Roy Walker provides financial advisory and wealth management services. He has over 20 years of experience in Asia and now works from Dubai. He takes a cautious approach to investing, focusing on long-term growth through diversification across asset classes and geographies. His financial planning process involves conducting a needs analysis, researching solutions, preparing a recommendation document, discussing options with clients, and ongoing monitoring and reviews. The goal is to help clients achieve their financial goals through a personalized and tailored approach.

1. Copyright©2019RoyWalker.Page1.
Financial Advisory &
Wealth Management Services
(Private Clients)
Roy Walker M.Eng., MBA(Fin)., DIC.

2. Copyright©2019RoyWalker.Page2.
o Started career in telecommunications engineering
o MBA (Finance), 1992 (Imperial College, London)
o Several corporate acquisitions and two IPOs (stock market listings)
o Former group commercial director of UK’s largest independent ISP
o Over 20 years in Asia; moved to Dubai in 2018
o Qualified in Singapore and holder of the International Certificate in
Wealth Management (CISI, UK)
o Awarded 2018 ‘Best Financial Planner’ in Singapore by FPAS (Financial
Planning Association of Singapore)
o Build long term client relationships based on trust and mutual respect
About Me

3. Copyright©2019RoyWalker.Page3.
o I respect how hard my clients work for their money
 It's not my job to take unnecessary risks
 Each client’s investment portfolio is tailor made for his or her specific needs
 I don’t delegate – you get my personal time and attention
o Financial Planning is not just about planning to meet objectives and
future milestones
 It’s also about making sure the 'worst case scenario' doesn't happen
 Optimistic people sometimes don’t plan enough for periodic disasters
 Cautious people sometimes don’t plan enough for long term success
o Most clients don’t have a financial background, or time to research
markets and investments themselves
 But they are smart and capable to make their own decisions
 It's my job to make recommendations and explain the best options
My Philosophy

4. Copyright©2019RoyWalker.Page4.
o Financial Planning
 What financial resources will you need at retirement, to make sure you can live the life you want
and don't run out of money?
o Tax saving structures
 How can you legally protect yourself from capital gains tax, and mitigate future income tax,
wherever your career may take you in the future?
o Retirement/pension savings plans
 Expat employers typically don't contribute to staff pensions – how can you use international
pension plans to plug the savings gap?
o Lump sum investing and wealth management
 How can you put your cash or investments to work effectively for you, beat the rates from your
bank, and still balance risk and return to suit your needs?
o Family protection and legacy planning
 How can you ensure your obligations are taken care of if something happens to you, and how
can you efficiently pass on wealth to the next generation?
Typical Client Needs

5. Copyright©2019RoyWalker.Page5.
My Role As Your Financial Advisor

6. Copyright©2019RoyWalker.Page6.
o Wealth Creation
 Tax-efficient savings and retirement
planning
 Education fee planning
 Other financial milestones
o Wealth Management
 Existing portfolio risk and cost analysis
 Bespoke portfolio construction
 Investment management
o Wealth Preservation
 Life & health insurance
 Tax efficient trust structures
 In-retirement asset management
Comprehensive Expertise
o Wealth Transfer
 Inter-generational wealth transfer
 Wills & estate planning
 Universal life & legacy
enhancement
 Trust funds & succession planning
o Corporate Solutions
 Group pension schemes
 Group protection plans
 Key man insurance
 Shareholder succession

7. Copyright©2019RoyWalker.Page7.
Traditional, Consultative Approach

8. Copyright©2019RoyWalker.Page8.
o Understand the relationship between risk and return
o Exploit the power of consistent accumulation and compounding
growth
o Diversify across asset classes, geographies and currencies
o Take a long term view, and be patient
o Stay emotionally detached from the markets manic fluctuations
o Review and rebalance periodically but not too often
o Know when to seek assistance from a professional
Taking Control of Your Personal Finance

9. Copyright©2019RoyWalker.Page9.
o Not short term speculation
 We are not trying to outguess or ‘time’ the market
o When you buy shares either directly or indirectly (through funds),
you are owning a piece of a business, and entitled to a share of
profits (dividends), plus appreciation of capital value
 The world economy has grown by 660% since 1980
 Meanwhile the total value of listed companies worldwide has grown by 2600%
since 1980
o Economies can have cycles of growth and downturns, but in the long
term global economic growth is relentless
o The S&P500 index (the largest 500 companies in USA) has grown by
2300% since 1980.
What Is Investing?

10. Copyright©2019RoyWalker.Page10.
World Economic Growth -
GDP & World Market Capitalisation
0
500
1000
1500
2000
2500
3000
3500
0.0
10.0
20.0
30.0
40.0
50.0
60.0
70.0
80.0
90.0
100.0
1980 1985 1990 1995 2000 2005 2010 2015 2017 2018
Global Economy and World Market Capitalisation (USD$ Trillions)
with S&P500 (rightaxis)
World GDP World Mrkt Cap SP500

11. Copyright©2019RoyWalker.Page11.
USD Tr USD Tr
World GDP World Mrkt Cap SP500
1980 11.2 2.5 122.5
1985 12.8 4.6 242.1
1990 22.6 9.4 417.1
1995 30.9 17.1 740.7
2000 33.6 31.0 1148.1
2005 47.5 40.4 1418.3
2010 66.0 50.9 1257.6
2015 75.0 62.0 2238.8
2017 80.9 77.2 2506.9
2018 85.8 68.7 3025.9
666% 2648% 2370%
Power of a Long Term View

12. Copyright©2019RoyWalker.Page12.
o Are your savings working as hard as you think?
 Inflation reduces your purchasing power year on year
Don’t Just Watch from the Sidelines!

