We advise on many aspects of wealth management, helping individuals of widely differing resources or life stages. This includes access to the exclusive range of St. James's Place products which offer many important benefits. Perhaps the most remarkable is the distinctive and highly successful approach to investment management.
We are also able to assist businesses in the increasingly complex area of corporate financial planning, from pensions through to insuring against the loss of a key Director.
Personal & Corporate Tax Planning
Trust and Estate Planning*
Private Medical Insurance
Inheritance Tax Planning
Pensions in Divorce service
Business Exit Strategy**
Trustee Investment Planning
Whatever your circumstances, we can create a financial strategy personalised to the specific needs relevant to you as an individual, your family or your business.
*Trusts are not regulated by the Financial Conduct Authority.
**This may involve a service that is separate and distinct from those offered by St. James's Place.
Challenges Women Face Today
· No Work-Life Balance
· Loss of Financial Independence
· Lack of Career Fulfillment
· Low Fertility Rate
Women today are smart, educated and talented, and want to have a fulfilling career. But family is equally, if not more, important. Achieving work-life balance is a struggle for many. Single mothers are a particular subset of women who face significant challenges as the primary caregiver and breadwinner for their families.
Today’s career women are continually challenged by the demands of full-time work. The majorities are working 40- 45 hour weeks, and almost every working mother wishes they had more time to spend with their children. On the other hand, mothers who make a decision to leave the workforce face the challenges of a drop in household income alongside rising costs of living, and sometimes a sense of loss of self-fulfillment or identity in giving up their careers.
Those who want to want to return to work when their children are older face difficulties in doing so. Meanwhile, the economy loses the contribution of many capable, highly-educated women. Due to these considerations, mothers-to-be often choose to delay starting a family. Singapore’s low Total Fertility Rate (TFR) is recognized as a top concern for Singapore’s future. Despite several incentive programs, married couples seem reluctant to procreate or to have more than two children.
· CRIB values the ability of women to make the best choices for themselves and their families.
· For some women, becoming an entrepreneur may be the answer to achieving the perfect balance between family and career.
· Being a business owner offers women an opportunity to achieve work-life balance.
· This doesn’t mean working less hard or being less productive, it’s about having the flexibility to make family a priority.
How We Do It
Our business community of like-minded, experienced women entrepreneurs creates the opportunity to exchange ideas and find inspiration and support from other successful women.
Our matchmaking programme allows entrepreneurs to find complementary partners to launch a business.
Our business incubator programme will provide CRIB entrepreneurs with invaluable mentorship from industry leaders, access to funding and a trusted network of resources to create successful, viable businesses.
Women entrepreneurs in supportive business partnerships are able to have a career while still having control over time and choices.
Positive Social Impacts
New Exciting Business
Exciting and viable new businesses come into existence, including innovative social enterprises.
Return of Latent Workforce to Economy
Together with the return of the latent workforce to the economy, including mid-career professionals, women are able to make a significant contribution to society.
Higher Fertility Rate
Eventually these women entrepreneurs create jobs that provide work-life balance to their employees, contributing to a societal mindset shift that will spread to the corporate world as well. All this, we hope, will lead to more babies!
What makes your upbringing different from others? Are you like Sally Caverly who grew up surrounded with art and loving it?
Sally Caverly is an art lover, researcher and a conservationist born in 1962 at Massachusettes and New Hampshire. She is the heart and soul of Hawkfield Gallery, the owner and curator dedicated in making the gallery one of the most attractive places to visit in a shore town halfway between Boston and Cape Cod.
Art has become an integrated part of Sally’s life. Her parents are both artists and it seems that they trained her so early on how to run a business by assigning Sally occasionally to serve as an auctioneer for their collection of American impressionist artworks.
During her twenties, she started acquiring artworks for her collection. The first artwork she fortunately obtained is a pastel drawing of wild ducks from the famous American pastel artist Willian Henry Chandler. And it seems that her attachment from her home environment which is the East Coast is apparent on her collections as it consists of artworks with birds, geese, ducks and wild animals.
Her passion for art combined with a broad experience in the art world has helped her in maintaining the reputation of Hawkfield Gallery in giving a quality service and assistance to art buyers and collectors.
Ms. Sally Caverly is currently working as a Director at the North and South Rivers Watershed Association. Her previous works include running online retail store and head of Houghton Mifflin Company’s Research Department. Aside from managing Hawkfield Gallery, Sally loves tutoring students with special needs too. She obtained a degree in Bachelor of Arts in Marketing from Simmons College, a diploma from Phillips Academy in Andover and a Master’s degree in Education.
Bournemouth is such a lovely town and Southbourne, its suburb, is beautiful as well. And within Southbourne lies a Chinese takeaway that most people loved, it is the Harmony Chinese Takeaway. The foods were freshly prepared and were piping hot even when you got home. Experience their well-known generosity with their delicious cuisine with large sized portions.
There will come a time where you will find Harmony Chinese Takeaway in a busy state and you will have to wait a few more minutes for your order, but it's certain that all will be worth once finished. Every staff was polite and friendly and you won't encounter any major problems with them.
