Breakfast seminar
•
0 likes•129 views
I am running a breakfast seminar next Wednesday, the 12th of March in Hong Kong where I have two expert speakers on discussing what options are available to safeguard, protect and increase your UK pension options going forward, whether keeping in the UK or looking at international transfer options Please do contact me at BJ@THEHENLEYGROUP.COM.HK if you would like to attend Kind Regards Ben
Report
Share
Report
Share
Download to read offline
Recommended
Brian McEnry, Partner, Corporate Finance & Recovery Team, BDO
This document discusses using pensions to invest in primary care centers (PCCs) in Ireland. It notes that GP pensions currently cannot directly invest in PCCs due to rules against "self-investing" or investing in "pride of possession assets." However, it suggests that GPs could indirectly invest by putting money into a unit trust fund that then leverages loans to invest in multiple PCCs, including ones owned by contributing GPs. It provides details on tax relief percentages for pension contributions based on age. It also discusses using spouse pensions to make contributions that save tax while indirectly investing in PCCs through the unit trust.
ERA Solutions - What we can do for you
Sarah Portman formed an employee relations assistance business in 2013 with extensive experience in the field. The business assists insolvency practitioners by taking on tasks related to redundancy like consulting employees, processing claims, and liaising with unions and government agencies. They aim to ensure employees are paid promptly and reduce costs for insolvency practitioners.
Financial Advice You Can Trust
John Kendall of Independent Financial Advisers Lighthouse Financial Advice Limited provides financial advice to clients. He has 30 years of experience in large companies advising at board level. His financial planning process involves understanding a client's circumstances and goals, assessing their financial situation, developing recommendations, implementing plans, and providing regular reviews. He advises on areas like retirement planning, estate planning, business ownership, and taxation to help clients ensure they have sufficient funds.
Private 3rd Party Pension Sponsorship (3PPS)
This document discusses introducing private third-party pension sponsorship to help address issues with the UK pension system. It notes widening savings gaps and lost consumer confidence in pensions. It analyzes past schemes and concludes more innovation is needed rather than repeating past approaches. A potential third-party pension sponsorship model is outlined that could improve outcomes by providing extra funding support, focusing on consumers, and offering financial education alongside retirement solutions. Benefits could include reducing the savings gap and shifting liability away from the public sector.
Baillieu Holst Post Election Seminar July 2016
The Australian Election has delivered more uncertainty rather than less. Darryl Gobbett Chief Economist for Baillieu Holst looks at what that means for the economic landscape and in turn your investments and superannuation.
Baillieu Holst Post Election Seminar
The Election has delivered more uncertainty rather than less which will impact the economic landscape and in turn your investments and superannuation.
Super Is What YOU Make Of It!!!!
This presentation discusses Meridian Wealth Management, a boutique financial advisory firm. It notes that Meridian provides general financial advice but not personalized recommendations. It also states that the presentation does not contain all relevant information and is not a replacement for individual research or tax advice. The presentation was accompanied by an oral discussion.
NextPhase Flyer 1
The document discusses retirement income planning using a time-segmented approach to divide retirement assets among investments with different time horizons. This approach, called NextPhaseTM, aims to provide lifetime income during retirement. It employs variable annuities which carry market risk. Interested individuals can contact Coach4Retirees to learn more about how NextPhaseTM can help with retirement planning. The company provides retirement income planning services to help clients take withdrawals at a sustainable rate to enjoy retirement without running out of funds.
Recommended
Brian McEnry, Partner, Corporate Finance & Recovery Team, BDO
This document discusses using pensions to invest in primary care centers (PCCs) in Ireland. It notes that GP pensions currently cannot directly invest in PCCs due to rules against "self-investing" or investing in "pride of possession assets." However, it suggests that GPs could indirectly invest by putting money into a unit trust fund that then leverages loans to invest in multiple PCCs, including ones owned by contributing GPs. It provides details on tax relief percentages for pension contributions based on age. It also discusses using spouse pensions to make contributions that save tax while indirectly investing in PCCs through the unit trust.
ERA Solutions - What we can do for you
Sarah Portman formed an employee relations assistance business in 2013 with extensive experience in the field. The business assists insolvency practitioners by taking on tasks related to redundancy like consulting employees, processing claims, and liaising with unions and government agencies. They aim to ensure employees are paid promptly and reduce costs for insolvency practitioners.
Financial Advice You Can Trust
John Kendall of Independent Financial Advisers Lighthouse Financial Advice Limited provides financial advice to clients. He has 30 years of experience in large companies advising at board level. His financial planning process involves understanding a client's circumstances and goals, assessing their financial situation, developing recommendations, implementing plans, and providing regular reviews. He advises on areas like retirement planning, estate planning, business ownership, and taxation to help clients ensure they have sufficient funds.
Private 3rd Party Pension Sponsorship (3PPS)
This document discusses introducing private third-party pension sponsorship to help address issues with the UK pension system. It notes widening savings gaps and lost consumer confidence in pensions. It analyzes past schemes and concludes more innovation is needed rather than repeating past approaches. A potential third-party pension sponsorship model is outlined that could improve outcomes by providing extra funding support, focusing on consumers, and offering financial education alongside retirement solutions. Benefits could include reducing the savings gap and shifting liability away from the public sector.
Baillieu Holst Post Election Seminar July 2016
The Australian Election has delivered more uncertainty rather than less. Darryl Gobbett Chief Economist for Baillieu Holst looks at what that means for the economic landscape and in turn your investments and superannuation.
Baillieu Holst Post Election Seminar
The Election has delivered more uncertainty rather than less which will impact the economic landscape and in turn your investments and superannuation.
Super Is What YOU Make Of It!!!!
This presentation discusses Meridian Wealth Management, a boutique financial advisory firm. It notes that Meridian provides general financial advice but not personalized recommendations. It also states that the presentation does not contain all relevant information and is not a replacement for individual research or tax advice. The presentation was accompanied by an oral discussion.
NextPhase Flyer 1
The document discusses retirement income planning using a time-segmented approach to divide retirement assets among investments with different time horizons. This approach, called NextPhaseTM, aims to provide lifetime income during retirement. It employs variable annuities which carry market risk. Interested individuals can contact Coach4Retirees to learn more about how NextPhaseTM can help with retirement planning. The company provides retirement income planning services to help clients take withdrawals at a sustainable rate to enjoy retirement without running out of funds.
Smart money july august_issue_singles_per
Financial adviser client newsletters
Client-facing personalised newsletters are an exceptional and proven vehicle for strengthening relationships with clients. There has never been a more important time, especially during this current economic climate, for professional financial advisers to consider the benefits of using a newsletter to communicate with their clients or professional connections.
Client retention and the loss of hard-earned clients
In these post-RDR times, one of the biggest concerns facing many professional financial advisers is client retention and the loss of hard-earned clients to another competitor. To ensure that this doesn't happen to your business, our advice is that you need to do everything possible to stay engaged with your clients and keep reminding them about why they chose you in the first place.
You don't have to waste your valuable time
Goldmine Media do everything for you, so you don't have to waste your valuable time and effort putting your own newsletter together. We take care of the editorial and imagery selection, right through to the print and delivery to you, and can even post each copy directly to your clients with a covering marketing letter in a high-grade polywrap.
Personal finance subjects presented in a clear and engaging way
Our carefully designed newsletters feature your business name, logo (photograph if required), contact details and regulatory statement, and we present even the most complex of personal finance subjects to your clients in a clear and engaging way.
Newsletters are printed on superior-quality paper and are a perfect time-saving marketing channel that will enable professional financial advisers to deliver increased revenues for their business.
Advisor Talk Winter 2016
Jerry Juhnke, owner of Juhnke Financial Group, announces that in about 2.5 years Glen Snell will purchase the business while Jerry continues serving clients; Philip Edgar and Grant Garwood will take over some client responsibilities and build their own practices; the combined staff with Prairie Hills Financial Group will create efficiencies while Jerry's role does not change for the next 2.5 years.
Newsletter march-2016
The document discusses several topics:
1) The introduction of new pension freedom rules in the UK which gave clients more flexibility in how they access their pension benefits. These rules were well-received by clients.
2) Global market volatility in 2015 and the importance of reducing investment risk.
3) New auto-enrollment legislation that will require all UK employers to enroll their staff in a workplace pension by 2018. The company offers a low-cost pension solution for small businesses.
4) Introduces the team of financial advisors at the company.
Staff Benefits Newsletter 2016
This document provides updates from an independent financial advisory firm on recent changes in the financial industry. It discusses:
1) The introduction of new pension freedom rules in the UK, which were well-received as they provide more flexibility in how pension benefits can be taken. The firm has acquired a new planning tool to help clients understand their options.
2) Continued global market volatility in 2015 and the importance of reducing investment risk. The firm's wealth management service addresses this.
3) The impact of auto-enrollment legislation on small employers and the firm's development of a low-cost workplace pension scheme for clients who own businesses.
4) Introductions for the financial advisors at the firm and
Newsletter march-2016
This document provides updates from an independent financial advisory firm on recent changes in the financial industry. It discusses:
1) The introduction of new pension freedom rules in the UK, which were well-received by clients who could benefit from added flexibility in how and when they take pension benefits.
2) Continued global market volatility in 2015 and the importance of reducing investment risk through diversification.
3) New auto-enrollment legislation in the UK that will require all employers to enroll staff in workplace pension schemes by 2018. The firm has developed a low-cost pension solution for business owners.
Smart money november december_2013 issue_singles_per
This document is a magazine that provides financial advice to help readers make more of their money. The main articles discuss:
1) Giving grandchildren pensions as gifts that provide tax benefits and set them up for retirement.
2) The importance of reviewing one's long-term pension investment strategy and considering different options like income drawdown to maximize funds for retirement.
3) Writing a will as a new year's resolution to ensure one's estate goes to loved ones and avoids unnecessary taxes.
Pension Certification webinar
When is your pension scheme certificate due for renewal? Has your pay structure or pension contribution basis changed? This may affect your certification. Our webinar will help you through this complex but crucially important part of the auto-enrolment process. Hosted by our consultant Tasha Hartley.
Clear Money March & April 2015 Edition.PDF
The document summarizes key information from a financial magazine published by Fairstone Financial Management Ltd. It discusses upcoming pension reforms in the UK that will take effect on April 6, 2015, including the ability to withdraw up to 25% of pension funds as tax-free cash from age 55. It outlines options for withdrawing funds, such as lump sums, income drawdown, or purchasing an annuity. It also discusses tax implications of withdrawals and limits on future pension contributions. The magazine provides information on financial planning areas like savings, investments, pensions, insurance and mortgages.
