GMS Financial is one of Asia’s leading advisors, offering quality professional independent advice to expatriates since 1994, our range of services include: Protection Products • International Medical Insurance & Evacuation • Personal Accident Protection • Income Protection • Critical Illness Protection • Personal Life Assurance & Terminal Illness Investments • Children’s Trust Accounts • School Fees & University Planning • Personal Retirement Planning • Unit Trusts, Mutual Funds, Capital Secured Investments • Independent Portfolio Management Succession Planning • Trust Planning • Personal Estate & Inheritance Tax Planning Financial Planning for Business Owners & Professionals • Director Share Protection • Partnership Protection • Key Man Protection • Corporate Succession Planning • Corporate Loan Protection • Executive Retirement Planning Group Protection Business • Group International Health • Group Life Assurance & Terminal Illness • Group Critical Illness • Group Total Permanent Disability Protection • Group Retirement Planning We aim to work closely with our clients so that they can be confident that the products we recommend offer value for money, are clearly understood, and meet YOUR reasonable expectations. These policies are administered in a clear and transparent manner for the benefit of our clients. We recommend only products and services offered by the leading international insurance and fund management providers each regulated and licensed to conduct their respective business and have a good reputation and demonstrate consistent fair treatment of their policyholders/clients within their culture, procedures, and business standards. Some insurance companies and service providers may not meet our standards and for this reason we will not recommend or promote these products.