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Why we all need an Offshorezen Financial Go Plan

Why is a Financial Go Plan Essential?

A Financial Go Plan is essential because it provides a resilient financial backup, ensuring you can access vital funds when traditional financial systems are disrupted or your primary assets become unreachable. Here’s a breakdown of why, with examples:

1. Currency Collapse & Hyperinflation

Why it’s a Risk: When a national currency rapidly loses its value (collapse) or experiences extremely high rates of inflation (hyperinflation), the purchasing power of savings held in that currency is decimated. Cash can become virtually worthless, and electronic balances may not keep up with the skyrocketing prices of essential goods and services. A Financial Go Plan, especially one holding assets in stable foreign currencies and gold, can preserve wealth and provide access to usable funds.

Examples (within the last 10-15 years):

  1. Venezuela (2016-Present): Venezuela has experienced one of the most extreme cases of hyperinflation in recent history. The Bolívar has undergone multiple redenominations and massive devaluations. Citizens have seen their savings wiped out, and accessing basic necessities become a daily struggle, leading many to rely on foreign currencies like the US dollar or cryptocurrencies if they can access them.
  2. Zimbabwe (Notably 2008-2009, with ongoing currency instability): While the most infamous period of hyperinflation was slightly earlier, Zimbabwe has continued to face severe currency instability and high inflation in the last decade, introducing new currencies that have also struggled. This has repeatedly eroded savings and made financial planning within the local currency exceptionally difficult.
  3. Argentina (Ongoing, with significant devaluations in the last decade): Argentina has a long history of currency crises and high inflation. In recent years, including multiple events between 2015 and 2024, the Argentine Peso has suffered significant devaluations against the US dollar, leading to a loss of purchasing power for those holding pesos and a rush to acquire foreign currency.
  4. Sri Lanka (2019-2024): Sri Lanka faced its worst economic crisis since independence, leading to a severe depreciation of the Sri Lankan Rupee starting around March 2022. This was coupled with shortages of essential goods, as foreign exchange reserves dwindled, impacting citizens’ ability to purchase necessities and maintain their financial stability.
  5. Lebanon (2019-Present): The Lebanese Pound has lost more than 98% of its value since 2019. This has plunged a significant portion of the population into poverty, made savings in the local currency almost worthless, and severely restricted access to funds held in banks due to informal capital controls.
Read More about Go Plans

2. Capital Controls

Why it’s a Risk: During times of economic crisis, governments may impose capital controls to prevent money from leaving the country and to stabilize the banking system. These controls can severely restrict your ability to access your own funds, especially for international transfers or large withdrawals. Limits can be placed on daily ATM withdrawals, bank transfers abroad, and even the amount of cash you can carry out of the country. A Financial Go Plan with assets held offshore is designed to be outside the reach of such domestic controls.

Examples (within the last 10-15 years):

  1. Greece (2015): To prevent a banking collapse during its debt crisis, Greece imposed capital controls. This included shutting banks temporarily, limiting cash withdrawals to €60 per day initially (later €420 per week), and placing heavy restrictions on transferring money abroad. This caused significant hardship for individuals and businesses.
  2. Cyprus (2013): As part of its bailout agreement, Cyprus implemented strict capital controls alongside a “bail-in” of depositors. Restrictions included limits on cash withdrawals (€300 per day per person per bank), prohibitions on cashing cheques, and limits on electronic fund transfers and credit/debit card transactions abroad (e.g., €5,000 per month). These measures were intended to prevent a bank run but severely impacted access to funds.
  3. Iceland (2008-2017): Following its banking system collapse in 2008, Iceland imposed extensive capital controls to stabilize its currency and economy. These controls affected individuals and businesses, restricting the movement of capital in and out of the country for many years before being gradually lifted.
  4. Argentina (Various periods, including recent years): Argentina has repeatedly implemented capital controls, often referred to as “cepo cambiario,” to manage currency outflows and stabilize the peso. These have included restrictions on purchasing foreign currency, mandatory conversion of export earnings, and limits on international transfers, impacting citizens’ and businesses’ financial flexibility.
  5. Ukraine (2014-Present, intensified after 2022): Following the 2014 crisis and more significantly after the full-scale Russian invasion in 2022, Ukraine’s central bank implemented various capital controls. These included limits on cash withdrawals in foreign currency, restrictions on cross-border currency transfers, and fixed exchange rates to manage dwindling foreign reserves and stabilize the financial system during wartime.

