Blevins Franks Financial Tips - Protecting your Financial Security Through Retirement

Retirement can last 30 years or more. To help us enjoy these well-earned years and have peace of mind, we all need to plan ahead, build up our savings and then protect them for our long-term future.  While the earlier we start doing this in our careers the better, it gets more important the closer we get to retirement.  And we need to continue taking steps to protect our retirement savings even after we’ve started drawing our pensions, regularly reviewing our arrangements to ensure we continue meeting our retirement goals. 

Before retirement
As retirement begins to get closer, it’s time to start planning how you want to spend your golden years and ensure you are on the right track financially. There may be steps you can take today to help make your retirement goal a reality.

 Questions to ask yourself include:

·      Will I be able to afford to retire when I want to?

·      What is the best strategy for withdrawing from my business or employment?

·      What options do I have for my pensions? Are they likely to change?

·      Will I be able to retain my existing wealth and assets?

·      Do I want to spend some or all of my retirement abroad?

Let’s say that you plan to retire within the next few years and move permanently to France. You may have concerns about whether you can afford your preferred lifestyle without having to sell existing assets. Perhaps you have a business to sell and are unsure how best to convert your years of hard work into a retirement nest egg. Then there are the complex residence and tax implications of living in a different country.

 Professional financial advice can prove invaluable here, especially with an adviser who understands France and can provide cross-border advice covering both countries. A good adviser will take a holistic view of what you have – your savings, investments, assets, pensions – together with what you want – your income requirements, estate planning wishes – and an objective assessment of who you are – your circumstances, timeline, goals, risk appetite – to design a personalised retirement plan for you. 

After retirement 

Being retired doesn’t mean you can forget about retirement planning. 

Regular reviews allow you to adapt your strategy to suit your changing circumstances and goals, such as incorporating new family members, addressing health issues or relocating. It enables you to keep up with the ever-changing tax and pensions landscape, including new opportunities that could work in your favour.  

 You also need to keep protecting your savings and retirement income from inflation. As the cost of living rising, the value of your money falls, so that in the long-term you could have considerably less spending power than you have today. 

 Your pension options

 Pensions are usually the foundation of retirement, so deciding what to do here may be one of life’s most important financial decisions. Pensions are complex, and with so much choice available, you must take great care.

 You might benefit from consolidating several UK pensions into one to provide a coherent, more cost-effective investment platform for your retirement income, but first establish what would be the most tax-efficient approach for a France resident. Receiving pension income in sterling also exposes you to conversion costs and exchange rate risk.

 Many British expatriates have chosen to transfer their UK pensions to a Qualifying Overseas Pension Scheme (QROPS) which have provided flexibility to take income in euros, more freedom to pass benefits to chosen heirs, and protection from further UK lifetime allowance charges.  But pension rules frequently change so you need to keep up-to-date, and in any case always take regulated, specialist advice before making pension decisions to protect your benefits and establish the best option for you.

 Keep an eye on the UK’s lifetime allowance (LTA). The UK caps how much you can hold in combined pension benefits (excluding State Pension) without paying extra tax. Once your funds exceed the limit, you pay a tax charge whenever you access your money – 55% for lump sums or 25% for income or transfers to an overseas pension.  This also applies to non-UK residents.

Retiring in France

If you plan to retire in France, review your retirement strategy early. You need to consider your residence status and cross-border tax implications and adapt your estate planning to suit France’s different succession rules. 

Careful planning is the key to minimising taxation and maximising the available opportunities so you can enjoy your dream retirement for as long as you need. For the best results, take specialist, cross-border advice.

All advice received from any Blevins Franks firm is personalised and provided in writing. This article however, should not be construed as providing any personalised taxation and/or investment advice.

Blevins Franks Group is represented in France by the following companies:  Blevins Franks Wealth Management Limited (BFWML) and Blevins Franks France SASU (BFF). BFWML is authorised and regulated by the Malta Financial Services Authority, registered number C 92917. Authorised to conduct investment services under the Investment Services Act and authorised to carry out insurance intermediary activities under the Insurance Distribution Act. Where advice is provided outside of Malta via the Insurance Distribution Directive or the Markets in Financial Instruments Directive II, the applicable regulatory system differs in some respects from that of Malta. BFWML also provides taxation advice; its tax advisers are fully qualified tax specialists.  Blevins Franks France SASU (BFF), is registered with ORIAS, registered number 07 027 475, and authorised as ‘Conseil en Investissements Financiers’ and ‘Courtiers d’Assurance’ Category B (register can be consulted on www.orias.fr). Member of ANACOFI-CIF. BFF’s registered office: 1 rue Pablo Neruda, 33140 Villenave d’Ornon – RCS BX 498 800 465 APE 6622Z.  Garantie Financière et Assurance de Responsabilité Civile Professionnelle conformes aux articles L 541-3 du Code Monétaire et Financier and L512-6 and 512-7 du Code des Assurances (assureur MMA). Blevins Franks Trustees Limited is authorised and regulated by the Malta Financial Services Authority for the administration of retirement schemes. This promotion has been approved and issued by BFWML. 

 You can find other financial advisory articles by visiting our website here

Billionaire Life News - Pasticceria Cova Opens Its Second Venue in the Principality of Monaco

Cova Monte Carlo opens the doors of its second venue, located at Palais de la Plage, the newest chic address in the Principality of Monaco. 37, Avenue Princesse Grace is the new prestigious address Cova Monte Carlo has chosen for its second venue in Monaco, following the success of the first Cova in Boulevard des Moulins.

Part of the Larvotto development in the seafront area, the brand-new Palais de la Plage building is now enhanced by the new Cova Monte Carlo, which features also a sun-kissed terrace of approximately 40 square meters. The new cafè, which will delight locals and tourists alike, combines the iconic features of the historic Pasticceria Cova in Milan with a contemporary design reflected in innovative elements and materials.

‘We are delighted about this second opening in Monaco’ says Flavio Briatore - ‘Since 2016, when we opened the first venue on boulevard des Moulins, Cova Monte Carlo has become a favourite address and a reference point in the Principality. Today, as we announce the launch of an additional venue at Palais de la Plage, we are proud to be representing Italian excellence and hospitality in two key locations in Monaco. I would like to thank the Faccioli Family for their continued support, which has led to a strong partnership and a shared success.’

Cova’s interiors at Palais de la Plage remain the undisputed protagonists: a new pure white lacquered ‘boiserie’, the trademark Cova chandelier as well as the blue velvet leave space for the classic espresso ‘stand-up’ counter and a ‘window comptoir’ for the freshly homemade variety of pastries and delicacies Cova is world-known for. With over 200 years of heritage, Cova is a worldwide recognized institution where tradition meets Italian elegance and style.

