Contact Jan/Feb 15 by Contact

January / February 2015

Saboohi Famili

College without walls Ghostly entertainment

College without walls

Mike Brown talks about Guernsey’s retail sector, the importance of embracing new technologies and being entertained by ghosts

MORE THAN JUST sheep

Guernsey College of Further Education – its new principal’s vision to create a world-class provider of education for Guernsey’s workforce of tomorrow

How New Zealand is putting itself on the map as a finance centre and a look at the country’s historic and current links with Guernsey

G U E R N S E Y ’ S

B U S I N E S S

M A G A Z I N E

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Welcome to 2015 and the year’s first issue of Contact We re-launched Contact magazine last year and it has proved to be amazingly successful. We truly believe that it is the island’s leading business magazine. Issued every two months, we saw revenue and content grow throughout the course of last year. Congratulations to the Collaborate team for all its efforts. We start 2015 with our lead feature, being an interview with the principal of the Guernsey College of Further Education, Saboohi Famili who gives insight into her thoughts and ambitions for the college as she seeks to modernise and drive forward further education on the island. We at Chamber are very pleased to see Saboohi in her new role. We hope to build a closer working relationship with the college to ensure that the required courses and training are in place to ensure an appropriately skilled workforce for the island’s business community. 2014 seemed to be the year when the States brought its small, but incremental tax ideas into the headlines. These are presumably designed to cover any on-going budget shortfall. No doubt the ‘Enough is Enough’ protest voice will have made our politicians think carefully about at least some of these, but nevertheless the island cannot escape the difficulties that lie ahead resulting from our ageing population and changing demographics.

Editor Trish Grover editor@collaboratecommunications.com Advertising sales Julie Todd sales@collaboratecommunications.com Design & production Mojoe joe@mojoecreative.co.uk

During the course of 2015, Chamber will encourage the States to focus on the big issues that we believe are fundamental to resolving our population strategy. This involves, in particular, a resolution to our housing licence difficulties in order to make it easier for people to relocate to the island for work and to provide encouragement and stability for employees to put down roots and immerse themselves into island life. In an age where we need certain specialist skills, we must accept the need to bring in new talent, and to nurture and educate that talent. This will in turn ensure that our working and non-working population remains balanced and we may have a chance of also balancing the budget without the need for long-term deficits. The States also needs to focus and find a solution to the lack of affordable housing on the island. 2014 saw a drop in our population. That must not be allowed to develop into a trend. So action, not talk, is needed. There are positive signs both for the Guernsey and the Channel Island economies. I truly believe that 2015 will be the year when we look forward with positivity and optimism.

Contact is produced six times a year by Collaborate Communications. To receive Contact magazine call Julie Todd on: communications 01481 715 222 or email: sales@collaboratecommunications.com www.facebook.com/ContactmagazineGuernsey @collaborateCI

www.guernseychamber.com office@guernseychamber.com president@guernseychamber.com 01481 727 483

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Contact is published by Collaborate Communications. Copyright 2015. All rights reserved. Any reproduction without permission is prohibited. Contact contains editorial content from external contributors which does not necessarily reflect the views of the publishers. Contact does not accept or respond to unsolicited manuscripts and photographs. The publishers do not accept responsibility for errors in advertisements or third party offers.

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FE AT U R ES

Saboohi Famili

New Zealand

College without walls

More than just sheep

Grumpy old (wo)man With Mike Brown

Contents 6 Business news 16 Chamber news

All in a day’s work

If I were in charge

With Katie Blampied

With Jo Delbridge

19 Saboohi Famili 27 Wealth management 33 Jurisdictions - New Zealand 39 Outsourcing 43 Business in the community 46 HR and training 55 Grumpy old (wo)man 58 All in a day’s work 60 If I were in charge

CONT RIBU T O R S James Arklie - writer

Simon Boucher-Harris - photographer

Gemma Long - writer

John O’Neill - photographer

Nichole Sweetsur - writer

Create a solid foundation and your building will stand the test of time

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BUSINESS NEWS

Many MBA students pick ‘home’ not ‘away’

clearly recognise the value of continuous development for senior managers and directors,’ said the GTA’s head of postgraduate programmes Chris Edwards.

right) from the University of Southampton School of Management, one of Europe’s leading management schools, said the course would challenge every student.

Since the GTA University Centre introduced a Masters in Business Administration qualification into its programme the two-year course, run in conjunction with Southampton University, has proved extremely popular from students working across all local business sectors.

‘The MBA course has been very successful and we’ve had more than 60 people graduate from it. Previous cohorts and those currently studying will add enormous value and have an important role to play in ensuring their organisations and the island remains competitive.’

‘It is intense but both the GTA University Centre and the University of Southampton have many years’ experience of supporting students and we want to do what we can to ensure there are no barriers put in place.’

This year, 14 have started the course, which includes young managers from the States of Guernsey who will use year one to gain a Postgraduate Certificate in Business Administration. ‘Undertaking an MBA is a considerable commitment so it’s very encouraging that delegates from both the private and public sector are able to access this world-class programme. Individuals and employers

The course, which aims to give students a grounding in the latest management techniques and thinking, provides an understanding of strategic management and an insight into business issues through individual research and by covering a wide range of modules including effective leadership, contemporary marketing, decision modelling and analysis, corporate finance and operations management.

Professor Meyer said the diversity of the students’ background made the course very interesting to teach. ‘Once again, we have a number from the public sector, the finance industry and from the medical and legal professions, and that diversity is important as it brings a different perspective and insight. That helps challenge all of us on our own ideas and how we think things should work and ensures that we are all constantly learning as we go through the course.’

Professor Edgar Meyer (pictured front far

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B U S I N E S S N EWS

Cloud services provider Calligo, has been named a winner by Frost & Sullivan in its annual 2014 CIO Impact Awards. Frost & Sullivan, a global research and consultancy organisation with 40 offices around the world and nearly 2,000 staff, recognised 44 companies, including enterprise teams, individuals and technology partners for enabling breakthrough new business models and strategies through the innovative use of transformative technologies.

