# UAM

> Financial Planning for Superyacht Crew


## Posts

- [What British yachties miss most about home](https://unitedadvisersmarine.com/what-british-yachties-miss-most-about-home/): Travelling the world and meeting exciting new people has its perks. But being away from home for long periods of time can also have its downsides.
- [5 tips for getting your first Superyacht job](https://unitedadvisersmarine.com/5-tips-for-getting-your-first-superyacht-job/): Getting your first superyacht job is tough. You are pitched against a group of incredibly motivated people with a great set of skills and qualifications.
- [How to manage your income when currencies are unstable](https://unitedadvisersmarine.com/manage-income-currencies-unstable/): Many yachties face the problem of receiving salaries and tips in a currency different to their home currency.
- [SEAFARERS & CREW GUIDE TO EXPAT TAX](https://unitedadvisersmarine.com/seafarers-crew-guide-to-expat-tax/): In the 2017 South African Budget Speech, it was announced the current exemption of Section 10(1)(o)(ii) (“the Expat Exemption”) of the Income Tax Act No.
- [Who You Marry?](https://unitedadvisersmarine.com/mostimportantdecision/): Undoubtedly, life is punctuated by numerous significant decisions, each shaping our journey in unique ways.
- [Your Financial Resolutions Roadmap](https://unitedadvisersmarine.com/your-financial-resolutions-roadmap/): As the year draws to a close, it's time to set your focus towards new financial horizons.
- [Masters of the Trade](https://unitedadvisersmarine.com/masters-of-the-trade/): In the dynamic world of marine operations, safety at sea is paramount.
- [Safeguarding Your Investments: Understanding Anti-Money Laundering (AML) and Know Your Client (KYC)](https://unitedadvisersmarine.com/safeguarding-your-investments-understanding-anti-money-laundering-aml-and-know-your-client-kyc/): At United Advisers Marine, we take AML compliance seriously.
- [Ensuring Yacht Security: Take Action Today for Peace of Mind](https://unitedadvisersmarine.com/ensuring-yacht-security-take-action-today-for-peace-of-mind/): Insurance - it's a topic that rarely garners enthusiastic conversations, often relegated to the back of our minds until we find ourselves in a situation where it's absolutely essential.
- [High Salaries in the Superyacht Industry](https://unitedadvisersmarine.com/high-salaries-in-the-superyacht-industry/): The superyacht industry is renowned for offering lucrative salaries and exciting adventures to its crew members.
- [Creating Financial Plans](https://unitedadvisersmarine.com/creating-financial-plans/): Working as crew on a superyacht can be a financially rewarding career.
- [How to Make Your Money Work for You During Inflation](https://unitedadvisersmarine.com/how-to-make-your-money-work-for-you-during-inflation/): Newspaper headlines globally are full of news of the current economic situation, with financial predictions being made aplenty.
- [The ‘Crypto Winter‘ - and what it means for your investments](https://unitedadvisersmarine.com/the-crypto-winter-and-what-it-means-for-your-investments/): In recent months, news headlines have been full of the fact that crypto currencies have seen a sustained drop in value.
- [Life post yachting – thinking of setting up your own business?](https://unitedadvisersmarine.com/set_up_in_business/): We've previously looked at how crew can start to plan for their retirement.
- [Ready to explore Palma de Mallorca?](https://unitedadvisersmarine.com/ready-to-explore-palma-de-mallorca/): Here’s some recommendations from the team at United Advisors Marine for some activities that should not be missed!
- [Inheritance, Wills & Trusts: 7 Steps For Smart Estate Planning](https://unitedadvisersmarine.com/7-steps-for-smart-estate-planning/): How important is estate planning? Over half of all adults (60%) die without a will, according to data from Unbiased.
- [What to do if you're in a financially dependent relationship](https://unitedadvisersmarine.com/what-to-do-if-youre-in-a-financially-dependent-relationship/): One in three women in a relationship are financially dependent on their partner, according to YouGov data.