‘Following the opening of Cova in Paris in 2021 we are enthusiastic to open our third location in Europe, besides our flagship store in Milan’ comments Paola Faccioli, CEO of Cova - ‘Our long-term partnership with Flavio Briatore started in Monte Carlo back in 2016 will be reinforced by this incredible location which I am sure will continue to offer to the local and cosmopolitan clientele our excellent products combined with an impeccable savoir-faire and service. Cova at La Plage is a time capsule of the most refined Italian tradition right in the heart of the French Riviera’.

Cova Monte Carlo at Palais de la Plage is open from breakfast in the morning to the iconic Aperitivo offering lunch and afternoon tea throughout the day on its sunny terrace.

In main image, from left to right: Eduardo Gadda, Executive Chef Pasticceria Cova Montenapoleone 1817, Paola Faccioli, CEO Pasticceria Cova Montenapoleone 1817, Flavio Briatore, Ferdinando Esposito, Executive Chef Pasticceria Cova Monte-Carlo.

Contact

AllDutch Yachting Partners with Club Vivanova for a Series of French and Italian Riviera Luxury Gourmet Experiences this Summer

New Platinum Partner AllDutch Yachting joins Club Vivanova and arranges a series of luxury day-trips to San Remo, Latte and St Tropez this summer offering the ultimate in Riviera boating with a selection of gourmet lunches and Mediterranean experiences.

Guests will be picked up from the Yacht Club de Monaco (10am) in a VanDutch 40 and will cruise to the lunch locations, with the chance to enjoy the Mediterranean and a selection of alcoholic and non-alcoholic beverages. Gourmet wine lunches (at various locations depending upon the date) will be followed by DJ After Parties and then a sunset cruise back to Monaco (arrival 7pm). Tickets are available for single attendees, couples and groups, each boat accommodates 12 people. Each experience is limited to 24 tickets.

2022 AllDutch Experiences
Saturday 30th April - Victory Morgana Bay, San Remo
Saturday 11th June - La Ferme d’Augustin, St Tropez
Saturday 2nd July - La Spiaggetta dei Balzi Rossi, Latte
Saturday 6th August - Victory Morgana Bay, San Remo
Saturday 3rd September - La Spiaggetta dei Balzi Rossi, Latte
Saturday 8th October - La Ferme d’Augustin, St Tropez

Email link for more information
AllDutch Yachting Platinum Partner Feature

Club Vivanova presents the World's Leading Rum Producer - Foursquare Rum Distillery in Barbados - at an Exclusive Degustation Event in Monaco

On Wednesday 16th March 2022, Club Vivanova presents the Foursquare Rum Distillery, the 2016, 2018 & 2019 International Wine & Spirits Competition Rum Producer of the Year and 2021 Overall Outstanding Spirits Producer in an exceptional dinner with three Doorly's 14 Rum cocktails finishing with a digestif degustation of the 2009 Exceptional Cask Series.

View the event details

Foursquare Rum Distillery is located on a former sugar plantation that dates back to approximately 1720, within the tiny Caribbean island of Barbados. The distillery was re-opened by the Seale family in 1996, distilling operations and blending are currently directed by Richard Seale, 4th Generation Trader/Distiller of R.L. Seale & Co.

Exceptional Cask Selections represent the unique, and rare offerings of Foursquare Rum Distillery that Richard has hand selected – his personal projects only released when he feels they are of exceptional quality. These are one of a kind expressions, available only for a limited time, and showcasing truly unique approaches to both Rum blending and maturation.

FOURSQUARE’S EXCEPTIONAL CASK SELECTIONS HAVE ALSO RECEIVED CONSISTENT HIGH MARKS & ACKNOWLEDGMENTS:

2016, 2017, 2018, 2019 & 2020 ISC Rum Producer of the Year
2016, 2018 & 2019 IWSC Rum Producer of the Year
2018 ISC “Supreme Champion Spirit” – Foursquare Mark VI “2005”
2021 ISC “Supreme Champion Spirit” – Foursquare Mark XV “Redoutable”

“To drink Foursquare Rum, one must only possess a dream of tasting some of the finest things that money can buy…” – Warren Bobrow, Forbes.com

View the event details

Experience An Exclusive Luxury Weekend in Champagne with Zachys

From 31st March - 3rd April 2022, come and experience a private tour of some of the most exclusive Champagne houses, private dinners in gastronomic restaurants of the region and a great time sharing the best Champagne has to offer. An unforgettable experience!

The weekend will begin from Thursday, March 31st late afternoon with a tour of Dom Perignon, visit of l’Abbaye d’Hautvillers and a private dinner at Château de Saran.

On the Friday, we will start with a private visit, tasting and lunch at Bollinger in the charming village of Aÿ. Afternoon will be dedicated to Philipponnat with a private tour and tasting. Friday night will be a night to remember with a Paulée-style dinner at the three-star Michelin restaurant l’Assiette Champenoise with growers and Maisons de Champagne.

On the Saturday, we will head to Avize to spend some time at the one and only Selosse where we will have a visit with either Anselme or Guillaume, a private tasting and a lunch on the format “BYOB, Bring Your Own Bottle”, so we can all share a wine you specifically like. Day will continue with a late afternoon and private dinner at Taittinger at Château de la Marquetterie in Pierry. Clovis Taittinger will join us.

This weekend will conclude with a beautiful lunch at l’Instant Terroir in Aÿ. Their panoramic restaurant offers a stunning view on the surroundings vineyards.

Important notes:

· Accommodations in prestigious suites and breakfast are included and booked at L’Assiette Champenoise for the nights of March 31st, April 1st and April 2nd.

· Transportation in a private 12-seat minivan is also included from the time of arrival in Champagne until the time of departure from Champagne.

· You must plan to arrive in Champagne on Thursday, March 31st, at 3PM the latest. Visit at Dom Perignon will start early.

· Price for the weekend is 3400 euros per person (excluding flight and transportation to/from airport). Please note that tickets are non-refundable but transferable meaning if you cannot attend, someone else can come to this weekend instead of you.

More information

The Dynamic House Boat Market Now Enters the Next Level with the German Company Stern Hausboot Massively Scaling Up House Boat Production in Denmark

Club Vivanova Corporate Partner Contrarian GmbH, advisor of Stern Hausboot, shares interesting news about the house boat market after achieving a first big milestone, the fundraising for the world’s first large scale house boat factory.

As there is a natural limitation of space for living along the coastlines, house boats are becoming more and more popular. Being overloaded with orders, Stern Hausboot decided to become the No1 house boat builder. Their knowledge about German and Danish marina opportunities like old military, industry and fishing marinas made the decision easy. One of the owners was previously long term CEO of Europes largest holiday house rental company NOVASOL and brings all the market-knowledge for the growth.