13. Copyright©2019RoyWalker.Page13.
o For a cautious saver, volatile markets can be stressful
o How to reduce risk and remove stress?
 “Dollar Cost Averaging”
Concerned about Stockmarket Volatility?
FTSE100 – 5 years to August 2011

14. Copyright©2019RoyWalker.Page14.
o The ‘Black Magic’ of the investment world
o Example
 ££££200,000200,000200,000200,000 investedinvestedinvestedinvested into FTSE100, spread over 40 months
commencing January 2008 (the worst time to invest in the
last 20 years, see previous chart)
 £5k per month invested only
 Sample unit prices
o Jan-08: 60.292
o Feb-09: 38.301 < a 36% fall
o Apr-11: 60.699 < recovered back to start price after 40 months
 When prices are low, you are buying more shares more
cheaply
 Total units acquired: 3885.893
 Value: £Value: £Value: £Value: £235,869235,869235,869235,869 (3885.893 units x 60.699 price)
 NET RETURN: 17.9NET RETURN: 17.9NET RETURN: 17.9NET RETURN: 17.9%%%% ---- over the 40 months spanning theover the 40 months spanning theover the 40 months spanning theover the 40 months spanning the
Global FinancialGlobal FinancialGlobal FinancialGlobal Financial CrisisCrisisCrisisCrisis!!!!
o Drip-feeding money into volatile markets reduces
market timing risk
 And can create profits even from a declining market
Dollar Cost Averaging
Month
Number
Month End
Date
Unit Price
£
Invested
£
Units
Bought
1 Jan-08 60.292 5,000 82.930
2 Feb-08 58.843 5,000 84.972
3 Mar-08 59.471 5,000 84.075
4 Apr-08 62.155 5,000 80.444
5 May-08 60.535 5,000 82.597
6 Jun-08 54.128 5,000 92.374
7 Jul-08 53.547 5,000 93.376
8 Aug-08 56.366 5,000 88.706
9 Sep-08 49.803 5,000 100.396
10 Oct-08 43.773 5,000 114.226
11 Nov-08 42.880 5,000 116.604
12 Dec-08 45.618 5,000 109.606
13 Jan-09 41.496 5,000 120.494
14 Feb-09 38.301 5,000 130.545
15 Mar-09 40.297 5,000 124.079
16 Apr-09 42.432 5,000 117.836
17 May-09 44.179 5,000 113.176
18 Jun-09 42.363 5,000 118.028
19 Jul-09 46.084 5,000 108.498
20 Aug-09 49.089 5,000 101.856
21 Sep-09 49.887 5,000 100.227
22 Oct-09 50.445 5,000 99.118
23 Nov-09 53.224 5,000 93.943
24 Dec-09 54.129 5,000 92.372
25 Jan-10 51.885 5,000 96.367
26 Feb-10 53.545 5,000 93.379
27 Mar-10 57.449 5,000 87.034
28 Apr-10 55.533 5,000 90.037
29 May-10 51.884 5,000 96.369
30 Jun-10 48.381 5,000 103.346
31 Jul-10 52.580 5,000 95.093
32 Aug-10 54.281 5,000 92.113
33 Sep-10 55.929 5,000 89.399
34 Oct-10 56.752 5,000 88.103
35 Nov-10 57.453 5,000 87.028
36 Dec-10 58.999 5,000 84.747
37 Jan-11 59.974 5,000 83.369
38 Feb-11 59.904 5,000 83.467
39 Mar-11 60.099 5,000 83.196
40 Apr-11 60.699 5,000 82.374
£200,000 3885.893

15. Copyright©2019RoyWalker.Page15.
o We can’t predict which will be the best performing assets from one
year to the next
o We diversify across sectors, geographies and currencies, to give us
downside protection and to capture global opportunities
 Bonds – government, corporate, national and international
 Developed Market Equities – North America, Europe & UK, Australasia & Japan
 Asia-Pacific and Emerging Markets – key regions for long term growth
 Property – global and regional
 Commodities – natural resources, agriculture, soft commodities
 Gold and precious metals – can play a role in defensive portfolios
 Themed and specialist investments – e.g. technology, pharmaceuticals, new energy
 Alternative Investments – uncorrelated performance
Safety In Diversification

16. Copyright©2019RoyWalker.Page16.
o Needs analysis – ‘Fact Find’
 We sit down together to review your situation and make ‘life goals’ financially tangible
o Solutions research
 I research the market to identify options that match your brief
o Financial plan & recommendation document
 I prepare your personal financial recommendation
o Discuss and consider best options
 We meet to discuss and explain all options so you can decide your preferred solution
o Put plan into action
 I handle the paperwork submissions
o Continuous monitoring, updates and periodic reviews
 My ongoing service
The Financial Planning Process

17. Thankyou for your interest
Email: Roy.walker@gwm-intl.com
Mobile/WhatsApp: +971 52 782 9850