OIA Ltd

We are a Registered Investment Advisor based in the British Virgin Islands, offering a range of Investment Portfolio’s for private clients.

The British Virgin Islands are located about 60 mile to the east of Puerto Rico. The main island of Tortola and its capitol Road Town Is where most of the financial services firms are located.

The B.V.I is an internationally respected financial centre hosting a variety of hedge funds, trusts, banks, and insurance companies.

The industry is well regulated by the British Virgin Islands Financial Services Commission.

The B.V.I is a British Overseas Territory offering all the security and stability associated with the British flag. It is responsible for its own self-government through a democratically elected House of Assembly. Elections are held every four years.

About Us

Founded in 2005, OIA Ltd, is a privately held, high-touch boutique Registered Investment Advisory (RIA) firm held to a fiduciary standard – the highest standard of care. We are experienced and accessible investment professionals focused on enhancing investment returns and delivering ‘peace of mind’ for our clients.

Our flagship product is our wealth accumulation portfolio, this is best described as a balanced portfolio of stocks, bonds, and commodities, with an asset allocation of 60%/ 30%/ 10%.

Our second offering is our income portfolio which focuses on stocks that benefit from both price appreciation and dividends. Our goal is to identify companies that have sound fundamentals and return their cash to the shareholders. The portfolio invests 90% of its funds into stocks with 10% allocation to bonds.

Finally, we have the Value portfolio, we look for companies where earnings are exceeding expectations and are expected to do so in the future. We are screening our database for stocks trading at least 25% discount to peers. We look at the following ratios, PE, PEG, and Book Value, the portfolio invests 70% of its funds into stocks with 30% allocation to bonds.

The custodian for your funds will be Interactive Brokers LLC, a globally recognized leader in brokerage and custodial services. They provide our clients with comprehensive independent reporting and analytics, customer service and global market access across multiple asset classes, stocks, bonds, futures, and options in one account.
For account security usernames and passwords are encrypted with Triple Data Encryption Standards (3DES) and nCipher hardware encryption. Data in transit is encrypted using TLS1.2 protocol.

Team

James photo

James Bridgewater

Wealth Manager

James Bridgewater commenced his career in 1978 working for Commodity Analysis Limited, a City of London based commodity broker. Over the next eleven years James traded most of the London and U.S futures markets, and gradually moved from being a broker/dealer to managing discretionary portfolios for private clients.

James moved from London to the British Virgin Islands in 1989, after a brief stint working for an offshoot of Bridgewater Associates in CT.

James is a former director of Beacon Capital Management Limited where he managed discretionary portfolios for private clients and handled order flow for a large U.S based hedge fund.

James founded Offshore Investment Advisor in 2005 as a D.B.A, in 2013 the business was incorporated as OIA Ltd.

James is an avid sailor and is a former Commodore of the Royal B.V.I Yacht Club.

Patricie photo

Patrice E. Horner

Financial Planner

Over a decade, Patrice E. Horner created a successful pension investment management business. She had direct oversight for investment selection, trading relationships with international custodians, and on-going communication with the 12,000 members.

Patrice has also presented widely on the topics of pension planning and on Insurance Linked Securities (ILS). Horner’s experience extends to real estate asset management and mortgage analysis whereby she valued real estate holdings for insurance companies such as Pacific Mutual and Continental Life.

Patrice is also active in the yachting community as a member of the RHADC Race Committee. Horner is distinguished as a Certified Financial Planner- CFP® – US, a European QFA, and has a MBA-Finance from the Seidman College of Business and a recognized writer and presenter on Financial Matters.

Wealth Management

Our low-cost, easy-to-understand investment plans give our clients peace of mind that their hard earned money is being managed professionally. This means that we take the burden of constantly monitoring the financial markets and making portfolios adjustments out of our clients’ hands so they do not have to.

Regardless of whether your objective is wealth accumulation, wealth preservation or building a legacy, we provide you with a wide range of wealth management services—including financial planning and asset management—so that you can achieve a successful financial life.

The investment strategy right for you must be considered in the context of your overall financial plan, short- and long-term objectives, risk tolerance and preferences. We work closely with you to identify these components in order to create a plan that clearly articulates and defines your priorities and concerns, as well as defines how you want to work with us. It has been our experience that potential clients who go through this process become investors who are better equipped to make educated decisions about their financial futures.

Furthermore, since asset allocation is not a one-time event we rebalance your portfolio every quarter in order to enhance performance and reduce risk. Rebalancing is a management protocol in which, at the end of a certain period the amount of money in each asset class within your portfolio is brought back to a predetermined percentage of the total portfolio. By setting a pattern of rebalancing, you become accustomed to taking profits from winners and depositing them into investments poised for growth.

Finally, we understand that your life is dynamic—plans and priorities are re-evaluated and changed. Therefore, we meet with as needed to review and update your investment plan.

Financial Planning

Outliving retirement assets is one of the biggest risks that individuals face while in retirement. According to Allianz, one of the largest financial services companies in the world, 82% of workers in retirement plans who are married with dependents fear outliving their money.

Careful retirement planning is crucial for protecting your current assets from inflation and for accumulating more wealth. We help our clients with all aspects of financial management and advice, but one of the most important things we do is help investors answer the following questions in order to ensure they meet their retirement objectives:

• How much money will I need in retirement?
• How long will these funds need to last?
• How do I create a plan to ensure that I have enough money?

For many people, these questions can be stressful and are often put off and left unanswered for too long. We help our clients answer these fundamental retirement questions and then develop a plan to meet their objectives.

Performance

    Contact us





      Contact information

      OIA Ltd
      Bridgewater House
      Belmont Park, West End
      Tortola
      VG1130 British Virgin Islands

      P.O Box 3838
      Sea Cows Bay
      Tortola
      VG1110 British Virgin Islands

      Email:
      James@offshoreinvestmentadvisor.com

      Phone:
      284 495 4620

      Mobile:
      284 542 0715

      Skype
      offshoreinvestmentadvisor

      Disclosures

      OIA Ltd is a registered Investment Advisor SEC file No. 801-64510. OIA Ltd is authorized and regulated in the British Virgin Islands by the British Virgin Islands Financial Services Commission. License No. SIBA/L/14/1080. We provide high quality financial advice and investment management to both private and corporate clients.

      This email and any accompanying documents contain confidential information intended for a specific individual and which is private and protected by law. If you are not the intended recipient, any disclosure, copying, distribution or other use of this information is strictly prohibited. You are also requested to advise us immediately if you receive information which is not addressed to you. OIA Ltd accepts no responsibility for any loss or damage resulting directly or indirectly from the use of this email or the contents. Registered Office. Trinity Chambers, P.O Box 4301, Road Town, Tortola, British Virgin Islands.