Contrarian was deeply involved in various fields, such as strategic business plan, successful pitch for Danish government funds and the factory planning. This way, Stern Hausboot managed to get hold of an existing large factory site in Orehoved Havn, Denmark, that is suitable for house boats and allows the massive scale up immediately.

First focussing on Germany and Denmark, Stern Hausboot are already observing Europe and contacting companies that are involved in touristic developments like holiday camps and marina restoration. For the first time, a sufficient house boat supply will be available, as other house boat builders are small scale companies, very often building one or two large and design driven one-off boats, or may be five mid-range boats per year. Stern Hausboot targets 90 per year. A further production in South Europe is in the scope as well.

Images courtesy of Stern Ferienhausboot Holding GmbH

The European Hub for Innovation and Business (EHIB) Joins Forces with Club Vivanova in Monaco this 2022 for The Ultimate Mixer

The European Hub for Innovation and Business (EHIB) joins Club Vivanova for The Ultimate Mixer to be held on Wednesday 28th September at the Fairmont Monte Carlo during the 2022 Monaco Yacht Show. A global line-up of 14 partners will be showcased at this hugely anticipated event.

Wednesday 28th September 2022 . Fairmont Monte Carlo
”During the 2022 Monaco Yacht Show, Club Vivanova and their international partners invite you to enjoy a gourmet gala evening of luxury products, information and services shared amongst individuals and businesses having a common interest of positive and dynamic brand development. The Ultimate Mixer strives to bring together exceptional people in an exquisite location to cultivate new business opportunities. Our first edition of this highly anticipated event focuses on business and innovation from the Nordic regions of Europe. ” All Club Vivanova Platinum Partners will receive two complimentary tickets to this event. Link to attend event

EHIB - EUROPEAN HUB FOR INNOVATION AND BUSINESS

The European Hub for Innovation and Business (EHIB) was founded by a group of industry professionals, with the intent to bring European companies and innovation closer to the rest of the world. The founders have decades of experience in respective fields; luxury, medical, manufacturing, logistics, transport, energy, security and digital technology and our professional networks span 100+ countries over all continents. Read more

Blevins Franks Financial Tips - How Does Inflation Impact Your Retirement Savings?

With inflation surging in both the EU and the UK, now is the time to review your savings and investments to establish if they are suitably structured to provide protection from this threat. Even low levels of inflation can erode your spending power over time and retirees need to plan for this.  

“Inflation is when you pay fifteen dollars for the ten-dollar haircut you used to get for five dollars when you had hair”. 

This quote by American author and humorist Sam Ewing may make you smile, but it is a good example of the impact of inflation over the passage of time and underlines a serious threat to our long-term financial security.

Ronald Reagan used a more hard-hitting description: 
“Inflation is as violent as a mugger, as frightening as an armed robber and as deadly as a hit man”.  

Many people do not realise how damaging inflation is to their wealth over the longer term; it is easy to become complacent after years of low levels. But it is surging in many countries, causing concern among savers and retirees. In fact, you should always take inflation seriously as even low levels impact your wealth and retirement income over time – you may not notice the effects each year until it is too late.  

The impact of inflation 

You cannot just consider inflation rates on their own, you need to compare them to your earnings. If your savings generate a lower return than inflation, the real value of your money is falling and your income will buy less than it used to. 

Put very simply, and ignoring the impact of compounding, if your bank account pays 1% interest but inflation is 2%, after 10 years you will have 10% more money, but the goods and services you purchase will cost 20% more. In real terms you’ll effectively be 10% poorer.  The more time passes, the more damaging it is. 

Official Consumer Price Index (CPI) figures are based on a basket of goods containing a representative selection of items for people across all ages and incomes. It rarely reflects our own personal inflation rate.  As an illustration, a personal annual rate of 4% would reduce the spending power of 100,000 (Euros or Pounds) to around 67,000 after 10 years.  After 20 years it will have lost around 55% of its value and after 30 years your 100,000 would have the purchasing power of around 30,000 today.  

Inflation in Eurozone and France 

Across the Eurozone, the annual inflation rate reached a record 5.0% in December 2021, up from 4.9% in November. A year earlier, the rate was -0.3%. For the EU as a whole it was 5.3%.  The highest contribution to the annual euro area inflation rate came from energy, followed by services, non-energy industrial goods and food, alcohol & tobacco.

France tends to have lower inflation than the EU average and was 3.4% in December 2021.  A year previously it was 0%, but it first hit over 2% in August and has been slowly climbing since, with its Harmonised Index of Consumer Prices reaching 3.4% in November 2021 and maintaining the same rate in December. 

The biggest culprits were energy and petroleum products, but food prices have also seen a sharp increase year on year. 

UK inflation

In the UK CPI reached 5.4% in December 2021, the highest rate for almost 30 years. A year previously it was 0.3%.

In comparison, the Bank of England’s main interest rate was just 0.25% in December, an increase from November’s 0.1%.  It has been below 1% since March 2009.

Will inflation remain high?

Many of the factors behind the current surge are related to the pandemic and expected to be temporary. 

As economies opened unevenly after lockdowns, companies have been struggling to keep up with rapidly rising demand as they rebuild their supply chains.  Shortages of many goods like computer chips and building materials have pushed prices up. 

In addition, electricity prices rose sharply, hitting us both directly and indirectly as businesses pass on costs to customers. 

The Bank of England expects inflation could reach about 6% by spring 2022, but then start to come down. It warns, however, that some prices may remain higher than in the past. 

The European Central Bank also expects inflation to reduce over 2022 as supply gradually catches up with demand, but warns that as the pandemic is unprecedented in modern times this recovery may be different.

One particular uncertainty is wages. Prices and wages influence each other - if wages rise to compensate for higher costs of living, companies may recoup this expense by putting their prices up, so this an area to watch.

Protecting your retirement savings

Hopefully inflation will soon fall back to comfortable levels but, as mentioned earlier, even low levels will affect you by eroding your spending power year after year.  You always need to plan to protect your savings from inflation.

To generate returns that outstrip inflation, you need to invest in assets that historically generate returns in excess of inflation over time. Reduce risk to your capital by working with a wealth management adviser to follow a disciplined investment process:

·      Establish your goals and time horizon.

·      Determine your attitude to risk – your adviser should take you through a suitability process to calculate this objectively.

·      Construct a suitable, well-diversified portfolio to achieve your investment plan and objectives. 

·      Use quality investment managers.

·      Review your portfolio annually to keep it on track.

·      Be patient and stick with your plan – it is time in the market, not timing the market, that is likely to help you achieve your longer-term goals.

If you already have investments but without a carefully designed strategy tailored to your particular situation and appetite for risk, or have not reviewed them recently, look at your financial affairs to confirm if they are suitably structured to provide protection from potential future threats like inflation and taxation.

You need a tax informed investment strategy with the potential to provide capital growth higher than inflation and where your money is legitimately protected from unnecessary taxation. This can be achieved with a diversified investment portfolio, based on your objectives, circumstances and risk profile, held within a tax-efficient arrangement which is compliant in France.

CPI data is based on figures available on 20 January 2022. All advice received from Blevins Franks is personalised and provided in writing. This article, however, should not be construed as providing any personalised taxation or investment advice.

You can find other financial advisory articles by visiting our website here

The Principality's Luxurious Neighbour Villa Monaco Presents an Exclusive Open House Invitation with Club Vivanova on Tuesday 22nd February 2022

Club Vivanova exclusively invites all of our members and partners to an international wine cocktail and unique tour of Villa Monaco - the Principality's luxurious neighbour. Tours will take approximately 30 minutes, RSVP online and join us for this exceptional experience.

VILLA MONACO . EXCLUSIVE OPEN HOUSE
Tuesday 22nd February 2022 . 11am to 6pm
VIP Grand Tour . International Wine Cocktail
RSVP Online

Villa Monaco is built on a rare property of 4,000 sqm. overlooking the Mediterranean Sea. A former olive plantation became the home of the luxurious resort, placed in a context of peace and protection and monitored by a sophisticated alarm system.

Villa Monaco has a mainhouse and a separate guesthouse, with a total of 7 ensuite bedrooms, all specious and exceptionally elegant, facing a spectacular sea view, all air-conditioned and with their own balcony. Read more online

Join Club Vivanova
We now offer Individual, Corporate and Platinum Membership starting at €120 per year including complimentary wines delivered to your door. Our Corporate Partner platform offers excellent local and international promotional opportunities with event partnerships for brand-growth and business networking - plus free inclusion into our digital magazine and partner platform.

The Automobile Club of Monaco Releases Le Film - Rallye Monte-Carlo 2022

The Monte-Carlo Rally is arguably the most unpredictable race of the entire WRC season, with the paved streets of southern France made treacherous by the harsh winter weather. The Automobile Club of Monaco has released this incredible film, keep watching - it’s awesome action!

Star drive
”When Sébastien Loeb’s name cropped up on the entry list in M-Sport Ford’s Puma Rally1 car, we knew we were going to witness something special. But not this special. 

There was something magical about watching the semi-retired 47-year-old Frenchman jump in a brand-new car after two weeks at the Dakar and prove that he’s still got it. 

M-Sport managing director Malcolm Wilson may have been the happiest man in Monaco on Sunday afternoon, but Loeb’s stellar performance etched a smile on the faces of rally fans worldwide.”
Main article image and text courtesy of www.wrc.com

Film courtesy of the Automobile Club of Monaco

Corporate Partner Riviera Wellbeing January Newsletter - Multilingual Therapists and the Wellbeing Window

Welcome to the January 2022 Newsletter

Multilingual Therapists Join Riviera Wellbeing

I am happy to announce that Riviera Wellbeing has added two new therapists to the team. Therapy is now available to individuals and couples in English, Italian and French speaking languages.

Plans are in place to add therapists who are German, Spanish and Russian speakers. The French Riviera is home to a diverse population and these new hires recognise the region's diversity. It also recognises the explosion in demand for mental health services especially since the pandemic.

Riviera Wellbeing also intends to launch a low-cost therapy service in 2022 in line with the organisation’s philosophy that people at all income levels deserve the same access to the same therapy.

Tiga-Rose Nercessian and Sandra Vasiljevic Berset will initially work online. An increasing number of clients want to have therapy from the privacy and comfort of their homes. Research now supports online therapy is as effective as face-to-face and, in some circumstances, can be more effective.

I also hope we will expand our couples wellbeing services later this year.  More couples are coming to therapy not because something is missing but because they want more. More intimacy.  More fun.  More sex.  And why not?  This is relationship enhancement not crisis management.

In addition to our couples therapy, Riviera Wellbeing already offers couples intensives where couples come either on their own or in a small group and spend two-days with two therapists and transform the intimacy and quality of their love relationship. We take our cars in for a regular check-up, why not our relationships? Relationship enhancement and management are key to our wellbeing.

Please contact Gavin to discuss our couples wellbeing program.

Wellbeing Window
As a reminder, on the first Wednesday of the month at 09:00 (CET), I share the therapy couch with The Full English Breakfast show presenters Rob Harrison and Sarah Lycett on 106.5FM Riviera Radio.

The“Wellbeing Window”presents an opportunity for us to discuss issues related to mental health and emotional wellbeing. Tune in on the first Wednesday of the month at 09:00 CET to Riviera Radio 106.5 FM. We invite listeners to write in with any questions on the topic and I attempt to answer them on air.

Below is the podcast from January broadcast,"Healthy Boundaries/Healthy Relationships. All the shows can be found on mywebsite.

As you will see below, the next show is on February 2nd and the topic is "Living or Working With A Narcissist."

The Winter Ski Edit: The Luxury Ski Chalets of Villa Almellina Estates in Limone

Located in the Italian Alps in the renowned ski resort of Limone, the luxury ski chalets of Villa Almellina Estates is an exclusive new build residential development project comprised of 10 beautiful new build ski chalets and a luxury boutique hotel. 

Villa Almellina Estates is situated at only a 5-minute walk to the village of Limone and ski slopes. These large luxury chalets boast stunning views of the surrounding mountains and come with private gardens and terraces to enjoy year-round. 

Built by and designed in partnership with renowned Italian builders Fantino Costruzioni, the chalets offer a traditional chalet inspiration with an exposed timber structure and are luxuriously balanced with contemporary style, finishes, and equipment.

All of the chalets offer complete private indoor SPA upgrades, heated ski lockers, wine storage, double car lockout garages, and home automation, which makes these beautiful chalets one of a kind in the Limone real estate market. 

Current Sales:
There are 3 chalets that are still available for sale, Holiday Home Grand Chalet no.2, Holiday Home Chalet no. 6, and Holiday Home Chalet no.2. Holiday Home Chalet no.2  is finished with our Premium Specifications and is sold fully furnished and equipped. 

Recently sold in the last part of 2021 were Chalet no. 3 and no. 4. The completion and delivery of Chalet no. 3 are scheduled for March, weather permitting. 

For Chalet no.4, we are approaching the building of the upper part of the chalet. Chalet no. 4 will be the first chalet in Villa Almellina Estates to feature an indoor swimming pool to accompany all the amenities of the private SPA area. 

Grand Chalet 1  was recently completed and delivered this past fall. This chalet featured a stunning private luxury indoor spa with a cold plunge tub, jacuzzi, steam room, sauna, and shower. After a day of skiing, this spa is pure heaven for soothing tired muscles and offers a wonderful and peaceful place to relax in the comfort of your own chalet.  

For further sales information or to schedule a private viewing in Limone or meeting in Monaco, please contact Luca Catalano.

Website

S.A.S. Prince Albert II - President of the Monaco Olympic Committee (COM) - Presents the Competing Delegation for the Beijing Olympics

Tuesday, January 18, late in the morning, S.A.S. Prince Albert II, President of the Monaco Olympic Committee (COM), presented the delegation that will go to the Beijing Olympics.

Three athletes will defend the colors of the Principality in the Chinese capital, the first city to host a Winter Games edition after being the city of HOST of the summer JOs.

Arnaud Alessandria has been named a flag bearer and will be engaged in several alpine ski trials, while Rudy Rinaldi and Boris Vain will compete together in bobsleigh in two.

The ceremony, which was held in the presence of S.E. Mrs. Yvette Lambin-Berti, Secretary-General of the COM, was followed by the awarding of the Six Stars Medal by Mr. Pascal Camia, former Olympian and first Mongolian athlete to have won this award symbolizing his participation in the six most important marathons in the world, at S.A.S. the Prince as part of a charity fundraiser.

© Photos : Gaetan Luci / Prince Palace
Article courtesy of https://www.facebook.com/palaismonaco

Platinum Partner Omnia Wellness Completes Pivotal Step to Enter European Athletic Market with the Swiss Gymnastics Federation (STV)

Omnia Wellness Inc., a health and wellness company providing advanced wellness and fitness therapeutic technologies has completed a pivotal step to enter the European athletic market by signing a Letter of Intent with the Swiss Gymnastics Federation (Schweizerischer Turnverband - STV). 

Expansion into Europe is a key to global growth and revenue diversification strategy. Flagship Endo-Kinetic therapeutic tech to assist STV members to meet their high standards of performance by incorporating recovery, health, and wellness 

The Swiss Gymnastics Federation (STV), founded in 1985 and headquartered in Aarau, is the umbrella organization of cantonal/regional associations, gymnastics clubs, and is a member of the Swiss Olympic Association. STV is divided into 30 member associations, has approximately 370,000 members, 3,000 centers, and is not only the largest multisport association in Switzerland, but also the oldest. The STV promotes top-class sport (artistic gymnastics, rhythmic gymnastics and trampoline) as well as popular sports (aerobics, gymnastics, Rhonrad, fistball, Indiaca, basketball, and volleyball).

STV and Omnia Wellness intend to implement a phased process beginning in the first half of 2022 that targets Omnia installing its signature Endo-Kinetic therapeutic devices in a growing number of STV’s 3,000 sports centers as well as becoming an official STV sponsor. Operations will start with Pilot Centers, including the STV national performance center of Magglingen where top athletes of all disciplines receive specific training and where the Swiss Federal Institute of Sport is located. Omnia has a dedicated team in Switzerland supporting this initiative.

STV’s Central President, Mr. Fabio Corti, said: “We have studied Omnia’s fitness and wellness therapeutic devices and see its technology as strong value-added services for our Olympic athletes as well as our recreational fitness members -- and a win-win for both parties. We eagerly await the initial equipment demonstration in our Lenzburg location, followed by installations of the devices at four of our Centers which we anticipate leading to a wider long-term commercial master agreement.”

Omnia Wellness Executive Chairman, Mr. Steve Howe, said: “STV is one of the world’s premier sports organizations, and is an ideal partner to develop our advanced fitness technology in the heart of Europe. The Federation has a long history of serving the health and wellness of its athletes for over 180 years. 

The Swiss athletic market is seen as a trend setter for the rest of Europe and launching our international expansion with STV allows us to build a solid foundation and reputation with customers in the region. Our EU business development efforts in 2021 have resulted in a robust pipeline we intend to execute on this year, and this is the first step.”

 About The Swiss Gymnastics Federation (STV)

Founded in 1985 and headquartered in Aarau, the Swiss Gymnastics Federation (STV), is the umbrella organization of cantonal/regional associations, gymnastics clubs, and is a member of the Swiss Olympic Association. STV is divided into 30 member associations, has approximately 370,000 members, 3,000 centers, and is not only the largest multisport association in Switzerland, but also the oldest. With its predecessor associations – the Federal Gymnastics Association ETV (founded in 1832) and the Swiss Women’s Gymnastics Federation SFTV (founded in 1908) – it can look back on a long tradition. The STV has been committed to the health of the population for 180 years. The versatile offer for all ages, the joy of movement and the fun of gymnastics, motivates and connects. The STV promotes top-class sport (artistic gymnastics, rhythmic gymnastics, and trampoline) as well as popular sports (aerobics, gymnastics, Rhonrad, fistball, Indiaca, basketball, and volleyball). For more info, see: https://www.stv-fsg.ch/de/  

 About Omnia Wellness Inc.

Omnia Wellness Inc. is an innovative developer of a disruptive dry-hydrotherapy technology for massage, fitness, and medical applications. Through its subsidiaries Omnia Wellness Inc. and Solajet® Financing Company, Omnia Wellness intends to commercialize SolaJet’s Dry-Hydrotherapy, Endo-Kinetic™ technology, which provides deep tissue suppression, therapeutic heat, vibration and a flushing full-body “wave” combining four therapies in one. Treatments are designed to deliver the feeling similar to an hour-long traditional massage in as little as 15 minutes at an affordable price point for the consumer. In response to COVID-19, the Company is emphasizing its technology as “touchless” therapy. It is the expectation of Omnia Wellness to create a national chain of “BodyStop® Relaxation and Therapeutic Centers,” with the first BodyStop® opened in the third quarter of 2021, and “BodyStop® Recovery Zones” available at fitness clubs. https://omniawellness.com

Forward-Looking Statements 
This press release may contain “forward-looking statements”, including but not limited to: statements regarding the Company’s overall business; total addressable market; and expectations regarding future sales and expenses.  Words such as “expect,” “anticipate,” “should,” “believe,” “target,” “project,” “goals,” “estimate,” “potential,” “predict,” “may,” “will,” “could,” “intend,” and variations of these terms or the negative of these terms and similar expressions are intended to identify these as forward-looking statements. Moreover, forward-looking statements are subject to a number of risks and uncertainties, many of which involve factors or circumstances that are beyond the Company’s control. The Company’s actual results could differ materially from those stated or implied in forward-looking statements due to a number of factors, including but not limited to: the Company’s ability to successfully implement training programs for the use of its products; the Company’s ability to manufacture and produce products for its customers; the Company’s ability to develop sales for its new product solutions; the acceptance of existing and future products; the availability of funding to continue to finance operations; the complexity, expense, and time associated with sales; the lengthy evaluation and sales cycle for the Company’s products; product defects; litigation risks from alleged product-related injuries; risks of government regulations; the business impact of health crises or outbreaks of disease, such as epidemics or pandemics; the ability to obtain export licenses for countries outside the U.S.; the ability to obtain patents and defend IP against competitors; the impact of competitive products and solutions; and the Company’s ability to maintain and enhance its brand, as well as other risk factors. These forward-looking statements are made as of the date of this press release and are based on current expectations, estimates, forecasts, and projections as well as the beliefs and assumptions of management. Except as required by law, the Company undertakes no duty or obligation to update any forward-looking statements contained in this release as a result of new information, future events, or changes in its expectations.

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Le Marquis St Tropez Offers The Blue Monkey for Rental - Located in the Heart of St Tropez

The Blue Monkey. An elegant apartment with dining terrace, overlooking the Marina and bay, situated in one of the most convenient parts of the St Tropez peninsula.

This is a luminous recently refurbished apartment with spectacular views of the marina, and through to the bay of St Tropez, with easy access to St Tropez, to Pampelonne Beach, and to the villages of Ramatuelle, Gassin and Grimaud.

Situated on the first floor with lift access, the entrance opens onto an open plan living room with doors to the terrace, a covered dining terrace with olive tree. Fully equipped open plan kitchen with breakfast bar: oven, micro wave, dishwasher and DeLonghi capuccino and espresso machine. Separate WC. Shower with double basin, and clothes washing machine. Double bedroom with small terrace. With its proximity to the water, and with terraces at both sides the apartment stays cool even on the hottest days.

Also possible to reach St Tropez by Bateau Verts to save parking problems on market days: 20 minutes across the bay, every half an hour in the summer. The apartments in the marina are protected by 24 hour security service, and have access to tennis courts, swimming pool and beach, all at walking distance from the apartment. Restaurants, shops and supermarket are all a few minutes walk, as well as a Covid test centre.

Original paintings from local artist, Annick Mckenzie, “Les Tois de St Tropez” by Dominique dall’Agnoll ” and limited edition Louis Icart prints and Cannes Film Festival posters adorn the walls. The “Amsterdam” leather chair in the living room is the same chair design that was featured in James Bond’s London  apartment in the film “Spectre”, and comes from the same designer.

Link to more information

Blevins Franks Financial Tips - Resolve to Review Your Financial Planning for 2022

Take time to check your tax planning, investments, pensions and estate planning are all on track to protect your family’s long-term wealth. 

The New Year is a time when most of us take stock of our situation and set goals to improve our health, happiness, lifestyle and wealth. This year, make it one of your resolutions to check your financial planning is on track to meet your needs and protect your family’s long-term financial security.

Why regular reviews are important 

Regular reviews help keep your financial affairs compliant and up to date. Tax rules or financial regulations can change at any time, which may affect the tax efficiency – or even legality – of your existing arrangements. There may also be new opportunities that you could find beneficial… but only if you know about them. And with Brexit still relatively new, and more potential changes on the way, it is important to keep ahead of any developments that may affect you, for better or worse. 

You also need to consider if any changes in your personal and family circumstances mean you should adjust your arrangements. Did you welcome any new family members or are there any upcoming major life events – such as retirement, relocation or divorce – that may warrant a rethink of your plans? 

For a truly effective review, and to ensure it is suitable for your life in France, consider how your tax planning, investments, pensions and estate planning work together. 

Tax planning

You should first make sure you know where you are resident for tax purposes, especially if you are new to France or spend time in both countries. You then want to structure your investments and wealth in the most suitable way to minimise taxation – in France, the UK and wherever you have financial interests – while still meeting your obligations. 

In today’s world of ‘automatic exchange of information’, it is more important than ever to get it right. Your local tax office receives financial information about your offshore assets without having to even ask for it. 

Cross-border tax planning is complex, so take specialist advice to achieve peace of mind and potentially secure significant tax savings.

Savings and investments

If you do not already have a financial plan in place for France, you need to take a fresh look at your savings and investments. Are they actually better suited to a UK resident? Do they meet your risk/reward appetite? Are you taking advantage of suitable tax-efficient opportunities in France?

Successful investing is about having a strategy specifically based around your personal circumstances, time horizon, needs, aims and risk tolerance. You should ensure you have adequate diversification to avoid over-exposure to any given country (including the UK), asset type, sector or company. Explore investment structures that allow multi-currency flexibility to help minimise exchange rate risk.  

Pensions

For most people, their pension is key to their financial security through retirement, so deciding what to do with yours could be one of the most important financial decisions you make.  

So take the time to explore all the available options, weighing the pros and cons and considering the tax implications and potential benefits in France. 

Make sure you take regulated advice to protect your retirement benefits from pension scams and do what is right for your personal circumstances and aims. 

Estate planning  

It is vital to review your estate planning when living in France.  Here in France both succession law and tax work very differently to the UK. 

Are you aware, for example, that France’s ‘forced heirship’ rules could automatically pass a significant proportion of your worldwide estate to your direct family, whatever your intentions? You can specify in your will for the EU regulation ‘Brussels IV’ to apply relevant British law to your estate instead, but take care to understand your options and any tax implications. 

Your estate plan should be set up to achieve your wishes in the most tax-efficient way possible. 

To bring all these complex elements together and ensure you have not missed out on any suitable opportunities, take expert, cross-border advice. Spending time on a financial health-check now can secure peace of mind that you and your family are in the best position to enjoy a prosperous 2022 and beyond.    

The tax rates, scope and reliefs may change. Any statements concerning taxation are based upon our understanding of current taxation laws and practices which are subject to change. Tax information has been summarised; individuals should seek personalised advice.

