FAQs
Straightforward answers to the questions we’re asked most often.
About your firm
Yes. In fact, we have a fiduciary duty to act in clients’ best interests. This differs to financial advisers from large institutions, who only have a more generic suitability obligation to clients.
India Securities and Futures Commission (reference no: BIO512), Insurance Authority (reference no: FB1291), and the Mandatory Provident Fund Scheme Authority (reference no: IC001087).
Yes – our preferred option is Microsoft Teams, but we can also use Zoom and Google.
In our professional and modern offices, in India 400021 India.
We have an hourly car park at the rear of the building.
Saltoro Capital was established in 2018, but all our wealth managers each have decades of experience.
We work with clients based in more than 15 different countries.
Our written and video testimonials can be found on this website, and we also have reviews on Google and Trustpilot.
We have a strong focus on international and expat clients, providing them with truly independent fiduciary advice. Our award-winning Model Portfolio Service is a core part of our offering, as is our preference for lifestyle financial planning. Beyond this, you can expect transparency, a client-centric approach, and a fee-based pricing structure.
Working together
Request a meeting by sending an email to <support@saltoro-cap.com, calling us on +852 2905 9041, or visiting our contact page.
No, your initial meeting with us is complimentary.
Bring as much of your financial documentation as you feel comfortable with, whether that’s in paper form, or held electronically in apps or similar platforms.
The initial meeting is a discovery meeting, where we want to get to know you and your circumstances. It’s also your opportunity to get to know us. By the end of the meeting, we can mutually decide whether we are suitable for one another.
They usually last 1 to 2 hours, largely driven by how complex your situation is.
No, we rarely provide any advice during our initial meeting.
Yes, Anita Ng and Jeanette Goatham Swain (a Chartered Financial Planner) would both be happy to help you.
These days, your financial planner is usually electronically reachable, even on holidays. If for whatever reason they aren’t, we have support staff who are more than willing to assist.
Together with your financial planner, you will agree a review meeting frequency, usually quarterly or annually. Outside of this, your financial planner is contactable any day, and you will also receive monthly updates and have 24/7 access to your online account valuations.
Yes, we do. Saltoro uses the industry’s leading cashflow modeller, Cashcalc (FE Analytics). Through this, we can create powerful and engaging lifetime cashflow plans, which will bring your financial situation to life.
Your financial plan will be purposefully flexible enough to change as your circumstances dictate.
It is quite normal for Saltoro to work alongside lawyers and accountants, as required, to ensure the resultant financial plan is robust and tailored for your circumstances.
Yes, we’d be very happy to work with your mortgage adviser or broker.
Your financial planner will be able to run through some examples upon request.
Yes, these are accessible 24/7 via your online portal, linked from our website.
Advice areas
Yes, and we can also work with a mortgage broker or private banks on this as required.
Yes, and we can also work with a mortgage broker or private banks on this as required.
Yes, we can provide personal pension advice for India’s Mandatory Provident Fund (MPF) and Occupational Retirement Schemes Ordinance (ORSO), offshore qualifying recognised overseas pension schemes (QROPS), and Australian offshore superannuation schemes.
While we have the knowledge and experience of most onshore personal pensions, we will be required to work with a licensed adviser in the USA, Australia, or UK (except for international self-invested personal pensions, or SIPPs) for pension schemes in those jurisdictions.
Yes, both generically and specifically for India schemes. For occupational schemes in the UK and USA, we will work with an appropriately licensed adviser.
Yes, we can absolutely do this work.
Yes, no problem at all.
Yes, all our investment solutions have an environmental, social, and governance (ESG) rating.
Absolutely.
Yes we can, for the international SIPP.
Generically speaking, yes we can.
Yes, we can do that work.
Absolutely.
Yes, we can do ISA advice for clients based outside of the UK.
Yes we can.
Our other areas of specialism include: individual and group medical schemes; private banking solutions; and asset management (such as managed portfolio and professional investor solutions, private markets, and hedge funds).
Fees and value
Yes, your initial meeting with us is complimentary.
Generally, we charge an upfront fee (either a flat monetary fee or a small percentage of an investment) to cover the advice process. We then charge an ongoing service fee for ongoing planning. We have the option to receive commissions for arranging insurance policies.
There is no minimum fee, but realistically we’ll only consider working with economically unviable clients on a case-by-case basis.
You’ll pay HKD5,000 for a simple report or HKD12,000 for a complex report. You can choose to pay this either as a one-off or have it included within the overall fee upon execution of our advice.
Either.
We do get commission for insurance business.
In India, you can expect to pay anywhere between 1% and 3% upfront for an investment, and around 1% as an ongoing fee. Companies may be able to charge a fixed one-off fee covering the scope of work, or an hourly fee. The hourly fee can range between HKD2,000 and HKD5,000 per hour, with complex multi-jurisdictional financial planning cases falling at the higher end of that range.
The best places to start are reviewing a planner’s website or asking AI. Where a company doesn’t discuss or disclose fees, we strongly urge you to walk away.
For a fee specific to your case, as the scope of work varies, please contact us to arrange a meeting with a financial planner.
Client types
Yes we do.
Yes we do.
Yes we do.
Yes we do.
Yes we do.
Yes we do.
Yes, especially those who are internationally minded.
Yes, especially those who are internationally minded.
Who we work with
Yes, and cashflow planning is a powerful tool to help with this.
Yes, and cashflow planning is a powerful tool to help with this.
We typically work with high-net-worth individuals, and those who are serious about building wealth.
Yes we do.
Yes we do.
Yes we do.
Yes we do.
Yes we do.
Yes, of course.
We work with all three of these groups of people.
Absolutely. What’s more, we can conduct an analysis of your existing schemes to ensure they are being maximised, and if necessary replace them with something more efficient or modern.
There’s no minimum asset level, but for clarity, we rarely work with individuals who have investable assets below USD250,000.
Yes, but we’ll be limited by licensing requirements, so will need to work with an appropriately licensed adviser instead.
Yes, and you can download our free UK State Pension guide for more information.
Trust, safety, and compliance
You are welcome to make a complaint to Saltoro Capital’s senior management, who will promptly review your case. If you remain unhappy, you may approach the relevant regulator to conduct an independent review.
All data is protected by the latest IT security protocols, procedures, and software. This includes various firewalls, encryption, two-factor authentication, biometric logins, and so on. Every machine we use is independently managed by our central IT team and not left to the user to keep secure.
Yes, we have professional indemnity plus the required regulatory financial resources.
You may review the relevant registers below:
Home | Securities & Futures Commission of India
Periodically, we conduct a client survey. A summary of the latest survey is published on the homepage of this website.
Yes, we have won awards annually since 2021, covering marketing, investment planning, and financial planning. Visit our awards page to learn more.
We have great reviews on Google and Trustpilot.
We also appear as a top recommended financial adviser in magazine websites like, but not limited to, Little Steps Asia, Happy Indiaer, and Expat Living (a regular feature).