Calligo recognised for innovation

Calligo’s ‘Project Global Multi-Jurisdiction Cloud’ was evaluated by the panel of industry experts judges that included award-winning chief information officers

‘We are very pleased to have been honoured by Frost & Sullivan with this prestigious award. It’s great to be recognised for what is an ambitious and innovative use of technology, which underpins Calligo’s go to market strategy, and for the recognition of what Calligo has achieved in such a short period of time,’ said Julian Box, CEO and co-founder.

The survey was conducted among financial institutions across seven jurisdictions – including Guernsey and Jersey.

of their results and suggestions as to what they need to do next. The higher the score the more prepared the firm is for FATCA monitoring and reporting.

More than half (52%) of respondents reported that the greatest challenge when preparing for FATCA is actually understanding the requirements, such is the complexity and ambiguity of the regulations.

Across all jurisdictions the largest segments were scored as at two or three on the scale indicating that FATCA preparations had commenced or are in progress. This suggests that most firms have reviewed their processes and registered with the US Internal Revenue Service but have not extended into entity classification and client contact. Of the jurisdictions polled, Switzerland scored highest in terms of overall readiness with Guernsey and Jersey scoring above the average.

As a result, almost a third (30%) of respondents are still unsure as to the specific impact of the new reporting requirements on their respective firms, although most agree that FATCA will negatively impact their relationships with US clients, with many US citizens being rejected by banks and financial institutions which could lead to legal challenges.

Survey suggests not all companies are ready for FATCA Blue Bison Software’s ‘FATCA readiness survey’ indicates some companies are not as prepared for the new regulation set to come into force in 2015 as they should be.

and Frost & Sullivan researchers. Calligo received high marks from the judges for its strategic initiative to build a full set of cloud services across multiple jurisdictions around the world that have been specifically designed to meet the data protection, privacy and residency requirements of offshore jurisdictions.

The survey set out to measure the state of readiness for FATCA within the financial services industry and to identify the point companies have reached within the FATCA adoption process. Questions were directed in 3 key areas, namely, strategy and planning; people, policies and processes; and tools and technology. Based upon their answers, respondents were provided with an aggregate score as to where they are on a scale of one to five with an interpretation

Commenting on the research, Richard Parker of Blue Bison said: ‘Financial institutions are getting to grips with FATCA ahead of withholding and reporting coming into effect from January 2015. However, it is evident that many firms underestimate the volume of work involved and intend to use manual processes and forms for individual and entity classification. As FATCA is likely to be just the start of further inter-jurisdictional tax regulation, such as the OECD Common Reporting Standard there is a risk that some firms will be overwhelmed with client monitoring and reporting requirements’.

B U S I NES S NE WS

Shortlist includes a diverse spread of local business sector The shortlist for the Guernsey Awards for Achievement has been announced. 12 local businesses are in the running to win one of the coveted trophies. Six business awards will be presented at the annual gala evening to be held at Beau Sejour on Thursday 5 February. Two very different businesses are competing for the NatWest Best New Business Award: the multidisciplinary practice of therapists Avenue Clinic and newcomer local jewellery designer Becky Rowe Jewellery. The judges were impressed how Avenue Clinic’s innovative business model has enabled it to become a sustainable business model and how Becky Rowe Jewellery has positioned itself as a high quality operation with a brand and retail space that matches the quality of their products.

and local public relations and how Apéritif implemented a very focused and effective marketing strategy on a limited budget. The newest award, the Investec Sustainability In Action Award will see Sarnia Hotels go head-to-head with Health Information Guernsey both of whom are appearing for the first time as short-listed companies at the event. Sarnia Hotels’ clear thinking as to how sustainability can help to drive profitability was highlighted by the judges who were also impressed how the group was the first local hotel chain to recognise that there was a market for ‘green tourism’ and which is the only local company to attain a national acclaimed silver Green Tourism Award. The judges commented that whilst Health Information Guernsey may be a not-for-profit organisation, it has developed to reflect changing circumstances and respond to on-going reviews.

The world of nightclubs, running for charity and the art of cocktail making have been shortlisted for the Healthspan Excellence in Marketing Award: IBZ.TV, 7in7 and Apéritif.

The interest from local companies entering more than one award category remains high with Avenue Clinic and IBZ.TV being shortlisted for the BWCI Innovation Award along with technology consultancy C5 Alliance Group. All three companies impressed the judges with their innovative use of technology to enhance the customer product and experience whilst delivering a superior level of customer service.

The judges highlighted how IBZ.TV’s service had successfully achieved credible levels of brand equity in the Ibiza clubbing market; how in a very short time the 7in7 brand has gained island wide recognition and admiration through the clever use of Twitter

The finance industry provides two of the finalists for the Condor Ferries Employer of the Year award. Actuarial consultancy BWCI and fiduciary and fund experts, the Louvre Group, are both in the running alongside Guernsey’s largest timber and builders’

merchant, the NP Group. Excellent staff retention, strong training and career development paths and recognition of high achievers were just some of the comments from the judges regarding these three contenders. The NP Group and BWCI will face each other again in the final award of the gala evening as they have both received a second shortlist for the Commerce & Employment Guernsey Business of the Year Award. Joining them in the contest will be fund administrators, the International Administration Group (Guernsey) Ltd. The judges were impressed with all three companies who demonstrated several key attributes of a successful business such as a growth through diversity, clear investment in internal and external CSR and effective management.

The awards categories • NatWest Best New Business Award • BWCI Innovation Award • Healthspan Excellence in Marketing Award • Investec Sustainability in Action Award (new category) • Condor Ferries Employer of the Year Award • Commerce & Employment Business of the Year Award

B U S I N E S S N EWS

Merger of two local accountancy firms Offshore Accounting Limited merges with A+ Accounting Limited on 1 January 2015.

friends operating in a similar environment. ‘We will ensure that all A+ Accounting clients receive the same quality service for the same affordable fees they are used to,’ said Will.