3. Bank Failures & “Bail-Ins”

Why it’s a Risk: While deposit insurance exists in many countries, it often has limits. If a bank fails, access to funds above the insured limit can be delayed or lost. In a “bail-in” scenario (as seen in Cyprus), a failing bank can convert a portion of uninsured deposits (and even some other liabilities) into equity to recapitalize itself, meaning depositors can lose their money or become shareholders in a failing institution. A Go Plan diversifies assets away from a single banking system.

Examples (within the last 10-15 years):

  1. Cyprus (2013): This is the most prominent example of a bail-in. Depositors in the Bank of Cyprus with over €100,000 lost a significant portion of their uninsured deposits, which were forcibly converted into bank equity. Depositors in Laiki Bank (Cyprus Popular Bank) with over €100,000 faced even larger losses as the bank was wound down.
  2. Silicon Valley Bank, USA (2023): SVB, the 16th largest bank in the US, failed rapidly in March 2023 after a bank run. While the FDIC ultimately stepped in to guarantee all deposits (even uninsured ones, citing systemic risk), for a brief period, there was significant uncertainty for depositors with funds exceeding the $250,000 insurance limit, highlighting the potential vulnerability.
  3. Signature Bank, USA (2023): Shortly after SVB, Signature Bank also failed. Similar to SVB, regulators stepped in to protect all depositors, but the event further underscored the fragility and risk of bank runs affecting even large institutions.
  4. Credit Suisse, Switzerland (2023): While not a typical depositor bail-in, the collapse and emergency takeover of Credit Suisse by UBS involved the wipeout of CHF 16 billion in Additional Tier 1 (AT1) bonds. This demonstrated that even in a stable financial center like Switzerland, major institutions can face collapse, and certain classes of creditors/investors can face total losses, shaking confidence.
  5. Banco Popular, Spain (2017): This was the first bank to be resolved under the EU’s new Bank Recovery and Resolution Directive (BRRD). Shareholders and holders of AT1 and Tier 2 bonds lost their investments entirely to facilitate the sale of the bank to Santander for €1. While insured depositors were protected, it showed the mechanism for imposing losses on investors and a more streamlined approach to bank failure.

Example of a Financial Go Plan

4. War & Political Instability

Why it’s a Risk: War and severe political unrest can lead to displacement, destruction of property, breakdown of financial infrastructure, and government seizure or freezing of assets. Individuals may be forced to flee their homes with little notice, leaving behind valuables, cash, and access to local bank accounts. Financial Go Plans provide funds accessible from anywhere, independent of the situation in one’s home country.

Examples (within the last 10 years):

  1. Ukraine (2014-Present, escalated 2022): The ongoing war has displaced millions. Many Ukrainians lost access to their homes, properties, and sometimes bank accounts in occupied or conflict-affected territories. The World Bank estimates direct damage in Ukraine reached $176 billion by Dec 2024, with 13% of total housing stock damaged or destroyed.
  2. Syria (2011-Present): The Syrian civil war has resulted in massive displacement and widespread destruction of property. A UN report highlighted systematic looting and destruction of homes, rendering entire neighbourhoods uninhabitable and preventing refugees and IDPS from returning or reclaiming assets.
  3. Afghanistan (2021-Present): Following the Taliban takeover in August 2021, the Afghan economy collapsed, the banking system seized up, and many individuals, particularly those associated with the former government or international organizations, lost access to their funds and property. The US also froze billions of dollars of Afghan central bank reserves.
  4. Yemen (2014-Present): The ongoing civil war has created one of the world’s worst humanitarian crises. Infrastructure, including banking, has been severely damaged. Movement restrictions and the collapse of the economy mean many Yemenis cannot access their savings or property, relying on remittances and aid.
  5. Myanmar (2021-Present): Following the military coup in February 2021, Myanmar has experienced significant unrest, a crackdown on dissent, and a worsening economic situation. There have been reports of bank withdrawal limits, internet shutdowns affecting mobile banking, and concerns over asset security for those opposing the regime.

