Episode 39: Forex Services to Family Offices, Charles Garland: Claremont Wealth
In Episode 39, Caroline Garnham speaks with Charles Garland, a founding Partner and Director at Claremont Wealth. Charlie primarily manages the operational capacity of both the ‘Corporate and ‘Wealth’ divisions, and manages clients at NM Rothschild, Morgan Stanley, Saudi Aramco, and IBM, amongst numerous other institutions. As the driving force in the development and diversity of the Claremont Group, Charlie continues to push the company into new territories and to discover the full potential of the business.
Episode 38: Active Investing, Charlotte Thorne: CapGen
In Episode 38, Caroline Garnham speaks with Charlotte Thorne, a Founding Partner of Capital Generation Partners. Charlotte's focus is on maintaining excellence in the firm's external interactions - with clients, regulators and providers. Charlotte runs the mechanics of the firm and oversees the complexities of client take-on and marrying client needs to service delivery. Listen to find out more about the interesting work CapGen are doing.
Episode 37: Working with Partners, Matthew Steiner: Stellar AM
In Episode 37, Caroline Garnham speaks with Matthew Steiner, a Corporate Development Director at Stellar Asset Management. Matthew has over 20 years of experience in the Financial Service Industry. Caroline and Matthew talk about Stellar's vision relating to investing for now, as well as investing for the next generation without having to pay inheritance tax!
Episode 36: Investing for Death, Jonathan Gain: Stellar AM
In Episode 36, Caroline Garnham talks to Jonathan Gain, Chief Executive of Asset Management Firm, Stellar. Drawing on his wide-ranging experience, Jonathan established Stellar Asset Management in 2007 along with the former founder of Close Brothers Investment Limited and two other colleagues. Although formed without Covid 19 in mind, Jonathan recognised what he calls an Inheritance Economy – the transfer of wealth over the next thirty years of £5.5 trillion. Listen now, to hear more on his view on investment.
Episode 35: Winner of the PAM Cautious Award, Noel Craven: Quartet
In Episode 35, Caroline Garnham speaks with Noel Craven, an Investment Director at Quartet Investment Managers. Noel has over 20 years of Investment Management experience for High Net Worth International clients. Caroline and Noel talk about what it means to be winners of the the Private Asset Managers (PAM) Awards in the category "Investment Performance – Cautious Portfolios” award. They further discuss the proposed increase of the Capital Gains Tax and what it could mean for investors.
Episode 34: Tax Benefits in Portugal, Carlos Santos: Dixcart Group
In Episode 34, Caroline Garnham talks to Carlos Santos, the Managing Director of Dixcart in the Portugal office. Mark is responsible for the expansion of the office as well overseeing the existing client base and client management. Carlos established the Family Office line of service in Portugal which is focused in immigration and personal taxation of clients and their families. Caroline speaks with Carlos about the benefits of doing business in Portugal.
Episode 33: The Success Behind the Story, Caroline Garnham: GFOS
In Episode 33, we hear from Caroline Garnham the host of the Show and founder of GFOS, a private client law firm focussed on clients; a Culture of Care. Caroline speaks on the success behind her story. Did you know that, despite having written for the Weekend Financial Times for twelve years contributing ten articles a year – in which she pioneered the benefits of offshore trusts for non-UK domiciled individuals and how to use trusts offshore to avoid capital gains tax – Caroline did not win one piece of new business – not one.
Episode 32: Doing Deals, Nick Harvey: Highstead Partners
In Episode 32, Caroline Garnham talks to Nick Harvey, Executive Chairman of Highstead Partners, which specialises in corporate finance. Their aim is to nurture the entrepreneurs behind the businesses throughout the lifecycle of a business – Caroline asks Nick for his opinion on how a forthcoming recession and change in capital gains tax could affect his clients, in his opinion raising revenue from capital gains tax is just a pimple on the backside of the elephant of debt, and no entrepreneur should try to take profits ahead of a tax raise – the business growth is the only factor to focus on.
Episode 31: Banking, John Cross: Mirabaud
In Episode 31, Caroline Garnham talks to John Cross, a Senior Vice President of Mirabaud, an international banking group that provides a clientele of private and institutional investors, companies and finance professionals with highly customised investment, private banking and asset management services. Caroline talks with John about the business of banking and how banks like Mirabaud make its money.
Episode 30: Britains No.1 Therapist, Marisa Peer: Marisa Peer
In Episode 30, Caroline Garnham talks to Marisa Peer, she is a world renowned speaker, Rapid Transformational Therapy trainer and best-selling author. Marisa has helped thousands of people face and overcome fears and is Britain’s No. 1 therapist. Caroline talks to Marisa about her book 'I Am Enough: Mark Your Mirror And Change Your Life', listen now to hear firsthand what Marisa has to say about the thought of "I am not good enough".
Episode 29: Professional Indemnity Insurance, Simon Fenn: Lockton
In Episode 29, Caroline Garnham talks to Simon Fenn, Partner of global family owned insurance company, Lockton. Insurance is the safety net which seeps into every nook and cranny of life, work and business – for peace of mind and asset protection insurance is a cost worth paying for.