- [How to invest ethically. Putting a price on the future](https://unitedadvisersmarine.com/how-to-invest-ethically-putting-a-price-on-the-future/): When you invest in the stock market, what’s your number one goal?
- [How does inflation affect savings? Protect your wealth with these tips](https://unitedadvisersmarine.com/how-does-inflation-affect-savings/): A perfect storm of post-lockdown recovery, supply-chain issues and soaring energy and fuel prices have pushed up the cost of goods and services across the world.
- [5 reasons you might need life insurance](https://unitedadvisersmarine.com/5-reasons-you-might-need-life-insurance/): Life insurance can be one of those investments that you never get round to exploring.
- [Property as a bridge to retirement](https://unitedadvisersmarine.com/property-as-a-bridge-to-retirement/): The property versus pension debate has been raging for decades, with investors around the world having strong feelings over which retirement funding solution is best.
- [What is the FIRE movement?](https://unitedadvisersmarine.com/what-is-the-fire-movement/): At a time when many people feel like they’re working more than ever, some are going to great lengths to never lift a finger again.
- [How to make a Will as an expat](https://unitedadvisersmarine.com/wills-for-expats/): Wills for expats can be tricky and there is no one-size-fits-all solution.
- [Preparing for life after yachting](https://unitedadvisersmarine.com/preparing-for-life-after-yachting/): It’s well-known that yachting’s golden handcuffs can make it difficult for crew to transition from life onboard to life onshore.
- [Crypto Markets Vs Traditional Markets: Can We Compare?](https://unitedadvisersmarine.com/crypto-markets-vs-traditional-markets/): With the current rise (and fall) of Cryptocurrencies and the heightened interest that is steadily sweeping amongst seasoned investors and novices alike, we thought we would compare some key differences when it comes to traditional financial markets and crypto markets.
- [When you should commit to a regular savings plan](https://unitedadvisersmarine.com/commit-to-a-savings-plan/): Saving regularly can be a difficult habit to establish but once you make the commitment you will quickly see how it can help you to achieve your financial goals.
- [Why it helps to know your net worth](https://unitedadvisersmarine.com/why-it-helps-to-know-your-net-worth/): Like your physical health, your financial health is key to leading a happy life.
- [Portfolio Investment vs. Buying a Property: Which Is Better?](https://unitedadvisersmarine.com/portfolio-investment-vs-buying-a-property/): When deciding whether to invest in property or a portfolio investment, there is not a simple answer.
- [Monthly financial checklist for yacht crew](https://unitedadvisersmarine.com/financial-checklist-yacht-crew/): When it comes to keeping on top of your financial situation and all associated tasks, it can easily feel overwhelming.
- [Personalisation matters](https://unitedadvisersmarine.com/personalisation-matters-for-financial-advice/): A common criticism often levelled against those in our industry is that we don’t act with integrity nor the highest levels of professionalism; that we financial advisers don’t have our clients’ bests interests at heart and see personalised client service as a simple ‘tick box’ exercise to comply with regulation.
- [Key financial considerations before starting your own business](https://unitedadvisersmarine.com/financial-consideration-start-business-crew/): It’s no great surprise that an increasing number of Superyacht crew are interested in starting a business once they are back on dry land.
- [Understanding risk tolerance](https://unitedadvisersmarine.com/crew-understand-risk-tolerance/): Risk and reward often go hand in hand when it comes to investing. You will often see three different investing approaches; cautious, balanced, and aggressive.
- [How crew can get a Spanish mortgage](https://unitedadvisersmarine.com/superyacht-crew-get-spanish-mortgage/): Crew can mistakenly think that getting a mortgage in Spain is impossible when you aren't a resident or a Spanish national.
- [The value of good financial advice](https://unitedadvisersmarine.com/value-financial-advice/): A common criticism often levelled against the financial services industry is that advisers do not have their clients’ best interests at heart and are self-serving.
- [Looking towards 2021](https://unitedadvisersmarine.com/2021-markets/): Joe Biden is the US President-elect, Brexit is happening and a COVID vaccine is on the cards.