A+ Accounting owner, Viola Nyari and Will Morgan, director of Offshore Accounting, have been friends for a number of years and saw the chance to join forces as mutually beneficial.

‘We understand the importance of relationships that clients build with their accountants so we have been careful in our discussions to ensure that the amalgamation of the businesses will have no effect on the services provided to A+ Accounting clients.’

‘A+ Accounting commenced trading shortly after Offshore Accounting. Vee and I became

The team will be located in Offshore’s offices at Isabelle Chambers in Route Isabelle.

‘Networking is critical for entrepreneurs and startups and it’s important not to undervalue the importance of face-to-face meetings. The speed-networking events are an efficient, fun format to meet new contacts and develop new business leads!’

Full speed ahead for networking partnership Joint organisers of the successful speed networking events – Start Up Guernsey and Rise and Shine Breakfast Club – have launched a further series of events for 2015. The inaugural networking event, which was held during Global Entrepreneurship Week late last year, was a great success and

attracted nearly 50 business professionals from a range of sectors and from companies of all sizes. The concept of speed networking gives a slightly more structured approach than some other alternative business development events. Attendees spend two minutes with a new contact. They exchange information about themselves, their business, find out if there are any potential business development opportunities and then they are moved on to the next person. Carl Symes, chairman of Start Up Guernsey, said:

Anne Richardson, joint founder of the Rise and Shine Breakfast Club, emphasised the benefits of the new partnership. ‘Start Up Guernsey really raised the bar during Global Entrepreneurship Week and we thoroughly enjoyed working with them. Everyone agreed that it is important to continue. So we have planned a schedule of speed networking events for 2015 to suit businesses of all sizes and sectors.’ The first Speed Networking event of 2015 will cost just £12, and takes place on Thursday 29 January. Full details can be found at www.startup.gg and www. riseandshineci.com. Details of the regular monthly Rise and Shine events, held at Muse Café, can also be found on the Rise and Shine website.

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B U S I NES S NE WS

Your island needs you

even ask your staff to dress in 1940s wartime clothing in the week leading up to liberation!

VisitGuernsey is asking island retailers to step back in time and celebrate the island’s priceless freedom.

Islanders and visitors will be able to vote for their favourite, by post or online, with prizes for both the winning shop/office window and one lucky voter. Guernsey jeweller Becky Rowe will be handcrafting a very special bespoke vintage themed trophy, which will be awarded to the business that scoops the top vote. VisitGuernsey will be supplying all participating retailers with posters to promote the competition and encourage people to vote, along with voting postcards and window stickers.

This year we celebrate the 70th anniversary of the freedom of the Channel Islands from German occupation and VisitGuernsey is encouraging all islanders and visitors to get caught up in liberation fever and needs your help. VisitGuernsey is working in partnership with Jersey Tourism to stage the Channel Islands Heritage Festival from Friday 3 April to Monday 11 May. The festival will showcase the very best of Guernsey’s unique and amazing history with hundreds of events taking place across all the islands during the five-week event. The hope is that all island retailers will get involved. In conjunction with Collaborate Communications, VisitGuernsey is staging a Heritage Festival themed window display competition. We want shop owners and local businesses to capture the spirit of the island’s history in imaginative and fun, colourful and thought-provoking displays that will transform both St Peter Port and out of town shopping areas. Put the flags out or use red, white and blue stock for your display, borrow props with a wartime theme to take your windows back in time or use imagery to evoke memories of the Occupation and liberation. You could

Banners and flags will hang from each of the lamp posts along St Peter Port’s seafront and Guernsey flag bunting will be hung between them, creating a real festival atmosphere in the capital. Visitors at both the airport and harbour will be greeted with information about the Heritage Festival and there will be fun, interactive competitions run throughout the five weeks. The Heritage Festival is a real celebration of a group of small islands with a big history and includes all the Channel Islands with Alderney, Sark and Herm getting involved too with events devised specifically for the festival. Each has its own unique story to tell. Festival events include access to the, never been seen before, secret tunnels under

Castle Cornet. The St Peter Port landmark will also play host to HistoryFest: Travels in Time, over Easter weekend, and Hafenschloss offering a taste of wartime island life, as well as a unique mountain biking race which will see participants cycle down the granite steps and cobbled slopes of this famous fortification. For a more unusual perspective on our past, take a kayak tour that explores the heroics of Guernseyman and member of the Royal Hampshire Regiment, Hubert Nicolle, sent back to Guernsey under the cover of darkness at the outbreak of the Occupation to gather vital information. Explore our wartime defences, take a guided coach, cycling, boat and walking tours, learn more about the history of local cider producing and, of course, celebrate Liberation Day. Our past is woven into its present so let’s celebrate what makes our islands so special. For day-to-day listings outlining what is happening through the festival on each island, go to visitchannelislands.com. For the most up-to-date information about all the Heritage Festival go to visitguernsey.com For more information about how to enter the Channel Islands Heritage Festival window display competition contact Collaborate Communications on (01481) 715222, or email julie@collaboratecommunications.com.

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T 740843 E michele@profileevent.co.gg W www.profile.co.gg

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P EO PLE

Ali Renouf, Deutsche Bank Ali is the new CEO of Deutsche Bank International Trust Co Limited. Ali has significant specialist international trust experience and has helped the organisation develop several key client relationships. She also acts as the global market team partner for Deutsche Bank’s Europe, Middle East and Africa team. Andreas Tautscher, chief country officer in the Channel Islands, commented: ‘Ali’s understanding of the international trust arena is second to none. I am delighted that someone who has played such a fundamental part in the development of Deutsche Bank’s trust business is now taking up a more senior position to guide the business to further success in the future.’

Emma Cleal, Sam Parish and Nic Joyce, Create Three young architects have received their qualification and certificates of registration as architects from the Architects Registration Board (ARB). Nic attended Falmouth College of Art and the University of Wales in Cardiff where he attained Bachelor of Science and Bachelor of Architecture degrees. Emma has returned to Guernsey following two years working for PRP Architects in Surrey and London. Her experience includes leading a variety of large-scale housing projects. Sam studied architecture at the University of Bath where he also worked for a local architectural practice. James Barker, Create’s design director said:

Fiona Sarre, Julie Loveridge and Kersley Goinden, Offshore Accounting company Offshore has taken on three new staff to accommodare growing demand.

Richard joins as a web developer, with over seven years’ industry experience. He previously worked as a 3D animator and also spent a period teaching English in Japan. Chris joins as a creative designer. Originally from the North-East of England, Chris has been in the creative industry for 17 years.

Fiona is appointed as client account manager, Julie Loveridge as relationship manager and Kersley Goinden as a trainee accountant.

’We have a fantastic mix of creative and web developers working at the agency. This ensures communication for all our clients is harmonious across the physical and digital environment.’

A dispute resolution and litigation specialist, Jan’s promotion brings the total number of partners across the firm’s global litigation team to 12. Jan has extensive experience in offshore and investment fund litigation with an emphasis on complex multi-jurisdictional commercial, arbitration and regulatory matters. Before relocating to Cayman Jan practised in the London and Hong Kong offices of Freshfields Bruckhaus Deringer. Cayman Islands head of litigation, Michael Makridakis, said: ‘Jan is a highly regarded litigation lawyer who has an extensive and reputable case history in the offshore market.‘

‘We congratulate Nic, Sam and Emma. Our newly qualified architects will further deepen Create’s expertise.’

Richard Elliot and Chris Hodgson, Betley Whitehorne Image Betley Whitehorne Image has expanded its creative and web development departments with two new appointments.

Piet Whitehorne, creative director said:

Jan Golaszewski, Carey Olsen Jan has been made a partner in Carey Olsen’s Cayman office.

Paula Williams, GTA University Centre Paula is GTA’s new programmes manager. Paula brings 10 years’ experience in both the education sector and as a learning and development professional in the private sector. A specialist in tertiary training, in her new role, Paula will identify and implement training programmes that meet the needs of the Guernsey economy, with a particular focus on the financial services sector.

Managing director Will Morgan said: ‘The business industry in Guernsey is extremely varied and our company focuses on offering accounting solutions in response to a variety of issues. Our three new appointments will each bring a range of experience with them that will perfectly complement our existing skillset. This is an exciting time.’

Simon Le Tocq, deputy chief executive said: ‘It’s rare to find someone with such relevant tertiary education experience who has also spent time working in finance. Paula will join our team of highly experienced programmes managers committed to delivering a range of courses which meet the growing needs of Guernsey businesses.’

FINANCIAL REPORTING MANAGER (permanent)

COMPANY SECRETARY (permanent)

This role involves accounting and reviewing the bookkeeping for a range of funds, management companies and associated fund structures. Two to three years’ post qualification experience and a relevant professional qualification (ACCA/ACA) are required.

A fund management business is seeking an experienced company secretary with fund experience, to ensure the accurate and timely reporting to the board and the Guernsey registry for all company secretarial matters.

For further information on these positions please visit www.

P E OPLE

John Connolly, Elian Group John is Elian’s new group chairman as the company looks to realise its ambitious growth plans. Formerly global chairman and global managing partner of Deloitte, John has unrivalled experience in professional services as a result of a long and distinguished career spanning 44 years in the industry. Elian CEO Paul Willing said: ‘John’s financial services experience is second to none and his skills and knowledge will be a major boost to Elian. With our ambitious growth strategy, we are committed to building a strong global business, consolidating our presence in existing markets and expanding into new markets.’

Justine Mallett and Mark Thomson, Investec Investec has appointed Mark as its new head of treasury and Justine as senior business developer. With 22 years’ trading experience, Mark will be responsible for the day-to-day running of the treasury department, and delivering foreign exchange services. In her new role, Justine will focus on growing the UK resident non-domiciled segment of the business and promoting the bank’s banking and wealth management services. Stephen Henry, head of Investec Private Banking commented: ‘Mark is keen to enhance what we currently do, working closely with our clients to provide a more integrated service. Justine will be a fantastic asset helping us grow the UK resident non-domiciled offering.’

Charlie Roger, Ravenscroft Charlie has been appointed chief executive officer at Ravenscroft Limited has also joined the board of the stockbroking and investment management company. He is a Chartered Fellow of the Chartered Institute for Securities and Investment and holds the Diploma in Company Direction. Jon Ravenscroft, group chief executive officer is delighted to have Charlie on the team: ‘Charlie is a well-respected individual with a proven track record within the local wealth management industry. His extensive experience will be a valuable addition to the group, both at board and management level, and we look forward to working with him to further strengthen our growing position in the local marketplace.’

Dean Winsall and Graham Brook, RG Falla Dean has been appointed company director and Graham has been promoted to joint managing director. Graham began his construction career with RG Falla in 1986. He followed the company’s comprehensive training programme covering all aspects of construction. Dean began his career as a quantity surveyor in the UK working on various construction and civil engineering projects before moving to Guernsey and joining RG Falla in 2001.

Willam Mason, International Association of Insurance Supervisors William, who is Guernsey Financial Service Commission’s director general, was elected to the board of the IAIS at its annual conference.

Martyn welcomed the two additions to the team:

Chief executive Andy Hall said:

William is looking forward to the new position:

‘Mick and I have known each other during the whole of our working lives and I am delighted that we are working together. With Julie also having joined, our team is very well placed to rise to future challenges.’

‘It is fantastic news for the company to be able to make these appointments. Graham and Dean bring huge competence and experience to the board and they are hugely respected by clients and colleagues alike.’