Episode 28: Trusts in the Isle of Man, Tanya O’Carroll: Oak Group
In Episode 28, Caroline Garnham talks to Tanya O’Carroll, Managing Director of Oak Group, Isle of Man. Tanya has overall responsibility for the Isle of Man business delivering high quality client services whilst balancing the strategic financial and operational requirements of the business.
Episode 27: Financial Literacy and Women, Zoë Cousens: Castellet Consulting
In Episode 27, Caroline Garnham talks to Jo Stoddart, Director of Locate Guernsey. Jo paints a pretty picture – where the daily commute is a ten minute walk, the evenings can be spent having a BBQ on the beach, houses and cars need never be locked – and parents do not fear that their kids are vulnerable to released offenders.
Episode 26: Financial Literacy and Women, Zoë Cousens: Castellet Consulting
In Episode 26, Caroline Garnham talks to Zoë Cousens, Founder of Castellet Consulting. In her podcast this week she talks about providing financial education to women who may have been recently divorced or widowed, and employees who often spend up to three hours a week sorting out financial problems; time which could be saved with some education on how to budget and put in place a financial plan.
Episode 25: Taking the Burden of Money Management, Rebecca Bettany: JTC Group
In Episode 25, Caroline Garnham talks to Rebecca Bettany, Director of the JTC Private Office. Rebecca set up the JTC Private Office in 2018 and now focuses on the home markets of U.K. and Channel Islands as well as key clients. She talks about the work its private office at JTC has done for its clients during lockdown such as talking to the tenants of properties in their clients’ property portfolio to determine whether they will be able to pay the forthcoming rent during lockdown.
Episode 24: Post lockdown – what now? Caroline Garnham: GFOS
In Episode 24, Caroline Garnham, the host of this Podcast talks about pre and post lockdown – what we have learned and what we can do to make our world a better place. Caroline speaks about what we ought to do as Private Client Professionals post lockdown.
Episode 23: Jobocalypse Now, David Nield: VGS Recruitment
In Episode 23, Caroline Garnham talks to David Nield, Managing Director and CEO of VGS, an expert at providing results focussed and highly cost effective RPO and MSP staffing solutions for Clients worldwide.
Episode 22: Haves and the have nots, Mark Florman: Time Partners Ltd
In Episode 22, Caroline Garnham talks to Mark Florman, Chairman and CEO of specialist merchant bank Time Partners Limited which combines best private equity advice, creating solutions with a client first philosophy. During the interview Caroline and Mark touched upon what Caroline sees will be an ever-increasing divide between the haves and the have nots. In 2004, Mark co-founded the Centre for Social Justice the think tank tasked to eliminate poverty and exploitation. This tension between the haves and the have nots is now set to become substantially worse.
Episode 21: HMRC Sophistication, Andrew McKenna: McKenna Tax Consultancy
In Episode 21, Caroline Garnham talks to former co-head of the team responsible in HMRC for offshore compliance and fraud – Andrew McKenna now CEO of McKenna Tax Consultancy. Caroline and Andrew discuss how sophisticated and intelligent HMRC is now in obtaining and processing information and data. Andrew tells Caroline that due to Covid-19 HMRC is under pressure to produce more revenue and will naturally start where the money is – the rich. As Andrew said during his podcast HMRC will ‘hit the wealthy hard’.
Episode 20: UK Tax Exile, Garry Bell: PKF bba
In Episode 20, Caroline Garnham talks to Garry Bell, Head of Tax of PKF bba. Caroline discusses with Garry the ins and outs of being a UK Tax Exile.
New Offshore Financial Powerhouse, Paul Schreibke: Oak Group
In Episode 19, Caroline Garnham talks to Paul Schreibke, Managing Director of Oak Group, Guernsey. Caroline discusses with Paul the excitements and challenges of what it entails being the Managing Director of a new consultation, the Oak Group.
Episode 18: Good Governance in Guernsey, Alison Parry: Intertrust
In Episode 18, Caroline Garnham talks to Alison Parry, Head of Private Wealth, Intertrust in Guernsey. Caroline puts to Alison ‘my hunch is that post Covid 19 we will see a renewed effort across the ‘globe’ to soak the rich which could directly face your clients and your business - what are your views?’ Hear what she says
Episode 13: Law and Life in Jersey, Craig Swart: Dickinson Gleeson
In Episode 13, Caroline Garnham talks to Craig Swart, a Partner at Dickinson Gleeson and an Advocate of the Royal Court of Jersey. Craig speaks of his transition from being a South African attorney to an English Solicitor and now a Jersey lawyer. He shares the diversity and benefits of being a lawyer in Jersey.
Episode 17: Campaigns and Human Psychology, Jon de Jager: CT Group
In Episode 17, Caroline Garnham talks to Jon de Jager, the Managing Director of global campaign consultants, CT Group. Jon is a leading expert in sourcing and executing complex financial solutions for private and corporate clients. Caroline and Jon discuss human psychology and the need to focus on what the client needs over what a client wants.
