About Us

About us: Offering the best Financial advice and services for over 15 years.
Ethical and sustainable investments for now… and your future.

About Us

About us Maxis Tower, Kuala Lumpur

We provide expats and investors with the the best offshore investments that are flexible, secure, lower cost, ethical and sustainable.

 

My name is Stephen Strowger and I am the founder of Ethical Offshore Investments.

 

My career in financial services started back in 1988 when I joined the Commonwealth Bank of Australia. After obtaining a dealers licence (via Commonwealth Securities) in 1998, a career change saw me moving to an accounting firm where I was the qualified financial planner, dealing predominately with Retirement and Estate Planning strategies.

 

An opportunity to work overseas in Asia became a possibility and I made the move to Asia in 2008, working for a global wealth management company, initially as an advising consultant but later moving to the position as a Private Client Adviser and head of the Portfolio Management team.

 

Unfortunately, it was my time working in the offshore financial industry where I witnessed, well there is no nice way of saying it, some very questionable activities taking place. This was in the form of recommendation of certain products (not appropriate for the client but paying big commissions to the adviser), non discolure (hiding) of fees & charges and the placement of investments into schemes that were not regulated or even researched. It didn’t sit well with me…. Especially when many affected clients of other advisers came to me for assistance.

 

As a result of what I witnessed, I decided to make a stand and establish Ethical Offshore Investments……. providing information and advice on how to invest in a sustainable way for now & well into the future, but providing this advice in an ethical manner. This means full disclosure….

 

So how do we get paid..??

 

About Us CEO Suite

This does depend on the service that we are providing. If we are providing a Portfolio Management service, there is a management charge transaction that is deducted from the portfolio, either on a monthly or quarterly basis, depending on the platform being used. This is fully disclosed and agreed to by the client before we commence. As explained in the Portfolio Management section, by charging a fee and not being in receipt of fund commissions, this ensures that we are proposing what we believe are the best funds for the clients personal needs and investment objectives….. and not investing in certain funds because they pay commission.

 

We also get paid for the setting up of a new product which is once again, fully disclosed & agreed to by the client prior to the application process. This will either be in the form of a % being deducted from the invested amount or when using a Life Company, a commission amount being paid by the Life Company. This generally results in 100% of the clients money being invested from day 1, but there would be a deferred establishment fee charged to the client over a period of time (usually over 5 or 8 years) to pay for the ‘commission’ paid to us. We do stress the point that this type of structure can result in an early surrender charge being imposed if clients close their accounts prior to the commission payment being fully recovered from the establishment fee.

 

We have provided more information on charges (& how to potentially reduce them) in our section Full Transparency – what is the real cost of investing.

 

For details on who we have Terms of Business with, please go to Financial Planning

We work with: