Welcome to 'How to Keep your Money'. You will hear first-hand discussions from a wide network of experts and respected specialists on how to protect and preserve the wealth of the world’s rich and famous. Interviews are led by Caroline Garnham, CEO of GFOS, a lawyer and tax specialist with decades of experience in guiding UHNW families to the solution which best suits them and their family. Subscribe to our Podcast and learn from expert Professionals on ‘How to Keep your Money’.
In Episode 58, I chat to Charlie Ellingworth, co-founder of Property Vision. Charlie discusses his journey from engineering and ship broking to founding the first buying agency dedicated to representing property buyers. He shares insights on the evolution of the buying agent industry, how Property Vision adapted its business model, and the state of the UK property market, emphasising the impact of stamp duty and shifting buyer behaviours. Additionally, Charlie touches on his role as a director and trustee of the Cadogan Estate, trends in the retail sector, and his adventurous hobbies. CONNECT WITH CHARLIE: Website CONNECT WITH CAROLINE: Our club newsletter gives you real-life stories and examples of how our club professionals can guide you on ‘How to Keep Your Money' Caroline's Club LinkedIn caroline@carolines.club
In Episode 57, I talk to Robert Surtees from Affinity Group Financial Services. We delve into Robert's career journey, starting with his education in Product Design from Central St. Martin's College to his transition into financial planning. Robert discusses the importance of a client-centric approach, building trust, and his methodology in financial advising. We also touch upon his professional qualifications, the value of plain English in client communication, and the personal interests that enrich his professional life. CONNECT WITH ROBERT: LinkedIn Website CONNECT WITH CAROLINE: Our club newsletter gives you real-life stories and examples of how our club professionals can guide you on ‘How to Keep Your Money' Caroline's Club LinkedIn caroline@carolines.club
CONNECT WITH JOE: LinkedIn Holland & Knight CONNECT WITH CAROLINE: Our club newsletter gives you real-life stories and examples of how our club professionals can guide you on ‘How to Keep Your Money' Caroline's Club LinkedIn caroline@carolines.club
Selina Sagayam is an English-qualified senior counsel and recent former partner at Gibson, Dunn & Crutcher's London office. She is a pioneer and leader in the firm's Environmental, Sustainability, and Governance (ESG) practice and a member of its international corporate group. Selina is a woman in a man's world. She has not just won awards as a woman but as a leader in her field. She is recognised by The Legal 500 UK 2024 for Private Equity: Transactions and M&A: Upper Mid-Market and Premium Deals over £750 million. Selina has also been listed by Brummell Magazine in 2020 as an Inspirational Woman City Leader, to name a few of her accolades. CONNECT WITH SELINA: LinkedIn The Renewables Infrastructure Group Gibson, Dunn & Crutcher CONNECT WITH CAROLINE: Our club newsletter gives you real-life stories and examples of how our club professionals can guide you on ‘How to Keep Your Money' Caroline's Club LinkedIn caroline@carolines.club
In Episode 54, Caroline talks to Anthony Travers OBE, who left the UK when the top tax rate was 98% to work and live in Cayman. Anthony is the former senior partner and managing partner of Maples and Calder and the current senior partner of the Cayman Islands and British Virgin Islands law firm Travers Thorp Alberga. Travers Smith Alberga was originally a boutique law firm, but it now has offices in Cayman, the British Virgin Islands, London, Hong Kong, Australia, and New Zealand. It focuses on high-end open-ended hedge funds and private equity, fund finance, and high-net-worth private clients. Its business model is designed to be relevant to client needs in a changed offshore legal and economic environment and a lesson to all private client practitioners. CONNECT WITH ANTHONY: LinkedIn Travers Thorp Alberga CONNECT WITH CAROLINE: Our club newsletter gives you real-life stories and examples of how our club professionals can guide you on ‘How to Keep Your Money' Caroline's Club LinkedIn caroline@carolines.club
Arabella Murphy is the Founder and CEO of Propitious (London) Ltd. Propitious is a consultancy that advises wealthy families and individuals worldwide on strategic matters of practical importance and mediation. It helps clients find clear and constructive solutions to their questions about succession, family business wealth, and disputes. Before setting up Propitious, Arabella was a leading private client lawyer and featured regularly in the top tier of private client lawyers in Chambers and the Legal 500. Now, she sits on the client's side of the table, listening to their concerns and directing them to professionals who will best suit their needs. CONNECT WITH ARABELLA: LinkedIn Propitious CONNECT WITH CAROLINE: Our club newsletter gives you real-life stories and examples of how our club professionals can guide you on ‘How to Keep Your Money' Caroline's Club LinkedIn caroline@carolines.club