Mick Marley and Julie Le Page, Martyn Guille Silversmiths Mick (pictured right) and Julie have joined Martyn Guille Silversmiths both moving from Maubrook jewellers. Mick is an experienced engraver and his appointment will enable Martyn to focus on the jewellery-making side of the business. Julie will be assisting Martyn on the shop floor, and bringing her knowledge of both retail and the jewellery business to the company.

The IAIS represents insurance regulators and supervisors from more than 200 jurisdictions. It aims to promote effective and globally consistent supervision of the industry to develop and maintain fair, safe and stable insurance markets for the benefit and protection of policyholders.

‘I look forward to serving on the committee ensuring that the perspectives of smaller countries are appropriately considered and working to ensure that the IAIS delivers fair and proportionate insurance regulatory standards.’

PARALEGAL (permanent)

TRUST OFFICER (permanent)

A leading law firm is looking to recruit a paralegal to join its property department, to provide effective support to lawyers in relation to all property matters. Applicants should ideally have some legal experience and be educated to A’ level or degree standard.

As trust officer you will provide a professional service to a portfolio of companies and trusts. Applicants should have at least three years’ experience, be educated to A’ level standard and hold a professional qualification (e.g. CIFA/STEP).

situations.gg, email team@situations.gg or call us on 710639

C H AM B ER A NNUA L DINNE R

A great night had by all

Chamber’s annual dinner was another great success. Another sell-out event, the annual Chamber dinner continues to be a popular social and networking event for the local business community. Proceeds this time went to Walking With The Wounded (WWTW).

of the trek team, Major Kate Philp and Captain (Retd) Ibrar Ali MC – both of whom had suffered life-changing injuries while on active service – joined Richard on stage for questions on the challenges they faced to complete this amazing feat.

Guests were treated to an inspiring presentation by guest speaker and WWTW trustee, Richard Eyre CBE, who spoke of his trek to the South Pole. Two other members

The Anvil Award for outstanding contribution to Chamber was presented by president Tony Rowbotham to Martyn Dorey who heads up Chamber’s finance legal and

tax sub group. Chamber would like to thank all the event sponsors Cazenove Capital Management, Joy’s Production Services, Price Bailey Chartered Accountants and also The Guernsey Event Company for making the evening such a fantastic success. Here are a few memories of the event thank you Chris George.

CH AM B E R AN N UAL D I N N ER

CHAMBER NEWS Coming up in 2015… Chamber is organising a number of events over the next few months to assist and support members and non-members alike to develop marketing and other business skills, network effectively and share ideas and issues with other business professionals. Grant Thornton breakfast seminar series Chamber is delighted to confirm that following the success and popularity of last year’s Grant Thornton breakfast seminar series, a second programme of events is being run this year. The first seminar is scheduled for early February and this will be followed by a series of further events held at three-weekly intervals. Topics that will be covered include: • Cyber security • Social Media • Retail

• Personal effectiveness at work • Marketing and branding • PR and communications

please contact Barry Cash by email barry.cash@guernseychamber.com or by telephone 727483.

The seminars will be facilitated by experts in all subjects to be covered and will represent a range of local business sectors. Discounted rates will be available for multiple bookings.

Chamber drop-ins Chamber would love members to pop into the offices on Glategny Esplanade for a chat. Or if you aren’t a member but would like to find out a bit more about the benefits of membership, our door is open. No appointments necessary.

Business focus groups As one of its new initiatives, Chamber is running two business focus groups in January aiming to identify key issues inhibiting local business growth. Members are invited to introduce their own discussion points, issues and ideas to the table. These sessions which are free of charge. Details are as follows Wednesday 14 January 8am – 9am Thursday 15 January 12.30pm – 1.30pm To register your interest to attend,

Drop-in sessions are planned for the first Wednesday of every month from 11am to 1pm, starting on 4 February. We look forward to seeing you. Date for your diary Chamber is organising a tour of the Mayside re-cycling facility. This will take place on Thursday 29 January. Visit www.guernseychamber.com-events for full details on all these events.

Chamber has a number of sub groups that meet regularly to discuss issues relating to specific topics. Creative industries

Jay Aylmer

Energy and waste

Rupert Dorey rupertdorey@mac.com

Finance, legal and tax

Martyn Dorey martyn.dorey@doreyltd.com

Hospitality and tourism

Luke Wheadon luke@bellalucehotel.com

ICT

Marc Lainé marc.lainé@c5alliance.com

Land and planning

James Barker james@create-architecture.com

Population

David Thompson

jay@thepottingsheddesign.com

dejthompson@gmail.com

Retail

Tony Rowbotham tony.rowbotham@montagu-evansci.com

Small business

Barry Cash barry.cash@guernseychamber.com

Transport

Barry Cash

barry.cash@guernseychamber.com

Join Chamber today the voice of local business

Business support; networking events; business advice; business events; liaison with States departments; new interactive website. Email: office@guernseychamber.com Tel: 01481 727 483

www.guernseychamber.com

@GuernseyChamber

GuernseyChamber

CH AM B E R N E WS The event offers a unique opportunity to be inspired and explore the future of creative industries in the islands. The speakers make an impressive line up. Stefan Sagmeister Sagmeister & Walsh

Let’s get creative… Supported by Chamber, the 2015 Creative Symposium will take place on Friday16 January at Beau Sejour. This annual event celebrates the value of emerging creative industries within the wider commercial landscape across the Channel Islands and beyond, through a series of presentations and discussions by international creative speakers who are globally respected in their disciplines.