Australians working in Asia: how to make the most of your offshore assignment
This white paper has been prepared in conjunction with specialist tax advisers for internationally mobile executives. The objective is to provide a broad understanding of the impact of different jurisdictions on personal wealth including the family home, investment and retirement funds. With increased savings ability and smart strategies, expats who have access to the right advice will be able to make the most financially of their offshore assignments.
Building Your Retirement Pay Cheque
The document discusses retirement income planning, including determining retirement expenses, identifying sources of retirement income from employer pensions, government benefits, and personal savings, and strategies for maximizing retirement income through income layering, income splitting, and understanding tax credits. The goal of retirement income planning is to ensure one's sources of income are sufficient to cover expenses throughout retirement and provide financial security. Challenges to consider include longevity, health care costs, investment returns, withdrawal rates, and inflation.
Stephen Wilkinson Stamford Bridge 200905
The document discusses care fees planning and long-term care funding options. It provides some key facts about the long-term care market, including that over 90,000 elderly people enter care homes each year in the UK. It introduces Stephen Wilkinson and his company Symponia Limited, which provides care fees planning and advocacy services. Finally, it outlines various care fees planning strategies and options that can help clients fund their long-term care needs.
Company Presentation
Adviser Finder provides a 60-minute confidential consultation service to help clients understand their current financial situation, set life goals, and identify the best suited financial adviser. During the consultation, Adviser Finder takes a holistic approach to understand the client's life and family in order to build rapport and provide clarity and a path forward. Next steps include Adviser Finder introducing the client to a partner financial planning corporate and referring the client file for ongoing support and engagement.
Final salary pension transfer the pension review service
This document discusses the benefits and risks of transferring out of a final salary pension scheme. It notes that changes to pension and inheritance tax rules in 2014 made transfers more viable. The benefits listed include more flexible withdrawals, control over funds, ability to pass funds to heirs. However, there are also risks like the transfer value possibly being too low, no going back once transferred, investment risks. It stresses the importance of seeking independent financial advice due to the complexity involved in such decisions.
Hamptons July-August 2016 Newsletter
The document discusses various topics related to retirement planning and pensions. It provides advice on assessing whether you will be able to afford your desired retirement lifestyle, consolidating separate pension pots into one for simplicity, and having more choice over how you can access your pension savings following rule changes. The articles aim to help readers make informed decisions about funding their retirement and taking advantage of new freedoms over pension income options.
Guide To Qrops Pension Planning
This document provides information about QROPS (Qualifying Recognised Overseas Pension Schemes), which allow individuals to transfer UK pensions to other jurisdictions when retiring abroad. Key points include:
- QROPS schemes must meet HMRC criteria like being recognized in the country and having maximum 30% lump sum withdrawals.
- Benefits of transferring to a QROPS include greater investment freedom, ability to pass funds to beneficiaries, and potential tax benefits depending on the country.
- Individuals must be between 18-75, have at least £50,000 in their pension, and plan to live overseas permanently or for 5+ years to qualify for a QROPS transfer.
Openwork presentation - 2015
- Auto enrolment requirements in the UK will be increasing in 2015 and beyond, with more employers needing to comply and contribute more to employees' pensions.
- The Pensions Regulator is increasing enforcement, issuing escalating fines to ensure compliance as auto enrolment duties affect over 600,000 small and medium employers annually from 2015 onwards.
- Outsourcing auto enrolment administration to a managed service provider takes the burden off employers and can help advisers generate new business by assisting clients with their auto enrolment obligations.
Accounting Conference 2016 - BROCHURE
The document advertises and provides information about the Accounting Conference 2016. It will include sessions to help attendees prepare, grow, and lead as financial professionals. The conference will provide updates on key changes in financial reporting, tools to help attendees reach their full potential, and ways to build a career toolkit. It will have three streams of sessions on financial reporting, business performance reporting, and business insights. Presenters will discuss topics like data analytics, lease accounting changes, and business strategy. The conference aims to create tomorrow's leaders and provide value for those wanting to stay up-to-date, gain skills, or get new perspectives.
401k Action Steps Guide
In this special report, we help you avoid common (and expensive) rollover mistakes and show you how you can use your 401(k) rollover as an opportunity to help your retirement preparations.
Employee Financial Resource Program
Help Employees Reach Their Financial Goals - Regardless of the size of your business or the
type of benefits you provide, the Employee
Financial Resource Program offers you many
advantages • Highlights what you provide to your
employees as the foundation of their financial
security, which reinforces goodwill and helps
employee morale and retention
• May increase productivity as employees
gain more control over their financial future
• Allows you to distance yourself from offering
financial advice
• Facilitates offering another valuable benefit to
your employees, with no cost to you
Openworks presentation
This document summarizes key information about auto-enrollment requirements in the UK in 2015. It notes that over 150,000 employers will need to comply with auto-enrollment in 2015-2016, and over 600,000 by 2016-2017. It outlines the Pensions Regulator is increasing enforcement, issuing escalating fines for noncompliance. It positions financial advisors as a solution to help employers navigate over 70 tasks required to comply with auto-enrollment requirements before, at and after their staging date. Services described include managed auto-enrollment programs and support packages to take on tasks for employers.
The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic Data
In this presentation, we will explore the rise of generative AI in finance and its potential to reshape the industry. We will discuss how generative AI can be used to develop new products, combat fraud, and revolutionize risk management. Finally, we will address some of the ethical considerations and challenges associated with this powerful technology.
Sources of Revenue for State Government - Prof Oyedokun.pptx
Sources of Revenue for State Government - Prof Oyedokun.pptxGodwin Emmanuel Oyedokun MBA MSc PhD FCA FCTI FCNA CFE FFAR
Lecture slide on Sources of Revenue for State GovernmentMore Related Content
Similar to Breakfast seminar
Smart money july august_issue_singles_per
Financial adviser client newsletters
Client-facing personalised newsletters are an exceptional and proven vehicle for strengthening relationships with clients. There has never been a more important time, especially during this current economic climate, for professional financial advisers to consider the benefits of using a newsletter to communicate with their clients or professional connections.
Client retention and the loss of hard-earned clients
In these post-RDR times, one of the biggest concerns facing many professional financial advisers is client retention and the loss of hard-earned clients to another competitor. To ensure that this doesn't happen to your business, our advice is that you need to do everything possible to stay engaged with your clients and keep reminding them about why they chose you in the first place.
You don't have to waste your valuable time
Goldmine Media do everything for you, so you don't have to waste your valuable time and effort putting your own newsletter together. We take care of the editorial and imagery selection, right through to the print and delivery to you, and can even post each copy directly to your clients with a covering marketing letter in a high-grade polywrap.
Personal finance subjects presented in a clear and engaging way
Our carefully designed newsletters feature your business name, logo (photograph if required), contact details and regulatory statement, and we present even the most complex of personal finance subjects to your clients in a clear and engaging way.
Newsletters are printed on superior-quality paper and are a perfect time-saving marketing channel that will enable professional financial advisers to deliver increased revenues for their business.
Advisor Talk Winter 2016
Jerry Juhnke, owner of Juhnke Financial Group, announces that in about 2.5 years Glen Snell will purchase the business while Jerry continues serving clients; Philip Edgar and Grant Garwood will take over some client responsibilities and build their own practices; the combined staff with Prairie Hills Financial Group will create efficiencies while Jerry's role does not change for the next 2.5 years.
Newsletter march-2016
The document discusses several topics:
1) The introduction of new pension freedom rules in the UK which gave clients more flexibility in how they access their pension benefits. These rules were well-received by clients.
2) Global market volatility in 2015 and the importance of reducing investment risk.
3) New auto-enrollment legislation that will require all UK employers to enroll their staff in a workplace pension by 2018. The company offers a low-cost pension solution for small businesses.
4) Introduces the team of financial advisors at the company.
Staff Benefits Newsletter 2016
This document provides updates from an independent financial advisory firm on recent changes in the financial industry. It discusses:
1) The introduction of new pension freedom rules in the UK, which were well-received as they provide more flexibility in how pension benefits can be taken. The firm has acquired a new planning tool to help clients understand their options.
2) Continued global market volatility in 2015 and the importance of reducing investment risk. The firm's wealth management service addresses this.
3) The impact of auto-enrollment legislation on small employers and the firm's development of a low-cost workplace pension scheme for clients who own businesses.
4) Introductions for the financial advisors at the firm and
Newsletter march-2016
This document provides updates from an independent financial advisory firm on recent changes in the financial industry. It discusses:
1) The introduction of new pension freedom rules in the UK, which were well-received by clients who could benefit from added flexibility in how and when they take pension benefits.
2) Continued global market volatility in 2015 and the importance of reducing investment risk through diversification.
3) New auto-enrollment legislation in the UK that will require all employers to enroll staff in workplace pension schemes by 2018. The firm has developed a low-cost pension solution for business owners.
Smart money november december_2013 issue_singles_per
This document is a magazine that provides financial advice to help readers make more of their money. The main articles discuss:
1) Giving grandchildren pensions as gifts that provide tax benefits and set them up for retirement.
2) The importance of reviewing one's long-term pension investment strategy and considering different options like income drawdown to maximize funds for retirement.
3) Writing a will as a new year's resolution to ensure one's estate goes to loved ones and avoids unnecessary taxes.
Pension Certification webinar
When is your pension scheme certificate due for renewal? Has your pay structure or pension contribution basis changed? This may affect your certification. Our webinar will help you through this complex but crucially important part of the auto-enrolment process. Hosted by our consultant Tasha Hartley.
Clear Money March & April 2015 Edition.PDF
The document summarizes key information from a financial magazine published by Fairstone Financial Management Ltd. It discusses upcoming pension reforms in the UK that will take effect on April 6, 2015, including the ability to withdraw up to 25% of pension funds as tax-free cash from age 55. It outlines options for withdrawing funds, such as lump sums, income drawdown, or purchasing an annuity. It also discusses tax implications of withdrawals and limits on future pension contributions. The magazine provides information on financial planning areas like savings, investments, pensions, insurance and mortgages.
Australians working in Asia: how to make the most of your offshore assignment
This white paper has been prepared in conjunction with specialist tax advisers for internationally mobile executives. The objective is to provide a broad understanding of the impact of different jurisdictions on personal wealth including the family home, investment and retirement funds. With increased savings ability and smart strategies, expats who have access to the right advice will be able to make the most financially of their offshore assignments.
Building Your Retirement Pay Cheque
The document discusses retirement income planning, including determining retirement expenses, identifying sources of retirement income from employer pensions, government benefits, and personal savings, and strategies for maximizing retirement income through income layering, income splitting, and understanding tax credits. The goal of retirement income planning is to ensure one's sources of income are sufficient to cover expenses throughout retirement and provide financial security. Challenges to consider include longevity, health care costs, investment returns, withdrawal rates, and inflation.
Stephen Wilkinson Stamford Bridge 200905
The document discusses care fees planning and long-term care funding options. It provides some key facts about the long-term care market, including that over 90,000 elderly people enter care homes each year in the UK. It introduces Stephen Wilkinson and his company Symponia Limited, which provides care fees planning and advocacy services. Finally, it outlines various care fees planning strategies and options that can help clients fund their long-term care needs.
Company Presentation
Adviser Finder provides a 60-minute confidential consultation service to help clients understand their current financial situation, set life goals, and identify the best suited financial adviser. During the consultation, Adviser Finder takes a holistic approach to understand the client's life and family in order to build rapport and provide clarity and a path forward. Next steps include Adviser Finder introducing the client to a partner financial planning corporate and referring the client file for ongoing support and engagement.
Final salary pension transfer the pension review service
This document discusses the benefits and risks of transferring out of a final salary pension scheme. It notes that changes to pension and inheritance tax rules in 2014 made transfers more viable. The benefits listed include more flexible withdrawals, control over funds, ability to pass funds to heirs. However, there are also risks like the transfer value possibly being too low, no going back once transferred, investment risks. It stresses the importance of seeking independent financial advice due to the complexity involved in such decisions.
Hamptons July-August 2016 Newsletter
The document discusses various topics related to retirement planning and pensions. It provides advice on assessing whether you will be able to afford your desired retirement lifestyle, consolidating separate pension pots into one for simplicity, and having more choice over how you can access your pension savings following rule changes. The articles aim to help readers make informed decisions about funding their retirement and taking advantage of new freedoms over pension income options.
Guide To Qrops Pension Planning
This document provides information about QROPS (Qualifying Recognised Overseas Pension Schemes), which allow individuals to transfer UK pensions to other jurisdictions when retiring abroad. Key points include:
- QROPS schemes must meet HMRC criteria like being recognized in the country and having maximum 30% lump sum withdrawals.
- Benefits of transferring to a QROPS include greater investment freedom, ability to pass funds to beneficiaries, and potential tax benefits depending on the country.
- Individuals must be between 18-75, have at least £50,000 in their pension, and plan to live overseas permanently or for 5+ years to qualify for a QROPS transfer.
Openwork presentation - 2015
- Auto enrolment requirements in the UK will be increasing in 2015 and beyond, with more employers needing to comply and contribute more to employees' pensions.
- The Pensions Regulator is increasing enforcement, issuing escalating fines to ensure compliance as auto enrolment duties affect over 600,000 small and medium employers annually from 2015 onwards.
- Outsourcing auto enrolment administration to a managed service provider takes the burden off employers and can help advisers generate new business by assisting clients with their auto enrolment obligations.
Accounting Conference 2016 - BROCHURE
The document advertises and provides information about the Accounting Conference 2016. It will include sessions to help attendees prepare, grow, and lead as financial professionals. The conference will provide updates on key changes in financial reporting, tools to help attendees reach their full potential, and ways to build a career toolkit. It will have three streams of sessions on financial reporting, business performance reporting, and business insights. Presenters will discuss topics like data analytics, lease accounting changes, and business strategy. The conference aims to create tomorrow's leaders and provide value for those wanting to stay up-to-date, gain skills, or get new perspectives.
401k Action Steps Guide
In this special report, we help you avoid common (and expensive) rollover mistakes and show you how you can use your 401(k) rollover as an opportunity to help your retirement preparations.
Employee Financial Resource Program
Help Employees Reach Their Financial Goals - Regardless of the size of your business or the
type of benefits you provide, the Employee
Financial Resource Program offers you many
advantages • Highlights what you provide to your
employees as the foundation of their financial
security, which reinforces goodwill and helps
employee morale and retention
• May increase productivity as employees
gain more control over their financial future
• Allows you to distance yourself from offering
financial advice
• Facilitates offering another valuable benefit to
your employees, with no cost to you
Openworks presentation
This document summarizes key information about auto-enrollment requirements in the UK in 2015. It notes that over 150,000 employers will need to comply with auto-enrollment in 2015-2016, and over 600,000 by 2016-2017. It outlines the Pensions Regulator is increasing enforcement, issuing escalating fines for noncompliance. It positions financial advisors as a solution to help employers navigate over 70 tasks required to comply with auto-enrollment requirements before, at and after their staging date. Services described include managed auto-enrollment programs and support packages to take on tasks for employers.
Similar to Breakfast seminar (20)
Smart money november december_2013 issue_singles_per
Smart money november december_2013 issue_singles_per
Australians working in Asia: how to make the most of your offshore assignment
Australians working in Asia: how to make the most of your offshore assignment
Final salary pension transfer the pension review service
Final salary pension transfer the pension review service
Recently uploaded
The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic Data
In this presentation, we will explore the rise of generative AI in finance and its potential to reshape the industry. We will discuss how generative AI can be used to develop new products, combat fraud, and revolutionize risk management. Finally, we will address some of the ethical considerations and challenges associated with this powerful technology.
Sources of Revenue for State Government - Prof Oyedokun.pptx
Sources of Revenue for State Government - Prof Oyedokun.pptxGodwin Emmanuel Oyedokun MBA MSc PhD FCA FCTI FCNA CFE FFAR
Lecture slide on Sources of Revenue for State Government一比一原版(UoB毕业证)伯明翰大学毕业证如何办理
UoB本科学位证成绩单【微信95270640】伯明翰大学没毕业>办理伯明翰大学毕业证成绩单【微信UoB】UoB毕业证成绩单UoB学历证书UoB文凭《UoB毕业套号文凭网认证伯明翰大学毕业证成绩单》《哪里买伯明翰大学毕业证文凭UoB成绩学校快递邮寄信封》《开版伯明翰大学文凭》UoB留信认证本科硕士学历认证
如果您是以下情况，我们都能竭诚为您解决实际问题：【公司采用定金+余款的付款流程，以最大化保障您的利益，让您放心无忧】
1、在校期间，因各种原因未能顺利毕业，拿不到官方毕业证+微信95270640
2、面对父母的压力，希望尽快拿到伯明翰大学伯明翰大学硕士毕业证成绩单；
3、不清楚流程以及材料该如何准备伯明翰大学伯明翰大学硕士毕业证成绩单；
4、回国时间很长，忘记办理；
5、回国马上就要找工作，办给用人单位看；
6、企事业单位必须要求办理的；
面向美国乔治城大学毕业留学生提供以下服务:
【★伯明翰大学伯明翰大学硕士毕业证成绩单毕业证、成绩单等全套材料，从防伪到印刷，从水印到钢印烫金，与学校100%相同】
【★真实使馆认证（留学人员回国证明），使馆存档可通过大使馆查询确认】
【★真实教育部认证，教育部存档，教育部留服网站可查】
【★真实留信认证，留信网入库存档，可查伯明翰大学伯明翰大学硕士毕业证成绩单】
我们从事工作十余年的有着丰富经验的业务顾问，熟悉海外各国大学的学制及教育体系，并且以挂科生解决毕业材料不全问题为基础，为客户量身定制1对1方案，未能毕业的回国留学生成功搭建回国顺利发展所需的桥梁。我们一直努力以高品质的教育为起点，以诚信、专业、高效、创新作为一切的行动宗旨，始终把“诚信为主、质量为本、客户第一”作为我们全部工作的出发点和归宿点。同时为海内外留学生提供大学毕业证购买、补办成绩单及各类分数修改等服务；归国认证方面，提供《留信网入库》申请、《国外学历学位认证》申请以及真实学籍办理等服务，帮助众多莘莘学子实现了一个又一个梦想。
专业服务，请勿犹豫联系我
如果您真实毕业回国，对于学历认证无从下手，请联系我，我们免费帮您递交
诚招代理：本公司诚聘当地代理人员，如果你有业余时间，或者你有同学朋友需要，有兴趣就请联系我
你赢我赢，共创双赢
你做代理，可以帮助伯明翰大学同学朋友
你做代理，可以拯救伯明翰大学失足青年
你做代理，可以挽救伯明翰大学一个个人才
你做代理，你将是别人人生伯明翰大学的转折点
你做代理，可以改变自己，改变他人，给他人和自己一个机会大块就啃啃得满嘴满脸猴屁股般的红艳大家一个劲地指着对方吃吃地笑瓜裂得古怪奇形怪状却丝毫不影响瓜味甜丝丝的满嘴生津遍地都是瓜横七竖八的活像掷满了一地的大石块摘走二三只爷爷是断然发现不了的即便发现爷爷也不恼反而教山娃辨认孰熟孰嫩孰甜孰淡名义上是护瓜往往在瓜棚里坐上一刻饱吃一顿后山娃就领着阿黑漫山遍野地跑阿黑是一条黑色的大猎狗挺机灵的是山娃多年的忠实伙伴平时山娃上学阿黑也摇头晃脑地跟去暑假用不着上学阿钩
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...