- [We are hiring!](https://unitedadvisersmarine.com/we-are-hiring/): We are currently looking for a new Head of Marketing for United Advisers Marine and our sister company, United Advisers Group.
- [Life after yachting: interview with Tom Jackson from Honest Ocean](https://unitedadvisersmarine.com/tom-jackson-honest-ocean/): During his time at sea as Superyacht crew, Tom Jackson saw first hand just how much plastic ends up as ocean waste.
- [How saving €850 a month could make you a millionaire](https://unitedadvisersmarine.com/save-850-a-month-millionaire/): The idea of becoming a millionaire may seem wildly aspirational. However, €1 million or more is what most 25-year-olds today may need to retire comfortably.
- [Things for crew to do in Mallorca](https://unitedadvisersmarine.com/mallorca/): If you are new to the incredible island of Mallorca, or are in port for only a few days, you might be wondering what the best activities are on the island.
- [Avoid being trapped by yachting’s golden handcuffs](https://unitedadvisersmarine.com/avoid-being-trapped-by-yachtings-golden-handcuffs/): In our recent Life After Yachting webinar, we discussed how yachting’s infamous ‘golden handcuffs’ can make it difficult for crew to make a smooth transition from life onboard to life onshore.
- [The cost of not investing in financial advice](https://unitedadvisersmarine.com/the-cost-of-not-investing-in-financial-advice/): There are many reasons why people shy away from using a financial adviser.
- [Should you trust a financial adviser?](https://unitedadvisersmarine.com/trust-a-financial-adviser-yacht-crew/): As with any relationship, personal or professional, trust is everything.
- [What yachties did next ... Chanel Marais from Virtual Yacht Assistant](https://unitedadvisersmarine.com/chanel-marais-virtual-yacht-assistant-vya/): We all know how valuable it is to learn from others, especially when it comes to navigating the world of yachting (pun intended!).
- [Why do crew shy away from financial planning?](https://unitedadvisersmarine.com/yachting-community-shy-financial-planning/): 31% of respondents to a 2019 NBC News poll about personal money management revealed they do not feel confident about their financial plan.
- [What onboard budgeting teaches you about personal finance](https://unitedadvisersmarine.com/what-onboard-budgeting-teaches-you-about-personal-finance/): Why is it that we can manage a budget onboard but the same task for our personal finances gets pushed aside?
- [Top 10 tips for Superyacht crew](https://unitedadvisersmarine.com/financial-advice-superyacht-crew/): Typically Superyacht crew are in a great position to save and invest.
- [Common Superyacht crew finance questions](https://unitedadvisersmarine.com/common-superyacht-crew-finance-questions/): One of the many things we enjoy about our work is helping Superyacht crew to understand the world of personal finance.
- [Starting out in the Superyacht industry](https://unitedadvisersmarine.com/starting-out-in-the-superyacht-industry/): As financial advisers to Superyacht crew, we know how important it is to have the right information when you’re looking for your very first role.
- [Why an emergency fund matters](https://unitedadvisersmarine.com/why-an-emergency-fund-matters/): Having a stash of money set aside as a financial safety net is crucial for when you suddenly find yourself without a job.
- [SCHENGEN IMMIGRATION UPDATE FOR SUPERYACHT CREW ](https://unitedadvisersmarine.com/schengen-immigration-update-for-superyacht-crew/): The COVID-19 pandemic has impacted countries worldwide including the implementation of various measures such as international travel bans and “lockdown” to help curb the spread and flatten the curve.
- [Tax, pensions and savings for UK Superyacht crew](https://unitedadvisersmarine.com/tax-pensions-and-savings-for-uk-superyacht-crew/): Keeping your tax affairs in order and knowing what pensions you’re entitled to as a UK national can help you save money. Want to know how? Keep reading.
- [20 ways to secure your financial future for the next 20 years](https://unitedadvisersmarine.com/20-ways-financial-future-superyacht-crew/): Regardless of whether you’ve just started your first crew job or are planning to leave yachting, it’s never too early or too late to take control of your financial future.