From Grammy nominated CD covers for the likes of The Rolling Stones, Lou Reed and David Byrne to the rebranding of the Guggenheim Museum, Stefan Sagmeister’s roster of clients both past and present is nothing short of phenomenal. His New York studio’s painstaking attention to the smallest of details creates work that constantly entertains and enchants audiences around the globe. Sagmeister’s influence on the culture of design over the past decade cannot be overstated. Joachim Sauter Art+Com German media artist Joachim Sauter graduated from the academy of fine arts in Berlin. He has focused on digital technologies and how they can be used to express content, form and narration. Fuelled by this interest, he founded Art+Com in 1988

together with a collective of artists, designers, scientists and technologists. A true creative pioneer and recipient of the ‘Golden Lion, Cannes’ and the ‘D&AD Black Pencil’, his work for clients such as BMW, Deustche Bank and 02 has both pushed and blurred the boundaries of art and design. Christos Passas Zaha Hadid Architects Christos Passas is an associate director at the one of the most influential and innovative architecture practices in the world, Zaha Hadid Architects. He was the project director and lead designer for numerous projects and has won competitions worldwide. Christos has also led the Design Research Lab unit with Patrik Schumacher at the Architectural Association in London, and has been guest professor at the DIA (Bauhaus) in Germany for many years where he founded StudioX, a digital design and algorithmic experimentation laboratory. For full details and to book your place, visit www.learncreateproduce.com

B us i ness Di ar y

Coming up… A few key business events for your diaries Date

13 Jan 16 Jan 19 Jan

Event

Time

Venue

Booking / Information

Rise and Shine networking breakfast

0745

Muse

www.riseandshineci.com

Learn Create Produce 2015

1000 -1700

Beau Sejour

www.learncreateproduce.com

OGH Hotel

events@guernseychamber.com

Chamber monthly lunch 1200 - 1400 Patrick Rice Head of law enforcement

29 Jan Start Up Guernsey and Rise and 0745 - 0900 i2Office www.riseandshineci.com Shine speed networking 29 Jan Recycling tour and social event 1800 Various events@guernseychamber.com 4 Feb First Guernsey Chamber drop-in 1100 - 1300 Chamber office events@guernseychamber.com 6 Feb Guernsey Awards for Achievement 1800 - 2315 Beau Sejour events@guernseychamber.com 17 Feb Rise and Shine networking breakfast 0745 Muse www.riseandshineci.com 16 Feb

Chamber monthly lunch 1200 - 1400 Paul Whitfield Chief executive States of Guernsey

OGH Hotel

events@guernseychamber.com

If you would like your event included in our diary please email details to editor@collaboratecommunications.com

S AB O O HI FA MILI

Saboohi Famili and her vision for a college with no walls

S AB O O HI FA MILI

Saboohi Famili is the recently appointed principal and chief executive officer of the Guernsey College of Further Education (GCFE). She took up the post in June 2014, moving to Guernsey from the UK where she had spent 15 years in the education sector. Already a big fan of the island, Saboohi is thoroughly enjoying living in Guernsey as well as the new role and the challenges that it presents. ‘GCFE is a real success story. It has an incredible 90-year history, having been offering such a diverse range of courses to the island’s population, not only for the 14 to 16 year olds but also to adults through the programme of evening classes available. ‘The apprenticeship programme is a flagship for the college offering many youngsters pathways to employment. I am also extremely lucky to have inherited a great team of staff who share a common goal and who are all totally committed to delivering top quality alternative education to islanders.’ Both stimulated by the challenges ahead as well as a little frustrated by the (lack of ) speed of the public sector decisionmaking process, Saboohi has clear vision and exciting plans for the college’s future and its role within the island’s community.

Saboohi’s appointment in itself is indicative of an appetite to change. While she is clearly chomping at the bit to make things happen quickly, she is very aware that she needs to have the buy-in from a number of stakeholder groups. ‘I am very excited about what lies ahead but I realise that I cannot just have a vision and run with it alone; I need to enable others to see and understand the vision and bring them with me in the change process. ‘It has been a little difficult understanding how things get done here, particularly when I have been used to roles where I could take an evidence-based proposal to a board for an immediate decision. Having to wait three months or more for things to be considered by a number of committees and sometimes the States can be frustrating. Having said that I love the island and all that its lifestyle offers and I am confident about the potential that the college can achieve in the future and very excited about the projects that are already underway.

‘We are also in a transitional phase in terms of our relationship with the Education Department. The department is gradually devolving responsibility for the management of its educational institutions to the institutions themselves and GCFE is the first – so we are, to some extent, paving the way.’ The new operational platform is not fully in place yet but changes are already being made as Saboohi explained: ‘Our board of governors was appointed last January. The plan is that it will establish an operational framework with the Education Department as well as an ‘outcome agreement’ so that it is clear to all parties what it is expected to achieve. The third element of the new operational platform will be an agreed funding methodology. At the moment there is no ‘bottom-up’ budgeting process. Instead the Education Department allocates funds – a system that is not ideal and therefore needs to be reviewed. ‘Some of these changes will need States’ approval and therefore, being realistic, I

S AB OOH I FAM ILI

would say that it will be another 12 months before the new system is fully operational.’

Unsurprisingly, technology is a key component in Saboohi’s plans.

That doesn’t mean to say that the governors aren’t already making valuable contributions to the college.

‘My vision is ‘a college without walls’. Students should be able to access learning aids, tuition and other educational tools anytime, in any place and at any pace. Adopting progressive technologies should give them access to world-class teaching through Skype, Google and many other channels now available at surprisingly low cost.

‘We are extremely lucky to have an incredibly diverse range of individuals on the board,’ said Saboohi. ‘Educationalists, business professionals, politicians and the legal sector are all represented bringing different skills-sets to the party. We are also in the process of carrying out a skills analysis of the board to identify any gaps that might exist so that they can be filled by new candidates if required.’ Saboohi aims to bring the GCFE up to a level of being a world-class provider of education and is confident that this is a wholly realistic goal. ‘There is clearly a lot of work to be done but the college is educating students who will be tomorrow’s workforce. It is essential that we provide them with the skills they need in order to face the challenges of a changing employment market. People no longer stay in the same job for decades but will have a number of roles over their career. Our students need to ‘learn how to learn’ as well as developing specialist subject knowledge. Their ability to learn quickly and adapt to new and changing situations will be the key to their success. Any educational institution should have ‘employability’ at the heart of its teaching strategy.’ One of the first major projects Saboohi is undertaking is a complete review of the curriculum. Holding an event entitled ‘Today Tomorrow Together’ was the first step towards developing a collaborative approach to the review of the college’s future role and educational offering. Following this event, business leaders and industry representatives have been invited to give feedback, on what their respective sectors need in terms of skills and knowledge. ‘We have had some excellent feedback which is absolutely essential to ensure that the college delivers what the island’s economy needs,’ said Saboohi.