In Episode 52, Caroline Garnham talks to Bob Morrison, Managing Director of SecTech, which he founded in 2006. Bob's business provides personal security for wealthy families. His vision is that rich families need to put as much thought into protecting the safety of their homes and families as they do into protecting their wealth. Bob talks of blending into the lives of his clients as gym buddies, sober companions, and dog walkers, women close protection officers as girlfriends and nannies for female clients and for celebrities' tough guys in full view. For Bob, it is the perfect career, and he looks forward to it every day. Bob's idea of an excellent day's work is when nothing happens! CONNECT WITH BOB: LinkedIn SecTech CONNECT WITH CAROLINE: Our club newsletter gives you real-life stories and examples of how our club professionals can guide you on ‘How to Keep Your Money' Caroline's Club LinkedIn caroline@carolines.club
In Episode 51, Caroline Garnham talks to Simon O'Donoghue Chief Executive Officer of Spring Investment Management, which Simon launched in 2022. It is the first digital platform in the offshore world. It is based in Jersey, where Simon lives with his family and claims to be the 'future of investment management'. Simon's digital platform means there is no need for a meeting between the client and investment manager to 'onboard' the client. The three-step process of accessing your risk tolerance, choosing your portfolio, and deciding how much to invest can be done online, which reduces the fees needed to set up and transfer. Simon's Spring is doing something right because it has not only won numerous awards in the first year of set up, but the judges were highly complimentary of the innovation and concept. Well done, Simon. CONNECT WITH SIMON: LinkedIn Spring IM CONNECT WITH CAROLINE: Our club newsletter gives you real-life stories and examples of how our club professionals can guide you on ‘How to Keep Your Money' Caroline's Club LinkedIn caroline@carolines.club
Michael Farrant is the founder of Farrant Group, which he set up in 2021. His company specialises in managing the reputations of private individuals, companies, and other organisations. He lives with his wife and three boys in Dubai, which he sees as set to grow, and he also has an office in London. His work is to make sure the perception of a client fits with the reality, which is so much more than just words. CONNECT WITH MICHAEL: LinkedIn Farrant Group CONNECT WITH CAROLINE: Our club newsletter gives you real-life stories and examples of how our club professionals can guide you on ‘How to Keep Your Money' Caroline's Club LinkedIn caroline@carolines.club
In Episode 49, Caroline Garnham talks to Jonathan Norbury, head of the Key Clients team, which manages the highest profile and wealthiest clients of Lloyds Bank. Jonathan speaks of his degree in languages, which was less useful than he had hoped in his career in banking, although his five years in the army did shape the way he treats his clients and builds their trust. He also speaks from experience about the power of reciprocation and from the Lloyds/Schroders joint venture in 2019, the power of aggregation. Follow Jonathan's journey by listening to his podcast. CONNECT WITH JONATHAN: LinkedIn CONNECT WITH CAROLINE: Our club newsletter gives you real-life stories and examples of how our club professionals can guide you on ‘How to Keep Your Money' Caroline's Club LinkedIn caroline@carolines.club
In Episode 48, Caroline talks to Robert Morse a partner at The Private Office. He is an independent wealth manager, investment advisor, financial planner, and investment and pension specialist. The Private Office operates as a Family Office for those families who do not want to set up their own Family Office or if they have want to use the expertise in appointing the professionals they may require from time to time. This approach has seen The Private Office win multiple awards, such as the Chartered Financial Planning Firm of the Year by their professional body the PFS. The Private Office also has a graduate training program and, through the success of this program, can offer a team of professionals with an average age of 38 rather than 58. CONNECT WITH ROBERT: The Private Office LinkedIn CONNECT WITH CAROLINE: Our club newsletter gives you real-life stories and examples of how our club professionals can guide you on ‘How to Keep Your Money' Caroline's Club LinkedIn caroline@carolines.club
In Episode 47, Caroline Garnham speaks to Heather Anne Hubbell, a serial entrepreneur and experienced strategy consultant. Heather Anne is the founder of FinTech platform Phundex, which is a central collaboration platform she set up in April 2020. It focuses on managing transactions and activities in real-time with the whole team, working with stakeholders both within and outside the organisation. It centralises and streamlines processes and cuts out inherent risk, ensuring data integrity, effective communication, dealing with administration and reporting to all interested parties. However, Heather Anne did not go directly into FinTech or strategy; she took a circuitous route via fashion and property development. In this podcast, she tells us her story. CONNECT WITH HEATHER ANNE: Phundex LinkedIn CONNECT WITH CAROLINE: Our club newsletter gives you real-life stories and examples of how our club professionals can guide you on ‘How to Keep Your Money' Caroline's Club LinkedIn caroline@carolines.club
In Episode 46, Caroline Garnham talks to Sir Edward Troup, a British tax lawyer and former civil servant at HM Treasury and then HM Revenue and Customs. He spent two periods as a tax partner at the City of London law firm Simmons & Simmons from 1985 to 1995 and 1997 to 2004. Caroline was a partner and head of the Simmons & Simmons private client department during this time. Edward was special adviser to Kenneth Clarke when he was Chancellor of the Exchequer, and from 1995 to 1997, he was head of the tax policy teams in 2004. He was knighted in the 2018 Honours list for his services to tax. CONNECT WITH EDWARD: LinkedIn X (Twitter) CONNECT WITH CAROLINE: Our club newsletter gives you real-life stories and examples of how our club professionals can guide you on ‘How to Keep Your Money' Caroline's Club LinkedIn caroline@carolines.club