- [Results from our Crew Financial Wellbeing Survey](https://unitedadvisersmarine.com/results-crew-financial-wellbeing-survey/): We conducted the first-ever Superyacht Crew Financial Wellbeing Survey to discover how crew feel about their finances.
- [Online bank account options for Superyacht crew](https://unitedadvisersmarine.com/online-bank-account-superyacht-crew/): Increased popularity of online banking and a much more flexible foreign exchange market has given rise to a larger range of bank accounts available to Superyacht crew.
- [Caring for your mind, body and soul during confinement](https://unitedadvisersmarine.com/care-for-your-mind-body-and-soul-during-confinement/): Whether on board a yacht or working remotely for the first time, we understand a lot of Superyacht crew are experiencing some sort of confinement.
- [Cost averaging and market performance](https://unitedadvisersmarine.com/cost-averaging-and-market-performance/): It’s not uncommon for people to think they should pull their investments when markets are falling amidst a crisis like a global health pandemic.
- [Key investment considerations during uncertain times](https://unitedadvisersmarine.com/investment-considerations-uncertainty/): It’s perfectly normal to feel twitchy about your savings and investments during volatile times.
- [Make an impact with your investments](https://unitedadvisersmarine.com/make-an-impact-with-your-investments/): In recent years, there has been a noticeable increase in environmental awareness and changing attitudes towards our impact on the planet within the Superyacht industry.
- [Get in great financial shape this season](https://unitedadvisersmarine.com/get-in-great-financial-shape-this-season/): As Superyacht crew, you know just how busy the upcoming summer season is going to be, especially if you’re working onboard a charter yacht.
- [The coronavirus and stock markets – keeping things in perspective](https://unitedadvisersmarine.com/the-coronavirus-and-stock-markets-keeping-things-in-perspective/): Stock markets have reacted sharply to the spread of coronavirus to countries outside of mainland China.
- [Tax changes for South African yacht crew](https://unitedadvisersmarine.com/tax-changes-for-south-african-yacht-crew/): South Africans working and living abroad, including yacht crew, will only be exempt from paying tax on the first R1 million they earn abroad when changes to legislation take effect on 1 March 2020.
- [20 reasons to save now!](https://unitedadvisersmarine.com/20-reasons-to-save-now/): Sometimes we all need a little nudge when it comes to saving our hard-earned money.
- [What financial freedom means for superyacht crew](https://unitedadvisersmarine.com/what-financial-freedom-means-for-superyacht-crew/): When you hear the term financial freedom, what does that mean to you?
- [20% for 20 years](https://unitedadvisersmarine.com/save-crew-salary/): What could saving 20% of your crew salary over 20 years look like?
- [Expat Tax 2020 | Where Do South African Yacht Crew Fit In?](https://unitedadvisersmarine.com/expat-tax-sa-superyacht-crew/): What does Expat Tax 2020 mean?
- [Will SARS find me?](https://unitedadvisersmarine.com/will-sars-find-me/): With all the uncertainty around the change in the foreign employment exemption in the South African Income Tax Act, taking effect from 1 March 2020, more people are realising that they need to take care of their taxes more diligently.
- [Things you should know about buying property](https://unitedadvisersmarine.com/things-you-should-know-about-buying-property/): Buying a property is pretty exciting. For most yacht crew property purchase is top on their list of financial goals. This makes sense, right?
- [Seafarer Earnings Deduction FAQs](https://unitedadvisersmarine.com/seafarer-earnings-deduction-faqs/): With the help of our UK tax partners, SK Tax, we have provided answers to questions we are most regularly asked about the Seafarers Earning Deduction (SED).
- [Christmas traditions from around the world](https://unitedadvisersmarine.com/christmas-traditions-onboard/): Christmas means something different to each of us. Not everyone celebrates it, but come December it is pretty hard to escape it.