Blevins Franks Group is represented in France by the following companies:  Blevins Franks Wealth Management Limited (BFWML) and Blevins Franks France SASU (BFF). BFWML is authorised and regulated by the Malta Financial Services Authority, registered number C 92917. Authorised to conduct investment services under the Investment Services Act and authorised to carry out insurance intermediary activities under the Insurance Distribution Act. Where advice is provided outside of Malta via the Insurance Distribution Directive or the Markets in Financial Instruments Directive II, the applicable regulatory system differs in some respects from that of Malta. BFWML also provides taxation advice; its tax advisers are fully qualified tax specialists.  Blevins Franks France SASU (BFF), is registered with ORIAS, registered number 07 027 475, and authorised as ‘Conseil en Investissements Financiers’ and ‘Courtiers d’Assurance’ Category B (register can be consulted on www.orias.fr). Member of ANACOFI-CIF. BFF’s registered office: 1 rue Pablo Neruda, 33140 Villenave d’Ornon – RCS BX 498 800 465 APE 6622Z.  Garantie Financière et Assurance de Responsabilité Civile Professionnelle conformes aux articles L 541-3 du Code Monétaire et Financier and L512-6 and 512-7 du Code des Assurances (assureur MMA). Blevins Franks Trustees Limited is authorised and regulated by the Malta Financial Services Authority for the administration of retirement schemes. This promotion has been approved and issued by BFWML. 

You can find other financial advisory articles by visiting our website here

The Macsween Burns Supper Guide - Learn All About Scotland's Most Loved Haggis

Burns Night - celebrating the life and work of Scotland's national poet “The Life of Robert Burns”, Scotland's national poet, is celebrated every year on 25th January. Burns was a noted raconteur and wordsmith of the highest order.

The first Burns Supper was organised by his friends after his death in 1796 and is a tradition that continues to this day. Be it a smart, formal affair or relaxed family gathering, the star of any Burns Supper is the haggis.

Join Club Vivanova with the British Association of Monaco at 7pm on Tuesday 25th January 2022 at the Fairmont Monte Carlo and raise a glass to the haggis at our Burns Supper - link to event.

What Is Haggis and What’s In It?

Scotland's national dish provokes huge curiosity.
Simply lamb, beef, oats, onions and spices, nothing more, nothing less. Haggis is basically like an oaty, spicy mince and a great source of iron, fibre and carbohydrate with no artificial colours, flavourings or preservatives. Each haggis maker will have a slightly different recipe, but this is the way our Grandfather made it and we think it’s the best tasting recipe there is! Our vegetarian haggis is a combination of healthy fresh vegetables, mushrooms, pulses, oats, onions and seeds. It is approved by the vegetarian society and is suitable for vegans, but is loved by meat-eaters too.

What Are Its Origins?

The biggest myth of all, in a way, is that haggis belongs to Scotland alone. Haggis is actually a very ancient, global dish. Going back thousands of years, when hunters returned with their kill they would cook-up the parts of the animal that needed eaten first. The fresh offal would be chopped and mixed with cereal and herbs and cooked over the fire in the ready-made saucepan (the stomach). Hey presto – the first haggis. Many cultures actually had haggis made from different animals depending on what was being hunted and we like to think of haggis as the celebratory dish that everyone shared after the big hunt!

A Haggis Recipe
Whilst 25th January is an important date, don’t forget that haggis can be eaten on any day of the year.

Gluten Free Haggis Larb Lettuce Cups
250g MacSween Gluten Free Haggis
200g pork mince
2 tsp vegetable oil
2 stalks lemongrass, finely chopped
1 large red chilli, finely chopped
2 cloves garlic, crushed
1 banana shallot, finely chopped
2 tsp palm sugar or brown sugar
2 tbsp fish sauce
1 lime, juiced
small bunch fresh coriander, chopped
1/2 cucumber, seeded and sliced
2 spring onions, sliced
2 baby gem lettuce
handful of peanuts

Method
Heat the oil in a large frying pan or wok over a medium heat and fry the lemongrass, chilli, shallots and garlic for 2 minutes. Add the haggis and pork mince, continue to cook for another 6-8 minutes, stirring all the time. Keep cooking until the mince is fairly dry.
Add sugar and fish sauce and let the mixture bubble for a minute then stir in the lime juice and most of the coriander.
Divide the between the lettuce leaves and garnish with cucumber, spring onion, coriander, peanuts, chilli slices and a final squeeze of lime.

Join Club Vivanova with the British Association of Monaco at 7pm on Tuesday 25th January 2022 at the Fairmont Monte Carlo and raise a glass to the haggis at our Burns Supper - link to event.

Savills Monaco Property Blog - The Tiny City-State of Monaco is Expanding

The tiny city-state of Monaco is expanding – at least in terms of the choice of luxury homes on offer in this prestigious principality by the Mediterranean Sea. There are now more new residential schemes being constructed here than ever before and, in a buoyant market that remained relatively stable during the pandemic, we are seeing demand from a new kind of buyer.

With eyes firmly focused on new build, these buyers want to live in a modern building that offers exclusive services. Below are five developments that will be completing over the coming years.

Mareterra
Neighbourhood: Larvotto

The most requested new development is the eagerly anticipated Mareterra land extension. This exciting project will have 110 apartments and 10 luxury villas, some of which will be front line to the sea with uninterrupted views over the Mediterranean. Environmental factors are central to the design. There will be green parkland and open spaces allowing residents and visitors to feel connected with nature. Eco-friendly features include a rainwater recovery system and photovoltaic energy panels. Find out more

Bay House Monaco
Neighbourhood: Larvotto

Bay House is a new development in the ultra-exclusive Larvotto district of Monaco, an area that saw an average price per square metre in 2020 of €65,000. This development delivers on the new wave of high expectations for modern and luxurious services. Benefits for residents include outstanding sea views, a luxurious pool and wellness centre, concierge, dry cleaning, valet and more. Find out more

L’Exotique
Neighbourhood: Jardin Exotique

L’Exotique takes its name from the district Jardin Exotique located in the heights of the west side of Monaco, and has been designed by award-winning French architect/engineer Rudy Ricciotti, famous for the MUCEM museum in Marseille. It’s designed to be consistent with the natural Mediterranean backdrop, incorporating stone and wood throughout. Jardin Exotique has some of the best views in the principality and the building will also have a wellness centre, a heated swimming pool and plenty of underground parking. Find out more

Villa Palazzino
Neighbourhood: Monte-Carlo

Villa Palazzino is a new development coming soon to the famous beating heart of Monaco - Monte-Carlo, an area famous for world class shopping, hotels, restaurants and casinos. The building, which stays true to the beautiful bourgeoisie architecture found throughout the principality, comprises 19 luxury apartments and four town houses. Residents will benefit from a 24/7 concierge and security. The two penthouses will have access to an exclusive rooftop swimming pool. Find out more

Villa Portofino
Neighbourhood: Condamine

Villa Portofino, a name that conjures up Italian glamour, elegance and excellence, will offer exactly that to potential buyers in Monaco. The development has a fantastic location in the vibrant Condamine district which runs parallel to the dynamic Port Hercules and is ideally located for Monte-Carlo and Fontvieille. Emmanuel Deverini is the architect who has been instructed to create a timeless, chic new development that will fit in seamlessly with the area’s architectural backdrop. Find out more

Blevins Franks Financial Tips - Investing Responsibly - Earning Returns While Helping the Environment and Society

The news was dominated recently by the COP26 meeting in Glasgow and the environmental issues affecting the planet and our daily lives.  It came at a time when many of us were already thinking about what changes we can make to play our part in improving the situation. The topic of ‘ESG investing’ – Environmental, Social, Governance – was highlighted over the fortnight and it is something many investors are keen to explore. 

The November COP26 (26th Conference of the Parties) was a global United Nations summit about climate change and how countries can bring it under control.  Large companies also need to play their part to reduce their impact on the environment, and this is where investors can be selective over which companies to buy shares in.

Interest in ESG investment has been growing noticeably over recent years. Investors are placing greater emphasis on the environmental and social impact of their investments, wanting to make sure the firms benefiting from their capital do not contribute to problems like climate change, inequality etc. They are increasingly seeking to manage to exposure to ESG factors, while generating sustainable long-term returns – responsible investing and performance can be complementary.  

It is estimated that around 20% of global investors have some ESG investments and almost 50% say they are interested. 

ESG investing 

This type of responsible investing prioritises financial returns alongside a company’s impact on the environment, its stakeholders and society.  Here are some simple definitions:

·      Environmental – The impact of a company’s activities on the environment: carbon footprint, greenhouse gas emissions, renewable energy usage, using a sustainable supply chain etc. Positive outcomes include managing resources and executing environmental reporting/disclosure, or avoiding/minimising environmental liabilities such as climate impact or pollution.

·      Social – A company’s impact on its employees, customers, consumers, suppliers and the local community: how employees are treated, racial diversity among staff and executives, LGBTQ+ equality, inclusion programmes etc.  Positive outcomes include increasing health, productivity, and morale, or reducing negative outcomes such as high turnover and absenteeism.

·      Governance – The way companies are run: how does the management drive positive change?  What are its business ethics?  Positive outcomes include aligning interests of shareowners and management, improving diversity and accountability, and avoiding unpleasant financial surprises, such as excessive executive remuneration.

In summary, ESG investing considers how a company serves its staff, communities, customers, stakeholders and the environment. 

These days, most public companies, as well as many private ones, are evaluated and rated on their ESG performance by various third-party providers of reports and ratings. These include Bloomberg, S&P Dow Jones Indices and MSCI.   

Institutional investors, asset managers, financial institutions and other stakeholders are increasingly relying on these reports and ratings to assess and measure companies’ ESG performance compared to peers.

ESG performance 

Investing responsibly does not mean you have to accept lower returns.  

ESG investing is building up a good track record, with noteworthy performance over the pandemic. During the market turbulence and uncertainty, many companies with strong ESG track records showed lower volatility than others  and investors turned to ESG for increased resiliency.   According to US financial services firm Morningstar, the last quarter of 2020 saw record sales of $152 billion and total assets invested worldwide reached $1.6 trillion. 

Analysis by Morningstar also found that, over a decade, 80% of equity funds investing in sustainability outperform traditional funds. ESG funds also show longevity – 77% of ESG funds that existed 10 years ago survived, compared to 46% of traditional funds.  

Investment planning 

You do not need to spend hours researching a company’s ESG track record and scores, or comparing its share price with other companies to try and work out which ones to invest in.   As with other capital investments, you can buy funds which invest in highly rated companies. This also reduces risk as it provides much more diversification.  

Apply the same investment principles with ESG investing as with all other capital investments: 

1.     Establish your objectives and time horizon.

2.     Obtain an objective analysis of your appetite for risk. 

3.     Have a mix of assets and sectors in your portfolio to reduce the risk of one area performing badly.  

4.     When considering a new investment, analyse how it fits in with the rest of your portfolio and impacts its risk weighting. 

5.     Conduct regular reviews, around once a year.  

 You can choose to use a financial advisory company that incorporates responsible investing within its advisory services. Some companies now look at ESG considerations, as well as traditional assessments, as a part of the overall investment considerations when assessing suitability of investments for clients.  

So responsible investing does not have to involve more work on your part, and you can invest as you normally would, without compromising returns or your risk weightings – but with the difference being which companies benefit from your investment capital.  You don’t need to focus all your portfolio on ESG funds – indeed, you need a good spread of assets to reduce risk – but it is one step you can take to help protect our environment and society. 

All advice received from Blevins Franks is personalised and provided in writing. This article, however, should not be construed as providing any personalised investment advice.  The value of investments can fall as well as rise, as can the income arising from them. Past performance should not be seen as an indication of future performance.

You can find other financial advisory articles by visiting our website here

Our Auction Partner Zachys Hosts Online Fine & Rare Wines & Spirits Extravaganza this December 2021

December 2, 2021 – 4pm GMT (11am EST) 572 lots
This auction will be held “live online,” with a live feed of the auctioneer.

Zachys is also accepting online, absentee, and phone bids, like all auctions. For assistance bidding from home, contact.

Here is the link to the website to the online catalog. Bidding is now open and the studio sale goes live 4pm GMT (11am EST)!

Upcoming Zachys Wine Auctions
December 10 – Fine & Rare Wines & Spirits, New York December 11 – The Vault IV, New York
Zachys holds eAuctions monthly.
Please see website for details.

A 50+ lot selection of VERY RARE Cognacs from big names such as Courvoisier, Hennessy, Martell & Hine but also very rarely seen vintage bottles from the 1800s. This section will close the auction and starts at lot 519. If spirits is your thing, don’t miss out on this incredible collection!

A superb collection of Port and Madeira. What’s better than fortified wines to keep you warm during winter? That’s right, nothing beats it. In case you need to stock up on perfectly mature Port and Madeiras here’s your chance.Taylor’s, Fonseca, Warre’s, Graham’s, Quinta do Noval are all featured as well as a smorgasbord of other producers dating back to vintage 1963. And that’s only the Port. Madeira makes a tasty appearance too with Malmseys and Verdelhos dating back to the late 1880s. Get ready to stay warm this winter!

An eclectic mix of Italian wines. How about multiple vintages of Solaia and Tignanello, a deep vertical of Monfortino, Prunotto dating back to 1993 and several lots from producers like Rinaldi, Soldera, Sassicaia and more.Truffle season is here and these bottle makes for a perfect pairing!

An amazing Champagne collection of Henri Giraud, direct from the domaine. With several vintages of Argonne and Fut de Chenes in 750ml, magnums and, yes you guessed it, jeroboams, this is the most exciting offering of Henri Giraud ever to be offered at auction. To make thing even better, all bottles comes in their individual wooden case, built specifically for this auction.