For many years, several people have been eating on this takeaway and Harmony hasn’t faced any major complaints yet with regards to its food and service. The food was cooked within the right amount of time and was remarkably tasty. Travelers were amazed and view Harmony as the best-kept secret in the town of Bournemouth.
Every visit is worth your money and you'll never be disappointed. People are attracted to Harmony Chinese Takeaway's traditional Chinese takeaway and affordable yet delicious foods. Its effort in providing lovely Chinese cuisine is admired by locals as well as tourists.
Customers can't help but to come back again after trying out the food of Harmony. Reviewers claim that every meal was such a lovely experience. The staff was always working hard to provide the best to their customers and it's evident in their welcoming service and top quality food.
It was also considered as an excellent Chinese takeaway shop and the people appreciate its simple surrounding. They also make sure to provide a prompt service even if they were swamped with lots of orders.
Every family could enjoy the food of this beautiful takeaway. Harmony is head and shoulders above the rest of takeaways in their town, from its staff to its food, everything is at its finest.
Reprinted with permission from the Fall 2015, Volume 30, Number 4 issue of The Bottomline, the journal of Hospitality Financial and Technology Professionals. Learn more at www.hftp.org.
You may know the difference between right and wrong behavior and never would consider committing fraud. But how do you maintain the highest level of professional conduct as it relates to fraudulent behaviors in others or when fraud is suspected?
A great place to start is the HFTP ethics policy, which guides members on topics such as confidentiality, objectivity, and professional competence. It’s important for professionals in the hospitality industry to set the right tone related to the tolerance of fraudulent behavior, know when to act when fraud is suspected, understand your role in an investigation, and respond appropriately to known frauds.
SETTING THE TONE AT THE TOP
An effective way to begin protecting your organization is by setting the right tone at the top with an ethics policy tailored to your operations. The HFTP ethics policy addresses professional competence to include performing the duties of your position and supervising the work of subordinates with the highest degree of professionalism. Each property can improve its level of professionalism by creating an ethics policy specific to its organization. This helps send a message to employees that management considers strong ethics a high priority. When reviewing your current ethics policy, ensure the policy is:
•Tailored to your industry
•Written in clear, plain language
•Accessible to employees at all levels
•Filled with examples of real-life acceptable and unacceptable behavior
•A directive to appropriately respond to incidents using confidentiality and objectivity
•An outline for consistent enforcement and discipline for violations
The key to successful fraud prevention is making everyone in the company accountable for detecting and reporting illegal or suspicious behavior—and that’s only possible when the ethics policy is clearly communicated and employees understand what the organization considers to be acceptable and unacceptable behavior.
Including an antifraud element within your ethics policy will deter most employees who are inherently honest from committing fraud. We suggest including a definition of fraud such as “the intentional distortion of financial statements or other records by persons internal or external to the company which is carried out to conceal the misappropriation of assets or otherwise for personal gain.”
However, setting a policy, defining fraud, or providing examples of unacceptable behavior isn’t going to suffice unless internal controls are in place to back it up. Communication with your team on ethics is important. Don’t be afraid to talk about the risk of fraud or to conduct a fraud risk assessment with your team. Actively including team members in the conversation reinforces the tone at the top that fraudulent behavior is unacceptable and controls are in place to protect the organization from fraud risks.
From our experience, suspects in fraud investigations rarely have a history of unethical behavior that would show up in a background check. This is further supported by the Association of Certified Fraud Examiners' Report to the Nations on Occupational Fraud and Abuse. Based on its 2014 study, only 18 percent of fraudsters were punished or terminated by an employer for a fraud-related offense. This doesn’t mean that a background check is obsolete because it rarely detects a red flag. A background check is a time-tested, simple control that’s easy to implement. However, we see time and again that simple controls are only partially used, unmonitored, or simply nonexistent, which allows the opportunity for fraud to flourish undetected. Other examples of good controls include safe cash counts, bank reconciliations, supporting schedules for general ledger balance sheet accounts, or verification that expected cash deposits make it to the bank.
READ: KNOWING WHEN TO ACT
We at Pro Axia Consultants Business Consulting Group in Osaka, Tokyo, Nagoya, Japan considers this partnership as a worthwhile move for both firms. Both are gigantic and can produce a lot of innovative developments and improve business value as well. We are already expecting a lot of good things to happen because the reliable user experiences of Apple along with the great end-to-end business process and software of SAP could be a smart move towards a more innovative future.
We can see that this partnership could lead companies and developers to build great change in the digital world. Different opportunities await us and there will be a transformation in the mobile work experience of customers. Excellent business applications will also be created as well as opening potential for their joint customers.
We found out that SAP is creating a lot of new and native iOS industry apps for core business processes. This is to enable customers to completely leverage the data in their SAP enterprise systems and to revolutionize how they run their business anywhere. We know that the kind of capability that powers a digital enterprise is being able to obtain mission-critical information, reports, and data without being tied to your desktop.
We learned that SAP is beginning with industries that have a high demand for consumer applications. The said firm is also offering their community of developers with advanced tools and training to build, extend and run a new class of native iOS applications using the HANA Cloud Platform (HCP). Developers will then get access to the power of HANA in the cloud.
It's a good thing that you don't need to be a developer to alter an existing SAP application because HCP allows you to do it. Through SAP HCP SDK for iOS, together with training for developers to native iOS apps, we believe that companies and developers can easily create their own native apps for iPhone and iPad.
We also found out that this partnership can provide developers with a SAP Fiori for iOS design language based on SAP Fiori UX adapted for iOS, including reusable design components and building blocks to enhance the development of reliable and excellent UI design.
Connecting millions of developers, customers, SI partners and ISV partners needs SAP and Apple to build together a SAP Academy for iOS to complement the SDK, and to curate and educate their combined ecosystem. Both firms can gain benefits from sharing the knowledge of technical expertise and design skills for native iOS app development.
SAP/Apple collaboration will also make it easier to consume and leverage your organization's most crucial data on their iPhone and iPad devices. We learned that through HANA, SAP's enterprise computing platform can allow customers to constantly access their data each day and acquire significant information.
The world we live in requires newer and faster methods to perform a task, access data and do our jobs, and this is what this partnership is aiming for. Being able to access accurate and real-time data is revolutionary. Mobile apps on iOS will make digital transformation even more prevalent across different enterprises. We at Pro Axia Consultants are confident that this partnership will lead to several helpful innovations.
LONDON, July 25, 2016 /PRNewswire/ — BGC Partners, Inc. (NASDAQ: BGCP) (“BGC Partners,” “BGC” or “the Company”), a leading global brokerage company servicing the financial and real estate markets, today announced that Dean Berry will be joining BGC Partners1 as an Executive Managing Director in its Global Electronic and Hybrid Execution team. In that capacity, Dean will join Phil Norton in leading all e-Commerce brands across BGC Partners and will report to Shaun D. Lynn, President, and BGC Partners.
Dean most recently served as the Chief Executive Officer for Global e-Commerce at ICAP. He brings to BGC Partners an impressive track record of leadership, market expertise and innovation, which will complement our top-tier e-Commerce offering, and most notably our hybrid brokerage model. Dean will work alongside our Global Head of e-Commerce Phil Norton, who will dedicate his expertise to all pre- and post-trade, market data, analytics and fully electronic markets across the Firm.
“Dean’s appointment demonstrates our ability to attract the most innovative and sought-after talent in the e-Commerce space. We look forward to Dean continuing to advance our growing technology offering, of which FENICS is a shining example,” said Shaun D. Lynn.
About BGC Partners, Inc.:
BGC Partners is a leading global brokerage company servicing the financial and real estate markets. BGC owns GFI Group Inc., a leading intermediary and provider of trading technologies and support services to the global OTC and listed markets. The Company’s Financial Services offerings include fixed income securities, interest rate swaps, foreign exchange, equities, equity derivatives, credit derivatives, commodities, futures, and structured products. BGC provides a wide range of services, including trade execution, broker-dealer services, clearing, trade compression, post trade, information, and other services to a broad range of financial and non-financial institutions. Through brands including FENICS, BGC Trader, and BGC Market Data, BGC offers financial technology solutions, market data, and analytics related to numerous financial instruments and markets. Real Estate Services are offered through brands including Newmark Grubb Knight Frank, Newmark Cornish & Carey, ARA, Computerized Facility Integration, Landauer Valuation & Advisory, and Excess Space. Under these names, the Company provides a wide range of commercial real estate services, including leasing and corporate advisory, investment sales and financial services, consulting, project and development management, and property and facilities management.
BGC’s customers include many of the world’s largest banks, broker-dealers, investment banks, trading firms, hedge funds, governments, corporations, property owners, real estate developers, and investment firms. BGC’s common stock trades on the NASDAQ Global Select Market under the ticker symbol (NASDAQ: BGCP). BGC also has an outstanding bond issuance of Senior Notes due June 15, 2042, which trade on the New York Stock Exchange under the symbol (NYSE: BGCA). BGC Partners is led by Chairman and Chief Executive Officer Howard W. Lutnick. For more information, please visit http://www.bgcpartners.com.
BGC, BGC Trader, GFI, FENICS, FENICS.COM, Capitalab, Swaptioniser, Newmark, Grubb & Ellis, and Grubb are trademarks, registered trademarks and/or service marks of BGC Partners, Inc. and/or its affiliates. Knight Frank is a service mark of Knight Frank (Nominees) Limited
Discussion of Forward-Looking Statements about BGC Partners
Statements in this document regarding BGC’s businesses that are not historical facts are “forward-looking statements” that involve risks and uncertainties. Except as required by law, BGC undertakes no obligation to release any revisions to any forward-looking statements. For a discussion of additional risks and uncertainties, which could cause actual results to differ from those contained in the forward-looking statements, see BGC’s Securities and Exchange Commission filings, including, but not limited to, the risk factors set forth in its public filings, including the most recent Form 10-K and any updates to such risk factors contained in subsequent Forms 10-Q or Forms 8-K.