- [Why bother getting a financial plan?](https://unitedadvisersmarine.com/why-bother-getting-a-financial-plan/): Whilst financial planning rarely gets anyone excited, there are lots of reasons to do it.
- [Dawn explains how we can all make a difference](https://unitedadvisersmarine.com/acrew-award-winner-dawn-kochan-explains-how-we-can-all-make-a-difference-to-the-environment/): It is pretty impossible to leave a conversation with Dawn without feeling inspired about our ability to make positive changes.
- [6 Apps to help you save more](https://unitedadvisersmarine.com/6-apps-to-help-you-save-more/): To spend or to save? The answer is a little of both, but to know what you are spending!
- [Could DINK work in Superyachting?](https://unitedadvisersmarine.com/could-dink-work-in-superyachting/): DINK isn't used very often in the Superyacht industry. Partly due to the lack of couples positions and also because it is a relatively new term.
- [The Seafarer's Earnings Deduction](https://unitedadvisersmarine.com/the-seafarers-earnings-deduction/): Superyacht crew who are UK tax payers have access to what must be one of the best tax relief systems.
- [South Africans are applying for EU passports in record numbers](https://unitedadvisersmarine.com/south-africans-are-applying-for-eu-passports-in-record-numbers/): More South African nationals are making the decision to apply for EU passports in a bid to avoid the increased tax proposals.
- [Top Tips to Improve Your Superyacht Salary](https://unitedadvisersmarine.com/top-tips-to-improve-your-superyacht-salary/): All crew, at some point in their career, will likely consider renegotiating their Superyacht salary.
- [The Superyacht industry needs to talk about crew pensions](https://unitedadvisersmarine.com/why-the-superyacht-industry-needs-to-talk-about-crew-pensions/): Long hours, hard work, extended periods away from home, significantly higher pay than many other industries.
- [The 10 most frequently asked finance questions](https://unitedadvisersmarine.com/the-10-most-frequently-asked-questions-by-yacht-crew/): We asked the UAM team to get their heads together and let us know the ten finance questions superyacht crew most frequently ask, and then provide their answers.
- [Beginners guide to financial greatness](https://unitedadvisersmarine.com/beginners-guide-to-financial-greatness/): Are you new to yachting or starting to think about investing? The majority of crew leave yachting with no savings.
- [6 easy tips to become a regular saver](https://unitedadvisersmarine.com/becoming-a-regular-saver/): Most of us are familiar with the benefits of becoming a regular saver.
- [Is property the best investment?](https://unitedadvisersmarine.com/is-property-the-best-investment/): We ran a poll asking Superyacht crew what they did with their savings. 40% of you, at the time of writing this, are investing in property.
- [Insurance and why it really matters for crew](https://unitedadvisersmarine.com/insurance-sick-pay-superyacht-crew/): If you’re from South Africa, it would not have escaped your attention that the South African Revenue Service (SARS) has declared plans, destined to come in effect from March 2020
- [Standard Bank Seafarer Account FAQs](https://unitedadvisersmarine.com/standard-bank-seafarer-account-questions/): Each year we help hundreds of yachties open Standard Bank Seafarer Accounts.
- [7 questions crew should ask their financial adviser](https://unitedadvisersmarine.com/questions-superyacht-crew-ask-financial-adviser/): It can sometimes be tough to ask the ‘difficult’ questions when seeking financial advice but remember, you have the power here.
- [Three simple steps for financial success in yachting](https://unitedadvisersmarine.com/three-simple-keys-for-finance-success-in-yachting/): At United Advisers Marine we've developed a three-pillared approach to help professional yacht crew navigate their financial journey, and understand the priorities around achieving financial freedom.
- [We have $10,000 waiting for you](https://unitedadvisersmarine.com/risky-investment-warning-signs/): Ever received an investment opportunity that feels too good to be true? Well, that’s probably because it is!
- [Top 4 transferable skills for yachties](https://unitedadvisersmarine.com/transferable-skills-yachties/): When it comes to working in the superyacht industry, yachties generally don’t often take the time to analyse the number of valuable skills they’re acquiring.
