Gladstone Morgan Company Limited

Bangkok   Bangkok Representative Office: 4th Floor 111 Soi 36, Klongton Klong Toey, Bangkok1 10110, Thailand Tel: 662 286 9974 Fax: 662 678 9217 bkk@gladstonemorgan.com Dubai Dubai Representative Office Office No. 301,305,304 Al Nazar Plaza Building 3rd Floor Near Al Nazar Club Oud Metha Dubai UAE Tel: 971(4)3573835 Fax: 971(4) 3573892 dubai@gladstonemorgan.com Hong Kong Hong Kong Head Office Office B, 8th Floor Wing Yee Commercial Building 5 Wing Kut Street Central Hong Kong Tel: 852 2868 5958 Fax: 852 2868 4948 info@gladstonemorgan.com Shanghai Shanghai Representative Office Suite 610C, 6th Floor, Kerry Center, 1515 Nanjing West Rd, 200040 Shanghai, China Tel: 8621 52985615 Fax: 8621 52985621 shanghai@gladstonemorgan.com

QROPS (Qualifying Recognised Overseas Pension Scheme) The Finance act of 2004 made it possible with effect from April 2006, for UK pensions to be transferred to any overseas pension scheme. The scheme has to be registered with HMRC as a QROPS. Qrops are overseas pension schemes which satisfy rules and regulations laid down by the UK Legislation. Prior to 2006 it was generally only possible for a person to transfer his or her UK pension to an overseas pension Scheme located in the person’s new country of residence. This restriction was removed as a consequence of the change in UK pension’s legislation in 2006. This not only enables an individual to freely transfer a UK pension overseas, it also gives choice over where to transfer a UK Pension When considering whether it is appropriate for a client to transfer their UK pension arrangement to a QROPS, it is essential that the current UK options and restrictions are understood. Red more from here .

Making a Will is important. More than 60% of UK population don’t have a Will, this figure is similar for Canada and Europe. This means 4 out of 10 people have a Will, but 10 out of 10 people will pass away. It’s easy to put off making a will. But if you die without one, your assets may be distributed according to the law rather than your wishes. This could mean that your partner receives less, or that the money goes to family members who may not need ithis means 4 out of 10 people have a Will, but 10 out of 10 people will pass away. It’s easy to put off making a will. But if you die without one, your assets may be distributed according to the law rather than your wishes. This could mean that your partner receives less, or that the money goes to family members who may not need it Visit our official website for details.

Gladstone Morgan has found that private clients, particularly those with substantial capital sums to invest, are demanding greater investment choice and diversity than ever before. Ever wary that the effect of inflation is having a major effect on the long term value of that capital, such investors are seeking asset backed investments away from traditional products offered by Banks. For the investor with a more moderate capital sum, the offshore insurers offer a simplified offshore bond, known as a ‘baby bond’, a product offering investment in a select range of underlying unit trust/mutual funds. For the more sophisticated investor the offshore insurers offer the personalized portfolio bond recognized for the breadth of investment choice. Indeed, when considering the general options available for investors (including unit trusts, OEICs, investment trusts and stocks and shares) the offshore bond route offers an excellent way to tailor an investment strategy precisely to the need

How will your family cope after your death or a serious illness? There is a very good, practical reason for thinking about what can happen after your death. How will your family manage? Will they be able to keep up their current standard of living? Will they be able to cope with all the routine daily expenses? Death and serious illness may be something that most of us prefer not to think about, but everyone needs financial protection. So if the unthinkable happens, those who depend on you are provided for. For further details,click here .

Regular Savings Saving for the future is essential for everybody Probably the most effective way of building up capital is by saving money on a regular basis. Saving for the future is essential for everybody and whether it is saving for a deposit on a house or investing in your children’s future, there are plans bespoke to each individual. There are many key factors when creating a Regular Savings Plan that are specific to the individual’s requirements. Gladstone Morgan Company looks towards products that offer flexibility in a world where we never know what tomorrow may bring. There are many schemes available, administered from recognized offshore financial centres with a well-developed regulatory system and favorable tax environment. Our consultants will advise on the design and structure of these schemes and will illustrate those that are most suitable for each client’s personal financial requirement. One advantage of using a Regular Savings vehicle is that ...... c

Gladstone Morgan provides a bespoke service to all of its clients, individual and corporate. Relationship brokering, knowing about each client's particular circumstances and aspirations, ensures that each piece of advice given matches the specific needs and objectives of each individual. Our aim is to ensure that all of our clients enjoy security and prosperity. The service we offer has a truly international perspective and our brief is to source the best global solutions for our clients. Gladstone Morgan is free to choose global solutions for our clients incorporating the very best in investment expertise with no emphasis on any one Company or Group. This gives us complete freedom in our search for the most appropriate solution for you. Independent financial advice is the essence of our philosophy. Gladstone Morgan is committed to providing you with the continuity of service that is so important for the efficient management of your financial affairs. Our interest in our client