Episode 16: Criminal behaviour, Adrian Waterman: Matrix Law
In Episode 16, Caroline Garnham talks to Adrian Waterman QC, a criminal barrister at Matrix Law. Caroline and Adrian discuss criminal behaviours and despite the often misconception, that Barristers and or Professionals alike can make events go away, but the truth is they can only improve the perception that what happened was understandable and not as bad as it may appear.
Episode 15: Private client from a common law and civil law perspective, Filippo Noseda: Mishcon de Reya
In Episode 15, Caroline Garnham talks to Filippo Noseda, a Partner at Mishcon De Raya and a Visiting Professor at King's College. Caroline asked Filippo in what ways is he going to help families Post Brexit on International Tax and Cross Border Succession.
Episode 14: Remote networking, Ed Little: Ed Little
In Episode 14, Caroline Garnham talks to Ed Little, a brand strategist and consultant to GFOS. Ed Little speaks to Caroline about how to win business from the comfort of your own home, especially during this time with coronavirus forcing a global lockdown.
Episode 11: Finding a bolt hole in Jersey, Kevin Lemasney: Locate Jersey
In Episode 11, Caroline Garnham talks to Kevin Lemasney, Director High Value Residency of Locate Jersey. Kevin speaks of Jersey as a bolt-hole where kids can run free, pop to the beach after school, where no-one locks their doors, no-one fears burglars or intruders, the tax rate is low and there are minimum threats of transmittable diseases.
Episode 10: Brexit and Judicial Review, Ross Birkbeck: 15 Old Square Tax Chambers
In Episode 10, Caroline Garnham talks to Ross Birkbeck, tax barrister of 15 Old Square Tax Chambers. Caroline has been concerned that in recent years new tax legislation has overstepped the mark as to what is considered fair and reasonable. Caroline asked Ross in what ways our rights to challenge abuse of power by tax legislation would be reduced as a result of the UK leaving the EU.
Episode 9: Jersey a mature financial centre, Mark Clubb: TEAM Asset Management
In Episode 9, Caroline Garnham talks to Mark Clubb, a senior investment manager at TEAM an asset management business based in Jersey which strives to grow your assets consistently. Mr Clubb talks on Jersey being a mature financial centre; it can be said that with low tax rates and some regulatory benefits its professional services businesses such as TEAM are at a competitive advantage. It also has a relaxed and enjoyable way of life which is unlikely to be much affected by the UK leaving the EU.
Episode 8: How free will we be post Brexit? Christian Kalin: Henley & Partners
In Episode 8, Caroline Garnham talks to Dr Christian Kalin, the world’s foremost expert in investment migration and citizenship, a field he pioneered. Bloomberg has called him ‘The Passport King’ and he has advised individuals and governments alike on how to invest in citizenship and visa access.
Episode 7: Post Brexit, Martin Territt: Territt Associates
In Episode 7, Caroline Garnham talks to Martin Territt, former EU Ambassador to Ireland and now CEO of Territt Associates an independent consultancy specialising in EU legislation and policies, international public affairs and communication, on 'Post Brexit'. Mr Territt makes it clear that the UK's most significant and influential trading partner is the US.
Episode 6: Survival of the Family Business, Hakan Hillerstrom: Hakan Hillerstrom
In Episode 6, Caroline Garnham talking with Hakan Hillerstrom founder of Hakan Hillerstrom specialists in the survival of the Family Business. Hakan Hillerstrom gives you an insight into how family differences need not destroy family wealth, but just like defeating entropy to do so takes time, hard work and a dedication to succeed.
Episode 5: Ransom Insurance, Jane Gilbert: ESJG Limited
In Episode 5, Caroline Garnham talks to Jane Gilbert founder of ESJG Limited specialists in Ransom Insurance, an area she has specialised in for over 30 year. Jane Gilbert speaking with Caroline Garnham enlightens you as to the dangers involved and importance of getting the right people insured.
Episode 3: A Club for Global Entrepreneurs, Leah Zveglich: The Aster Club
In Episode 3, Caroline Garnham talks to Leah Zveglich founder of a club for wealthy entrepreneurs across the globe; the Aster Club. Through her skills and experience as an Executive Coach she encourages her members to enhance their social, human and financial capital and to use their considerable energy and experience to engage in making a difference in the world through impact investing.
Episode 2: Top 50 MFOs globally, Alex Scott: Sandaire
In Episode 2 Caroline Garnham talks to Alex Scott, founder of one of the world's top fifty multi family offices - Sandaire. Most families lose their fortune after the third generation but Alex and his family are a success story with the family wealth still in tact well into the fourth and fifth generations. Hear what Alex considers are the secrets of this success.
Episode 1: What it is like to be rich, Caroline Garnham: GFOS
With 30 years of working with ultra high net worth families, as a lawyer and a fellow of the Chartered institute of Tax, Caroline Garnham your Host, knows what keeps her clients awake at night. In the first episode of 'How to keep your money', she shares with you some of the concerns of what it is like to be really rich.