- [Key benefits of a documented financial plan](https://unitedadvisersmarine.com/benefit-financial-plan-superyacht-crew/): Good financial advisers will commend the benefits of having a documented financial plan.
- [Talking about money as a couple](https://unitedadvisersmarine.com/talking-about-money-as-a-couple/): A study by TD Bank in the US established that while a lot of factors contribute to making a relationship work, money plays a key role, and regularly talking about money may be a vital element of a happy relationship.
- [Evaluating your level of risk](https://unitedadvisersmarine.com/evaluating-your-level-of-risk/): There’s no one size fits all approach to determining your attitude to risk, but understanding how you view risk is crucial when deciding where and how you invest.
- [What to expect from MYS 2019](https://unitedadvisersmarine.com/what-to-expect-from-mys-2019/): The 29th edition of the iconic Monaco Yacht Show will be held in Port Hercules between Wednesday 25th and Saturday 28th September 2019.
- [Six eco-friendly Superyachts to look out for](https://unitedadvisersmarine.com/eco-friendly-superyachts/): Superyachts are synonymous with fuel burning and un-environmentally friendly materials. But, we are starting to see new designs with an eco-friendly approach.
- [Financial tips before you turn 30](https://unitedadvisersmarine.com/financial-tips-before-you-turn-30/): There are a number of key steps you can take before you turn 30 to take charge of your financial future.
- [Top Financial Tips from United Advisers Marine](https://unitedadvisersmarine.com/top-financial-tips-from-united-advisers-marine/): During our spotlight interviews with the Marine team, we asked them to share their best financial advice for yachties.
- [What yachties did next ... Tim Fletcher from Workrest](https://unitedadvisersmarine.com/yachties-next-tim-fletcher-workrest/): The first of anything is always pretty special, and our interview with Tim Fletcher from Workrest is no exception.
- [Tips for money management when the ZAR is unstable](https://unitedadvisersmarine.com/tips-money-management-zar-unstable/): Yachties are used to getting salaries and tips in a currency different to their home currency.
- [What can yacht crew do about South Africa's Tax Change?](https://unitedadvisersmarine.com/yacht-crew-south-africas-tax-change/): If you’re from South Africa, it would not have escaped your attention that the South African Revenue Service (SARS) has declared plans, destined to come in effect from March 2020, to implement a tax for South Africans working abroad.
- [Beginners guide to saving and investing](https://unitedadvisersmarine.com/beginners-guide-to-saving-and-investing/): Do you have money left at the end of the month? Unsure of what you should be investing in? You are not alone.
- [Financial Well-Being survey](https://unitedadvisersmarine.com/survey/): Tell us what you think about pensions, maternity pay and how you will pick your next role. This is the first Financial Well-being survey for superyacht crew.
- [What yachties did next … Leila Nafa from Crew Eyewear](https://unitedadvisersmarine.com/leila-nafa-crew-eyeware/): If you have been in the yachting industry for a while then you have probably met Leila Nafa or one of her team along the way.
- [Top 7 ways to spend your extra payday](https://unitedadvisersmarine.com/7-ways-to-spend-your-extra-payday/): One of the many benefits in the yachting industry is that, when payday comes around, you have enough disposable income to enjoy some of the finer things in life.
- [Tax Smart Solutions for South African Yachties](https://unitedadvisersmarine.com/tax-smart-solutions-for-south-african-yachties/): As you may well know South African tax rules are changing from March 2020 and South African expatriates need to act if they want to avoid its dire consequences and threat to their foreign income.
- [Controlling your finances, wherever you are in the world](https://unitedadvisersmarine.com/controlling-finances-wherever-world/): Cruising the world as yacht crew can make you feel like you’re a citizen of the world, rather than being tied to a particular country and, when you’re not in your home port, you don’t want to be tethered to banks in your home country and any associated tax and interest obligations.

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## Optional

- [Agent (MCP protocol)](websites-agents.hostinger.com/unitedadvisersmarine.com/mcp)

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