My vision is ‘a college without walls’. Students should be able to access learning aids, tuition and other educational tools anytime, in any place and at any pace. ‘Our infrastructure needs substantial investment. I don’t necessarily mean ‘end user kit’ but the functionality of what we can deliver. We live on an island where local businesses are operating in a global market place and dealing with a plethora of time zones on a daily basis and they do so with relative ease. With similar functionality we can really push the boundaries in terms of what we can achieve. Even simple things like a review of our firewall policies will help enormously. As a government department we have extensive online security, which is probably totally appropriate for Policy and Resources or the Income Tax Departments. But a college has quite different needs.’ Saboohi has already started the process. ‘We have invested in some online resources that are currently being piloted by colleagues both inside and outside the classroom. The aim is that once the curriculum review is complete, a number of these will have been fully trialled and we

will already be in a position to identify those that we feel can deliver tangible benefits within a Guernsey context. ‘The college’s increased use of technology will be based on a three-pronged approach. First ensuring that people (i.e. the users) have the knowledge to deploy any resource fully and with the confidence in their own ability; secondly making sure that our hardware is ‘fit for purpose’ – not necessarily the latest or fastest equipment but equipment that is appropriate to fulfil our needs; thirdly reviewing our own management systems. By this I mean that we must be in a position to be able to measure how affective any new technology is. The metrics must be in place to identify the return on any investment made. What has the impact been on learning? What effect has technology had on the quality of teaching? What changes has technology made on the management and leadership of the organisation?’ One challenge for Saboohi, in terms of measuring improvements she aims to make, is establishing the position of the college today particularly in relation to other organisations. ‘We can’t claim to be ‘world-class’ without benchmarking ourselves against other colleges. But this in itself is not straightforward. We cannot compare ourselves with UK colleges since they are all in highly competitive environments whereas we are the sole provider locally of many of the educational programmes we offer.’ Unsurprisingly from someone with the drive and ‘can do’ attitude that Saboohi exudes, she has found a potential solution. ‘I contacted the principals of both Highland College in Jersey and the Isle of Man College of Further Education. Coincidentally they are both also new to their posts and to their respective island so are facing similar challenges. We have agreed that a collaborative approach will benefit all of us and so have identified four areas where we will benefit from working closely. ‘Continued professional development (CPD) and peer review – we will identify joint CPD opportunities where we can perhaps bring someone into one island and share the expense and the benefits;

S AB O O HI FA MILI

equally our respective teaching staff will be offered the opportunities to observe each other and offer constructive feedback. ‘Data sharing – we will compare student and college performance in areas such as student retention, results, and engagement levels. This will help us measure improvements in the future. It will also mean that future decisions and planning will be based on robust data rather than anecdotal evidence. ‘Student exchange programmes – these will be incredibly valuable. Travelling away from the island alone for the first time can be quite daunting but it offers fantastic life skill opportunities and new perspectives. It will also offer the opportunity for students to have work placements with different employers. ‘Leadership exchange – being at the top of any organisation can be lonely place. So having a forum enabling the three of us to have open frank discussion, exchange ideas, compare problems and issues will be of great benefit. We have all joined in an environment of austerity having to do more for less and do it better. Equally we are all new to island life and the pros and cons this presents. Working together can only help us all.’ Faced with some significant challenges in the new role, Saboohi sees collaboration and a cohesive approach to be essential if she is to succeed in delivering what she has been asked. This goes beyond working with the other islands but starts a lot closer to home. She explained how local tertiary education is funded by five different States departments. Education funds GCFE;

‘I am very excited about what lies ahead but I realise that I cannot just have a vision and run with it alone; I need to enable others to see and understand the vision and bring them with me in the change process.’ HSSD funds the Institute of Health; Home Department supports prison education; SSD funds unemployed education and Commerce & Employment funds the Guernsey University Centre. ‘This is so fragmented,’ said Saboohi, ‘and potentially very confusing for the students, for businesses, for employers and the public. There must be efficiencies to be made from streamlining the budgeting and financial management processes. We must be able to deliver a more streamlined service by taking a more ‘joined up’ approach and creating a proper combined strategy. Our aim should be to ensure that public funding is used to its full potential.’ Saboohi isn’t waiting for local political structures to change. Instead she has approached all of the various stakeholders and opened discussion on how best they might work together.

succeed. A cursory glance at her cv is enough proof in itself. Born and educated in Iran, she trained as an electrical engineer and doggedly pursued a career there until she had to acknowledge the restrictions she was facing inherent to an Islamic state required her to take a different route. ‘I was a non-conformist and stubborn. Even when the rest of my family left the country, I stayed, believing that if everyone left Iran, the country and its attitudes would never change. But eventually I followed the rest of my family and moved to London in 1999.’ In the UK Saboohi followed a career in the education arena – first teaching engineering and then moving into education management. She was often called upon by government to give her views on educational policy changes and was involved with a US funded project to deliver educational tools to combat zones during recent conflicts.

‘It’s a question of capability, capacity and flexibility. For example I have resources at the college – 200 staff, classrooms and a catering school. The GTA has specialist expertise in certain areas. A cohesive shared approach to tertiary education delivery has to be the way forward to ensure that the island has a future workforce appropriate to what our economy needs. It’s very easy to be introspective and protective of our own space and areas of activity but this is not the way ahead.’