5. Natural Disasters & Inability to Access Home/Hidden Assets

Why it’s a Risk: Natural disasters like floods, fires, earthquakes, and hurricanes can destroy homes or make them inaccessible for extended periods. Any cash, gold, or other valuables hidden at home can be lost, destroyed, or become unreachable. Banking infrastructure (ATMs, branches) can also be offline due to power outages or damage. A Go Plan ensures you have access to funds stored securely elsewhere.

Examples (within the last 10-15 years):

  1. Hurricane Katrina, USA (2005): Though older, it’s a stark example. Many residents were displaced for months, if not permanently. Homes were destroyed or rendered uninhabitable by flooding, meaning any valuables or cash stored within were lost or inaccessible. Banking services were severely disrupted.
  2. Australian Bushfires (e.g., 2019-2020 “Black Summer”): Massive bushfires destroyed thousands of homes across several states. Residents evacuated with little notice, and many returned to find their properties and all contents, including any hidden savings or valuables, completely incinerated.
  3. Major Floods (e.g., Germany/Belgium 2021, Pakistan 2022): Extensive flooding in Western Europe in 2021 and catastrophic floods in Pakistan in 2022 inundated vast areas, destroying homes and forcing mass evacuations. Access to homes to retrieve belongings, including any hidden cash or valuables, was impossible for many, and items were often destroyed by water damage.
  4. Earthquakes (e.g., Turkey-Syria 2023, Nepal 2015): Major earthquakes caused widespread building collapses. People lost their homes and all possessions within them. Retrieving anything from the rubble, including hidden savings, was often impossible or extremely dangerous.
  5. Wildfires in California, USA (Annual, e.g., Camp Fire 2018): Frequent and devastating wildfires in California have destroyed entire towns, such as Paradise during the Camp Fire. Residents often had minutes to evacuate, leaving no time to gather valuables or access hidden cash if their homes were in the fire’s path.
Read More about Go Plans

6. Unexpected Asset Freezes for Individuals/Businessmen

Why it’s a Risk: Individuals, especially business people or those involved in international transactions, can have their assets frozen unexpectedly due to legal disputes, regulatory actions, sanctions, or even mistaken identity. This can happen without warning, cutting off access to operating capital or personal funds. An offshore Go Plan, segregated from primary business or personal accounts, can provide a crucial financial buffer.

Examples:

  1. Sanctions against Russian Oligarchs/Businessmen (2014-Present, escalated 2022): Following Russia’s actions in Ukraine, numerous Russian businessmen and individuals perceived to be close to the Kremlin have had their assets in Western jurisdictions (bank accounts, property, yachts) frozen by international sanctions.
  2. Individuals Under Investigation: While specific names are often private, it’s common for law enforcement or tax authorities worldwide to freeze bank accounts of individuals or businesses pending investigation into alleged financial crimes (e.g., money laundering, tax evasion, fraud). This can occur before any charges are filed, leaving the individual without access to those specific funds.
  3. Disputed International Transactions: Businesses involved in international trade can find funds held in escrow or in foreign bank accounts frozen due to commercial disputes, unexpected regulatory changes in a foreign country, or issues with correspondent banks.
  4. Politically Exposed Persons (PEPs): Individuals classified as PEPs often face heightened scrutiny with their bank accounts. While not always a freeze, their transactions can be delayed or accounts temporarily blocked more frequently if compliance departments flag activity, causing disruption. In unstable political climates, new regimes may also freeze assets of those associated with a previous government.

7. Confiscation/Seizure at Borders/Airports

Why it’s a Risk: Most countries have strict rules about declaring cash, gold, or other monetary instruments when crossing borders. Failure to declare amounts over a certain threshold (commonly around USD/EUR 10,000) can lead to seizure of the assets, hefty fines, and potential criminal charges, even if the money is legitimate. This makes physically transporting large emergency funds risky. A Go Plan provides access via cards or secure services without needing to carry bulk cash/gold.

