caledonian Global Financial Services is also dedicated to environmental health, and has pushed numerous marine life protection initiatives into action. Additionally, it has also converted its own Cayman Islands parking lot into a solar park, whose solar panels produce roughly half the total electricity used by the Caledonian Cayman Island structure.

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With integrity, excellence, and leadership as the moral pillars of its organization, Caledonian Global Financial Services will continue to serve its community and clients with the utmost dedication. To learn more about Caledonian Global Financial Services, please visit www.caledonian.com.

Caledonian Global Financial Services – Meeting the Needs of Ultra High Net-Worth Families

Wealth management strategists must have an extensive backlog of skills and expertise in portfolio management and asset allocation. However, how skilled are they in negotiating the organizational structure of ultra high net-worth families?

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The management of ultra high net-worth families presents unique challenges to wealth management firms. Unlike individuals or corporate entities, families can have a delicate interpersonal dynamic that can be highly demanding to manage. While professional spheres allocate specific duties to dedicated individuals, family members will often manage a broad spectrum of tasks without necessarily possessing the requisite expertise. Moreover, the emotional components can present difficulties and conflict within the family structure.

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When it comes to the wealth management of ultra high net-worth families, many wealth management services cannot negotiate the delicate terrain of multi-generational client needs. Because many ultra high net-worth families are managed internally by stakeholders and family members with divergent levels of expertise, agendas, and sensibilities, it is critical that advisors approach the individual situations with conflict resolution strategies and strong emotional quotient skills. Furthermore, full and fluid channels of communication must be established between client and advisor, so that both the overarching and internal challenges can be met directly and effectively.

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Caledonian Global Financial Services provides comprehensive wealth management services for both corporate and personal clients. Because client needs are paramount, Caledonian prides itself on maintaining consistent, productive, and open communications. Caledonian Global Financial Services is dedicated to structuring personalized asset management strategies, and tailoring all services to the client's particular needs. Whether the client is an individual or a part of a familial structure, Caledonian is prepared to honor any specific requirements pertinent to that client's current and future financial situation.

Caledonian Global Financial Services has spent more than 40 years helping clients achieve financial success. To learn more about Caledonian's services, please visit www.caledonian.com.

Caledonian Expanding Wealth Management Division in the Caribbean

Caledonian Global Financial Services is pleased to announce its plans to invest in its wealth management division to grow its Caribbean market. These plans have lead to negotiations to add additional team members from local competitors, the group had projected to double in size by 2016. 

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“We are seeking to become a dominant player in the Caribbean wealth management market, with our focus on cutting edge technology and a sophisticated understanding of our clients’ needs.” said CEO Kobi Dorenbush.

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“Having now consolidated our recently acquired discretionary investment management business, Caledonian Asset Management, under the Caledonian umbrella – it is an exciting time to be able to offer fully customized and managed portfolios to our existing and prospective clients. Working with Caledonian Securities gives us access to the global markets, efficient service and comprehensive reporting.” said Investment Manager Nancy Euvrard.

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Caledonian, a privately held financial services company based in the Cayman Islands for over 43 years, currently manages approximately $20 billion in assets. Caledonian’s clients include corporations, financial institutions, alternative investment funds and high net worth individuals. Caledonian offers a broad range of products and services, furthering their ability to deliver superior solutions to clients.

For more information on Caledonian Global Financial Services Inc. visit www.caledonian.com

Income Diversity – What is it?

Income Diversity – What is it?

Even if you have a solid job that pays reasonably well, you might still want to think of ways to protect yourself against fluctuations in the economy.  Experts at Caledonian Bank Limited stress that having more than one revenue stream – income diversity – can make the difference between mere stability and tangible wealth.

Income diversity includes all methods one might use to earn money, including investments.  To those of us who might not be in the economic top-tier, however, income diversity probably means holding more than one job.  While having multiple jobs is certainly necessary for a significant portion of the population (unfortunately), if you have a mind towards acquiring wealth, you might want to consider supplementing your current income.