In Episode 45, Caroline Garnham talks to Michael Drake, a consultant at the London law firm Collyer Bristow. Michael is referred to in Legal 500 as a 'first-rate lawyer, providing client care that is second to none. He has excellent judgement and effortless charm and can put his clients at ease amid highly contentious proceedings. A class act.' Michael talks to Caroline about the recent changes in divorce law, the craze for foreigners to come to London as the world's divorce capital, and why it is essential to seek good legal advice - getting a fair settlement is not just about numbers. If you want to let Michael know you enjoyed his podcast, contact him at michael.drake@collyerbristow.com. CONNECT WITH MICHAEL: Collyer Bristow LinkedIn CONNECT WITH CAROLINE: Our club newsletter gives you real-life stories and examples of how our club professionals can guide you on ‘How to Keep Your Money' Caroline's Club LinkedIn caroline@carolines.club
In Episode 44, Caroline Garnham talks to Rachel Atkins, a leading Reputation and Privacy lawyer and Partner at Schillings. Schillings is the only law firm with all the specialists to cater to every situation that affects privacy, reputation, and security. Rachel is the Head of the Legal Team at Schillings and is a highly skilled problem solver. Her clients say she is a 'ninja litigator that can see around corners' and 'She is fantastic at her job, and nothing fazes her.' She is featured in multiple industry rankings, including Spears' Best Reputation and Privacy Lawyers for High Net Worth Individuals in 2023 and the Citywealth Top 100 International Private Client Litigation Lawyers list. CONNECT WITH RACHEL: Schillings LinkedIn CONNECT WITH CAROLINE: Our club newsletter gives you real-life stories and examples of how our club professionals can guide you on ‘How to Keep Your Money' Caroline's Club LinkedIn caroline@carolines.club
In Episode 43, Caroline talks to Damien Jefferies, CEO of Fine & Country estate agents, which specialises in prime London properties. Damien has over 30 years experience as an estate agent and has written a book, 'I am an estate agent, you can trust me'! He won an award in the 2019 Property Awards as best newcomer, and he takes a different view to selling homes than most high street estate agents. CONNECT WITH DAMIEN: Fine & Country LinkedIn CONNECT WITH CAROLINE: Our club newsletter gives you real-life stories and examples of how our club professionals can guide you on ‘How to Keep Your Money' Caroline's Club LinkedIn caroline@carolines.club
In Episode 42, Caroline Garnham talks to Paul Hewitt, Director General of the Society of London Art Dealers (SLAD). It has 185 members, all of whom have been vetted by the Executive Committee as having the requisite expertise and are prepared to sign SLAD's Code of Ethics. They account for 51% of the UK's $11.9 billion sales, the second highest market in the world, mostly from foreign buyers. CONNECT WITH PAUL: SLAD LinkedIn CONNECT WITH CAROLINE: Our club newsletter gives you real-life stories and examples of how our club professionals can guide you on ‘How to Keep Your Money' Caroline's Club LinkedIn caroline@carolines.club
In Episode 41, Caroline Garnham talks to Francesco Lombardo, Founder of Veritage, whose mission is to serve business families by promoting the culture of Safe Space™, and supporting clients in their development of a living Family Wealth Constitution (FWC). Together they discuss family member's relationship with money.
In Episode 40, Caroline Garnham speaks with Rupert Bonsor, an experienced and motivated Sales Manager with Guinness Asset Management. He has twelve years experience in the retail fund management market. Specialising in Sales to the Family Office market
In Episode 39, Caroline Garnham speaks with Charles Garland, a founding Partner and Director at Claremont Corporate Services. 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.
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.
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!
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.
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.
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.
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.
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.
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.
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".
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.
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.
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.
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.
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.
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.
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.
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.
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'.
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.
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.
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
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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