Examples :

  1. US Customs and Border Protection (CBP) Seizures: CBP routinely seizes undeclared currency from international travelers. If a traveler carries more than $10,000 (or its foreign equivalent) in monetary instruments into or out of the U.S. and fails to declare it on a FinCEN Form 105, the money can be seized.
  2. EU Cash Declaration Rules: Travelers entering or leaving the EU with €10,000 or more in cash (or equivalent in other currencies or easily convertible assets like bonds or shares) must declare it to customs authorities. Failure to do so can result in the cash being detained or confiscated.
  3. Philippines Bureau of Customs (BOC) Seizures: A recent example from February 2025 showed the BOC at Ninoy Aquino International Airport (NAIA) intercepting undeclared foreign currencies (JPY, EUR, KWD) from a departing passenger. The report mentioned that in 2024, BOC-NAIA made 158 such interceptions.
  4. India Customs Gold Seizures: India has strict regulations on importing gold. Travelers attempting to bring in gold beyond permissible limits or without proper declaration frequently have it seized at airports by customs officials. Numerous incidents are reported in Indian media annually.

The Offshore Zen Difference

What sets Offshore Zen apart is our commitment to holistic support. We don’t just address isolated issues; we anticipate your needs and provide proactive solutions. Here are some additional benefits of partnering with our Hub:

  • 24/7 Availability: Whether it’s midnight in London or morning in Tokyo, our team is ready to assist.
  • Multilingual Expertise: With a diverse team of professionals, we bridge language barriers to provide seamless service.
  • Tailored Solutions: Every client’s needs are unique. We customize our services to align with your goals and preferences.

8. Seizure of Safety Deposit Box Contents

Why it’s a Risk: While often perceived as secure, safety deposit boxes are not immune to seizure, especially if the providing institution itself is implicated in criminal activity or if law enforcement obtains a warrant believed to cover the boxes. The contents might be seized, and owners may face a difficult process to reclaim legitimate assets. The Financial Go Plan avoids this by not relying on a single physical box in one jurisdiction.

Examples:

  1. FBI Raid on US Private Vaults, Beverly Hills (March 2021): The FBI raided US Private Vaults, a company suspected of money laundering and other crimes. They seized the contents of around 1,400 safe deposit boxes, including cash (reportedly $86 million), gold, jewellery, and other valuables. While the warrant did not authorize a criminal search or seizure of individual box contents for renters not suspected of crimes, agents inventoried everything. Many box holders not accused of any crime had their assets seized and faced a lengthy, complicated process (civil asset forfeiture) to try and reclaim them. Courts later ruled the FBI’s actions in some aspects violated Fourth Amendment rights.
  2. Historically, Bank Holiday Seizures (e.g., US 1933 Gold Confiscation): While not recent and a different context, Executive Order 6102 in 1933 required US citizens to deliver most of their gold coins, gold bullion, and gold certificates to the Federal Reserve, effectively confiscating gold. Though not a direct safety deposit box raid for other valuables, it shows government power to seize specific assets even from presumed safe places during extreme crises.
  3. Potential for Misidentification/Overreach: In investigations targeting specific individuals for criminal activity, if that individual holds a safety deposit box, law enforcement might obtain a warrant for that specific box. However, errors in warrants or broad interpretations could potentially impact other boxes at a facility, or an entire facility if it’s deemed to be enabling crime, as seen with US Private Vaults.
  4. Civil Asset Forfeiture Concerns: Even if not initially targeted, if contents of a safety deposit box (e.g., large sums of unexplained cash) are discovered during a broader legitimate search of a facility (or even of an adjacent problematic box), authorities in some jurisdictions might attempt to seize those assets under civil asset forfeiture laws, putting the onus on the owner to prove their legitimacy.
Read More about Go Plans

Conclusion

The Offshore Zen Financial Go Plan, whether Managed or Self-Managed, provides a vital layer of security in an unpredictable world. By strategically placing liquid assets offshore and combining this with dedicated 24/7 crisis support, it ensures you have the financial means and expert assistance to navigate emergencies effectively. The Managed plan offers speed, simplicity, and enhanced protection for smaller sums, while the Self-Managed plan provides direct control and flexibility for larger amounts, albeit with a more involved setup. Evaluating your specific needs, risk tolerance, and the amount you wish to safeguard will determine the best path forward in building this essential component of your financial resilience.

