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Navon has established a partnership with MA & Associates who are based in Montenegro and are qualified for UK and Offshore financial services. MA&Associates has partner offices in London, Ireland, Jersey, Guernsey, Malta, Monaco and Geneva: each office specialises in providing the most appropriate services and financial structures for a clients private or corporate requirements


Even a private property is an investment and if it is structured correctly from the outset then it can be an extremely rewarding, profitable and tax efficient investment that delivers both income and capital gains over long periods of time, particularly in Montenegro.
The Montenegro property market is relatively stable and showing steady growth, specifically for high quality property such as villas. The rental market comprises both long term let (usually to foreigner professionals working here on large developments) and tourism rental (the tourism market here is in the top 3 globally for double digit annual growth over the next decade).
MA & Associates follow the property market closely and can advise on how and where to invest for best returns or lifestyle (i.e. for retirement). We can also advise on Joint Venture and Fractional property investment structures, including the provision of Financial Oversight and Accounting.


The Montenegro tax system is currently very favourable, one of the lowest in Europe. However, clients often need to consider their home tax situation, as well as planning for tax efficiency into the future. MA & Associates can provide expert advice for clients from any international jurisdiction.


We can provide pension structures that ensure ‘AAA’ security while mitigating (often to zero) income tax, capital gains tax and inheritance tax. Our structures also have no ceiling, so clients can grow their pension to levels appropriate for their lifestyle.


Research shows that most people start pension planning before age 40, and seriously start looking at optimisation and growth improvement from age 45. Under most pension laws it is possible to retire from age 55, and when people do retire almost 10% p.a. retire abroad for climate, lifestyle and financial (lower cost/lower tax) reasons. You will find that with some real money casinos, South African gamblers cannot use credit cards to fund their game. You will, however, be able to use many third-party payment options such as prepaid and e-wallet services. We only list sites that guarantee fast payouts. Every real money online casino in South Africa requires the user to supply them with their personal information, and the safety of our readers is of utmost importance to us.
MA & Associates has been providing wealth and inheritance planning for clients since 1995, many of whom are international people who retire abroad.

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