But how is it reasonable to have multiple jobs in this economy, when so many people don’t even have one?  If you aren’t able to find a second job, or a second job that yields worthwhile income while fitting into your schedule, here are some other ways you can use to diversify your income.

Start your own business.  Of course, if you’re thinking big, like a major entry into the tech industry, you’ll need to invest significant savings as well as acquire additional capital, and that poses a risk many of us aren’t willing to take.  However, there are ways to supplement your existing income without having to go on “Shark Tank.”  If you have skills that other people may want to take advantage of, you could begin a freelance consultancy.  If you have a hobby website or blog, you can monetize it by using one of the many available search engine tools.

Asset management.  According to the experts at Caledonian Bank Limited, the wealthy are always looking at ways of making additional income, even if their primary revenue stream is substantial.  Asset management is not simply investing in stocks, since investments in property and commodities can often still be profitable even when the stock markets are on the decline.

Make your hobby work for you.  You may be surprised at the number of hobbies that have turned into full time, lucrative businesses and careers.  The key here is passion – if you believe in something – whether that be a college based dating site (the original Facebook), renting out your spare air mattress for an out of town guest (the original AirBnB), or creating a web page to find a new laser pointer (the original Ebay) – then you have a much greater chance of surviving and building something special.

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Also, please take express notice and be warned that Caledonian Securities Limited is not a broker dealer registered with the US Securities and Exchange Commission (“US SEC”). Caledonian Securities Limited is not offering investment advisory services to, nor is it offering to buy from, or sell securities to, US Persons. In addition, Caledonian Securities Limited is not offering services regarding, nor soliciting transactions in, securities within the US. Any U.S Person desiring investment advice or transactions in securities within the US should seek the services of a qualified broker-dealer or investment advisor registered with the US SEC.

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Get Wealthy by Living Like a Wealthy Person – Caledonian Bank Limited Explains

Get Wealthy by Living Like a Wealthy Person – Caledonian Bank Limited Explains

The task of managing one’s own vast wealth is certainly a problem most of us would like to have; at least it means that we have a tremendous amount of money that requires looking after.  However, even if we aren’t living like Saudi princes, we should nonetheless handle our personal finances with a mind towards enhancing them as much as possible. 

According to the experts at Caledonian Bank Limited, no matter what income bracket we’re in, we can all take tips from the wealthy when it comes to acquiring and saving money.  Here are a few “wealthy person habits” that you might want to adopt if you are interested in increasing your net worth.

Don’t spend needlessly.  Contrary to popular belief, behaving like a wealthy person doesn’t involve spending huge amounts of money on luxury items.  What is involved, however, is frugality; spending money within one’s limits.  Although it may seem as though a wealthy person is splurging on items that, to the rest of us, are well-nigh unaffordable, when taken in proportion to his or her own financial situation, those items aren’t breaking the bank.  Also, the truly wealthy don’t make a habit of buying needlessly extravagant items, anyway. 

Get yourself out of debt.  Debt is corrosive; while it may seem as though an outstanding credit card debt is only a few thousand dollars, if you only make the minimum allowable payment every month, you’ll wind up paying far more than your initial outstanding balance.  Paying off your credit card/student loan debt completely should be your priority.

Watch your pennies.  The old saying “penny wise, pound foolish” does not apply.  If you watch your pennies on the small transactions, then you will also be creating a healthy mindset when it comes to the bigger transactions.  Certainly, monies you save when buying a house or a car will dwarf those hundreds of smaller transactions we perform every day over many years.  But even the smaller transactions add up to a substantial amount of money over time.

Learnt to Negotiate.  Chester Karrass said it best “you don’t get what you deserve, you get what you negotiate.”  When it comes time to buy or sell those big ticket items, like cars and houses, make sure you know how to negotiate and that means being prepared.  The difference can be staggering.