Why You Need Offshore Zen in Your Corner

Life’s uncertainties and complexities demand a partner who’s always ready to help. Offshore Zen’s 24/7 Hub services offer unparalleled support, ensuring you can navigate crises and streamline daily operations with ease. Whether you’re an entrepreneur, an investor, or an expatriate, having Offshore Zen by your side means peace of mind, financial freedom, and the confidence to tackle any challenge.

Don’t wait for the unexpected to happen. Partner with us today and experience the power of having our experts and partners at your disposal, 24/7.  Arrange a free meeting here.

Frequently Asked Questions

The Financial Go Plan (Formerly Pack) is a tailored financial safety net designed to ensure immediate liquidity, asset protection, and strategic support during emergencies. Whether it's a natural disaster, political unrest, or personal crisis, this plan ensures you’re prepared to act quickly and protect your financial stability.

With an Offshorezen Managed Go Plan cash is available immediately via card or transfer or MoneyGram. Gold held in storage can normally be sold and converted to cash with 2 hours during working hours.

For self managed go plans the international banking partnerships, funds can typically be accessed via card immediately. Either way ensuring you have immediate liquidity when it matters most.

Absolutely. In addition to ensuring liquidity, we provide crisis management support, relocation assistance, and access to a global network of experts, including legal and logistical specialists. We are By your side 24/7.

Yes, payments are flexible for example you may wish to start your plan around the $9,000 USD level for increased confidentiality. 

It is really a question of control. With a managed plan the funds and assets sit under our segregated trusts, or in client Escrow. This means the assets are outside your estate and protected from the many risks discussed above. This benefit comes without cost to you.

With a managed plan you will set up offshore accounts directly in your name reducing the protection. You could setup offshore vehicles to add a layer of protection but at increased costs sometimes disproportionally high.  Go Plans are designed to provide 3 months liquidity while you overcome a crisis. The size should reflect this.  For longer term planning our Escape Plans and Offshore Plans are more appropriate.

Yes, payments are flexible for example you may wish to start your plan around the $9,000 USD level for increased confidentiality. 

Yes. Each plan is tailored to align with your specific financial situation, risk tolerance, and goals. Normally you should plan for 3 months of liquidity. This number will vary client to client. The minimum Go Plan is USD$10,000, but this can be built up over a number of smaller payments if required.

We assess your unique circumstances to build a robust, personalized solution that's best for you.  Some plans are a mixture of managed and self managed.

The Go Plan is designed for short term emergency preparedness, and forms part of an overall long term plan.  The Escape Plans and Offshore Plans include components like tax optimization, asset protection, and investment strategies to secure and grow your wealth in the long term. During your Free meeting we will happily discuss your long term plans to see how we can help.

Contact us today,  we will give you the best impartial advice.

Complete our Free meeting form, or give us a nudge on the live chat, Whatsapp or Telegram.  Or contact us here.

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Financial Go Plans and Escape plans are proactive and strategic approaches to preparing for unforeseen challenges, uncertainties, or emergencies. The specific reasons for needing them can vary depending on your individual circumstances.

An Offshore Plan is a combination of strategies that involves the use of Offshore Companies, Trusts, Offshore Banking and Visa or Immigration services. The aim is to legally reduce your taxes, protect your privacy and secure your assets. At the same time, save money and grow your assets through diversification.

All these strategies require more than one speciality and usually utilize the benefits of more than one jurisdiction and partners such as law firms, trustees and banks.

We do not sell investments, insurance bonds, offshore pension plans or any other heavily pushed, expensive investment vehicles and funds. Our partners are chosen on merit as leaders in their field. We act on your behalf, always ensuring the best advice for you.

Asset Protection and  Wealth Security have never been more important.  Being prepared for any event to ensure you always have Financial liquidity and Freedom.

We would love to hear from you if you have any questions or need assistance. Contact us. Or chat with us on WhatsApp or Telegram now.

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