Whatsapp (+971581248768) Buy Abortion Pills In Dubai/ Qatar/Kuwait/Doha/Abu Dhabi/Alain/RAK City/Satwa/Al Ain/Abortion Pills For Sale In Qatar, Doha. Abu az Zuluf. Abu Thaylah. Ad Dawhah al Jadidah. Al Arish, Al Bida ash Sharqiyah, Al Ghanim, Al Ghuwariyah, Qatari, Abu Dhabi, Dubai.. WHATSAPP +971)581248768 Abortion Pills / Cytotec Tablets Available in Dubai, Sharjah, Abudhabi, Ajman, Alain, Fujeira, Ras Al Khaima, Umm Al Quwain., UAE, buy cytotec in Dubai– Where I can buy abortion pills in Dubai,+971582071918where I can buy abortion pills in Abudhabi +971)581248768 , where I can buy abortion pills in Sharjah,+97158207191 8where I can buy abortion pills in Ajman, +971)581248768 where I can buy abortion pills in Umm al Quwain +971)581248768 , where I can buy abortion pills in Fujairah +971)581248768 , where I can buy abortion pills in Ras al Khaimah +971)581248768 , where I can buy abortion pills in Alain+971)581248768 , where I can buy abortion pills in UAE +971)581248768 we are providing cytotec 200mg abortion pill in dubai, uae.Medication abortion offers an alternative to Surgical Abortion for women in the early weeks of pregnancy. Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman
一比一原版(UCSB毕业证)圣芭芭拉分校毕业证如何办理
UCSB毕业证文凭证书【微信95270640】办理圣芭芭拉分校毕业证成绩单（Q微信95270640）毕业证学历认证OFFER专卖国外文凭学历学位证书办理澳洲文凭|澳洲毕业证,澳洲学历认证,澳洲成绩单 澳洲offer,教育部学历认证及使馆认证永久可查 ,国外毕业证|国外学历认证,国外学历文凭证书 UCSB毕业证，UCSB毕业证，UCSB毕业证，UCSB毕业证，UCSB毕业证，UCSB毕业证，UCSB毕业证，专业为留学生办理毕业证、成绩单、使馆留学回国人员证明、教育部学历学位认证、录取通知书、Offer、
【实体公司】办圣芭芭拉分校圣芭芭拉分校毕业证成绩单学历认证学位证文凭认证办留信网认证办留服认证办教育部认证（网上可查实体公司专业可靠）
— — — 留学归国服务中心 — — -
【主营项目】
一.圣芭芭拉分校毕业证成绩单使馆认证教育部认证成绩单等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
国外毕业证学位证成绩单办理流程：
1客户提供圣芭芭拉分校圣芭芭拉分校毕业证成绩单办理信息：姓名生日专业学位毕业时间等（如信息不确定可以咨询顾问：我们有专业老师帮你查询）；
2开始安排制作毕业证成绩单电子图；
3毕业证成绩单电子版做好以后发送给您确认；
4毕业证成绩单电子版您确认信息无误之后安排制作成品；
5成品做好拍照或者视频给您确认；
6快递给客户（国内顺丰国外DHLUPS等快读邮寄）。
专业服务请勿犹豫联系我！本公司是留学创业和海归创业者们的桥梁。一次办理终生受用一步到位高效服务。详情请在线咨询办理,欢迎有诚意办理的客户咨询!洽谈。
招聘代理：本公司诚聘英国加拿大澳洲新西兰美国法国德国新加坡各地代理人员如果你有业余时间有兴趣就请联系我们咨询顾问：+微信:95270640田里逡巡一番抱起一只硕大的西瓜用石刀劈开抑或用拳头砸开每人抱起一大块就啃啃得满嘴满脸猴屁股般的红艳大家一个劲地指着对方吃吃地笑瓜裂得古怪奇形怪状却丝毫不影响瓜味甜丝丝的满嘴生津遍地都是瓜横七竖八的活像掷满了一地的大石块摘走二三只爷爷是断然发现不了的即便发现爷爷也不恼反而教山娃辨认孰熟孰嫩孰甜孰淡名义上是护瓜往往在瓜棚里坐上一刻饱吃一顿后山娃就领着阿黑漫山遍野地跑阿黑是一条黑色的大猎狗挺机灵的是山室
Earn a passive income with prosocial investing
Invest in prosocial funds that earn you an income while improving the world
An Overview of the Prosocial dHEDGE Vault works
How the prosocial dHEDGE earns you money while saving the world!
Tax System, Behaviour, Justice, and Voluntary Compliance Culture in Nigeria -...
Tax System, Behaviour, Justice, and Voluntary Compliance Culture in Nigeria -...Godwin Emmanuel Oyedokun MBA MSc PhD FCA FCTI FCNA CFE FFAR
Lecture slide titled Tax System, Behaviour, Justice, and Voluntary Compliance Culture in Nigeria - Prof Oyedokun.pptx1.2 Business Ideas Business Ideas Busine
Business Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas Powerpoint
Independent Study - College of Wooster Research (2023-2024)
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
2. Elemental Economics - Mineral demand.pdf
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
Seminar: Gender Board Diversity through Ownership Networks
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
1. Elemental Economics - Introduction to mining.pdf
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
Pensions and housing - Pensions PlayPen - 4 June 2024 v3 (1).pdf
Wayhome's analysis of the UK market and how pension schemes can help solve the problems it presents younger people
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
一比一原版(IC毕业证)帝国理工大学毕业证如何办理
IC毕业证文凭证书【微信95270640】一比一伪造帝国理工大学文凭@假冒IC毕业证成绩单+Q微信95270640办理IC学位证书@仿造IC毕业文凭证书@购买帝国理工大学毕业证成绩单IC真实使馆认证/真实留信认证回国人员证明
如果您是以下情况，我们都能竭诚为您解决实际问题：【公司采用定金+余款的付款流程，以最大化保障您的利益，让您放心无忧】
1、在校期间，因各种原因未能顺利毕业，拿不到官方毕业证+微信95270640
2、面对父母的压力，希望尽快拿到帝国理工大学帝国理工大学毕业证学历书；
3、不清楚流程以及材料该如何准备帝国理工大学帝国理工大学毕业证学历书；
4、回国时间很长，忘记办理；
5、回国马上就要找工作，办给用人单位看；
6、企事业单位必须要求办理的；
面向美国乔治城大学毕业留学生提供以下服务:
【★帝国理工大学帝国理工大学毕业证学历书毕业证、成绩单等全套材料，从防伪到印刷，从水印到钢印烫金，与学校100%相同】
【★真实使馆认证（留学人员回国证明），使馆存档可通过大使馆查询确认】
【★真实教育部认证，教育部存档，教育部留服网站可查】
【★真实留信认证，留信网入库存档，可查帝国理工大学帝国理工大学毕业证学历书】
我们从事工作十余年的有着丰富经验的业务顾问，熟悉海外各国大学的学制及教育体系，并且以挂科生解决毕业材料不全问题为基础，为客户量身定制1对1方案，未能毕业的回国留学生成功搭建回国顺利发展所需的桥梁。我们一直努力以高品质的教育为起点，以诚信、专业、高效、创新作为一切的行动宗旨，始终把“诚信为主、质量为本、客户第一”作为我们全部工作的出发点和归宿点。同时为海内外留学生提供大学毕业证购买、补办成绩单及各类分数修改等服务；归国认证方面，提供《留信网入库》申请、《国外学历学位认证》申请以及真实学籍办理等服务，帮助众多莘莘学子实现了一个又一个梦想。
专业服务，请勿犹豫联系我
如果您真实毕业回国，对于学历认证无从下手，请联系我，我们免费帮您递交
诚招代理：本公司诚聘当地代理人员，如果你有业余时间，或者你有同学朋友需要，有兴趣就请联系我
你赢我赢，共创双赢
你做代理，可以帮助帝国理工大学同学朋友
你做代理，可以拯救帝国理工大学失足青年
你做代理，可以挽救帝国理工大学一个个人才
你做代理，你将是别人人生帝国理工大学的转折点
你做代理，可以改变自己，改变他人，给他人和自己一个机会美景更增添一份性感夹杂着一份纯洁的妖娆毫无违和感实在给人带来一份悠然幸福的心情如果说现在的审美已经断然拒绝了无声的话那么在树林间飞掠而过的小鸟叽叽咋咋的叫声是否就是这最后的点睛之笔悠然走在林间的小路上宁静与清香一丝丝的盛夏气息吸入身体昔日生活里的繁忙与焦躁早已淡然无存心中满是悠然清淡的芳菲身体不由的轻松脚步也感到无比的轻快走出这盘栾交错的小道眼前是连绵不绝的山峦浩荡天地间大自然毫无吝啬的展现它的达
快速制作美国迈阿密大学牛津分校毕业证文凭证书英文原版一模一样
原版一模一样【微信：741003700 】【美国迈阿密大学牛津分校毕业证文凭证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Recently uploaded (20)
The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic Data
The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic Data
Sources of Revenue for State Government - Prof Oyedokun.pptx
Sources of Revenue for State Government - Prof Oyedokun.pptx
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...
Tax System, Behaviour, Justice, and Voluntary Compliance Culture in Nigeria -...
Tax System, Behaviour, Justice, and Voluntary Compliance Culture in Nigeria -...
Independent Study - College of Wooster Research (2023-2024)
Independent Study - College of Wooster Research (2023-2024)
Seminar: Gender Board Diversity through Ownership Networks
Seminar: Gender Board Diversity through Ownership Networks
1. Elemental Economics - Introduction to mining.pdf
1. Elemental Economics - Introduction to mining.pdf
Pensions and housing - Pensions PlayPen - 4 June 2024 v3 (1).pdf
Pensions and housing - Pensions PlayPen - 4 June 2024 v3 (1).pdf
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...
Breakfast seminar
- 1. Invitation: breakfast seminar Following the recent change in lifetime allowances in the UK, QROPS & SIPPS offer a number of tax and investment advantages. However there are limitations, along with a lot of facts that need to be separated from the myth and misconceptions, which will be addressed at this breakfast seminar. ■■ If your pension is large then HMRC will charge up to 70% income tax on it. There could also be a tax charge of 55% of the fund when you die. These taxes can be significantly reduced, or avoided altogether, by transferring your pension overseas. ■■ If your pension is with a former employer, it could be one of the 72% of schemes that are in deficit. If the scheme goes bust, your benefits could be significantly reduced. This eventuality can be avoided by transferring your benefits out. Due to limited seating, please register early to avoid disappointment. A hot breakfast will be served during the presentation. Date Wednesday 12 March 2014 Time Registration from: 7:45am 8:00am - 10:00am Venue Presidents’ Room 48/F The American Club Two Exchange Square Central, Hong Kong Speakers Jason Pearce Skandia International Ben Lester Brooklands Pensions For more information, please contact: Ben Jones, Senior Consultant T: +852 2824 1083 E: bj@thehenleygroup.com.hk Hong Kong Singapore Shanghai London THE WEALTH MANAGEMENT PROFESSIONALS IMPORTANT DISCLAIMER – The Henley Group is not a tax adviser and at no time does it give tax advice or recommendation. No content herein constitutes, or shall be construed as, advice or recommendation of any sort; and no reliance of any sort should be placed thereon. Any view or opinion of the speakers expressed by the speakers are their personal expressions and do not in any way represent those of The Henley Group of its representatives, and The Henley Group hereby expressly disclaims any responsibility, liability or claim arising in connection with such personal expressions.