And as if work challenges weren’t enough, Saboohi’s choice of sport is high altitude climbing. Hitting 40 a few years back she determined to complete the seven summits before reaching 50. Four have already been conquered - Kilimanjaro, Aconcagua, Elbrus, Mont Blanc – and only a knee injury has slowed her progress down. Her next climb is a 8,000m ascent of Cho Oyu on the Tibet-Nepal border in preparation for Everest.

That Saboohi is an achiever is beyond doubt and while significant organisational change is never easy to deliver, given our innate human resistance to it, she certainly has the expertise, drive and life experiences to

Her goals for GCFE and the island’s tertiary education offering are ambitious to say the least. On meeting her you are left with the impression that this is one mountain she will successfully climb.

Wealth Management in the Channel Islands At Rothschild, we provide a comprehensive range of wealth management services to some of the world’s wealthiest and most successful families, entrepreneurs, charities and foundations. Wealth preservation is at the heart of all we do and we advise on and manage our clients’ money as if it were our own. As an independent firm, we invest the time to understand our clients’ needs before offering objective and honest advice. We buy assets for our clients and are not in the business of selling products to them. This ethos has shaped our business for over 200 years, across seven generations of Rothschild family involvement and ownership. Today, with over 500 wealth management professionals, we have the scale, resources and intellectual capital to deliver, while still being able to provide a personalised service. Our experienced client team in Guernsey is part of the broader Rothschild network. This global network includes specialist corporate financiers and Rothschild family members as well as leading commentators and decision makers. We are part of Rothschild, one of the world’s largest independent financial advisory groups. There are four main arms to the Rothschild Group: Global Financial Advisory, Wealth Management & Trust, Institutional Asset Management and Merchant Banking. Discretionary Portfolio Management At Rothschild, we invest with conviction. In an industry dominated by short-term market movements, we stand apart. Our investment philosophy is built around real wealth preservation and we have developed an approach that helps us to preserve clients’ capital, smoothing returns and dampening risk across the market cycle. We have the freedom to work with the world’s best fund managers and investment houses. This allows us to make decisions impartially and to focus on generating the best returns, driven solely by what is in our clients’ interests. When investing, we seek to be sensible custodians of capital. We tend to be cautious when others are confident, and confident when others are cautious.

For more information, please contact:

Barrie Duerden Director Wealth Management +44 (0)1481 705115 barrie.duerden@rothschild.com Address: St Julian’s Court, St Julian’s Avenue St Peter Port, Guernsey GY1 3BP, Channel Islands

WAEALT NAGE ME NTE F O CHU MA S ON F INA NC

The big picture Earnings and valuation in 2015

Kevin Gardiner, Rothschild Wealth Management, explains how the many possible outcomes for 2015 boil down to four permutations of earnings and valuations. With so many different scenarios being tipped for 2015, it is easy to lose focus. Bringing things back to basics can help organise our thoughts, and that is what the graphic shown right is designed to do. The returns on most balanced portfolios are largely driven by growth-related return assets. These are typically the largest and most volatile holdings. Their performance will, in turn, be driven ultimately by just two things: the level of income they generate and the valuation put on that income by the market. Income – typically, in the form of earnings or dividends – is linked to the macro outlook: if economies get bigger, corporate profits can share in that growth. Valuations can be related to interest rates – higher rates can drive earnings and dividend yields up, and valuations down – but also to general investor confidence and risk appetite. All of the many and varied outcomes under

discussion for 2015 can be broken down into what they might mean for these two key variables: will income and/or valuations rise or fall? The uncertain future thus boils down into four basic permutations only, shown in the graphic.

warily, and valuations fall.

In the two mixed outcomes, income and valuations move in opposite directions. In one, a fall in earnings is seen as temporary, and gets the benefit of the doubt as relaxed investors accept the higher valuations it brings.

In the outcomes in which income and valuations move in the same direction, the portfolio implications are clear: higher income and valuations together push returns up, and lower income and valuations pull them down. In the mixed outcomes, returns depend on whether income falls by more than valuations rise, and vice versa. The dotted line illustrates combinations in which the two changes exactly cancel each other: the area to the right of it is one in which returns are positive, and the area to the left is one in which they are negative. This approach is complete – the four outcomes exhaust the possibilities on offer (though see the inset box) – and it side-steps the need to spell out in more detail the many different macro combinations and permutations underpinning more conventional scenario analyses.

In the other, a climate perhaps of nervous reflation, higher earnings are treated

For example, rising interest rates can coexist with both lower and higher

We might describe the outcome in which economies grow and optimism breaks out as the best of both worlds: income and valuations would both be higher. At the other extreme, a recessionary 2008-type episode, in which scared investors are less willing to hold return assets at any given level of corporate profits, would see both income and valuations fall.

WAE ALT H M E NT F OCU S AN ONAG F IENM AN CE

A F O C U S ON F INA NC E

The Big Picture in 2015

and earnings: the four possible outcomes for return assets in 2015 in theValuations Channel Islands

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Valuation

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best of both worlds Growth boosts earnings, and more optimistic investors push valuations higher

2008 redux Earnings fall, and investors worry about renewed recession/crisis valuations fall

Nervous reflation Growth boosts earnings, but wary investors value stock more cheaply

Income (earnings, dividends)

Benefit of the doubt Earnings fall but investors view it as temporary and choose to “look across the valley” - valuations rise

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Our ‘muddle through’ scenario is consistent with higher earnings broader Rothschild network. This global network includes bers as well asand leading commentators and decision makers. an unchanged dependent financial advisory groups. There are four main arms valuation - a position on lth Management & Trust, Institutional Asset Management and the borderline between ‘best of both worlds’ and dominated by‘nervous short-term market movements, we stand apart. reflation’

nd our clients’ needs before offering objective and honest business of selling products to them. This ethos has shaped our Rothschild family involvement and ownership. Today, with over e, resources and intellectual capital to deliver, while still being

ealth management services to some of the world’s wealthiest d foundations. Wealth preservation is at the heart of all we do were our own.

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reservation and we have developed an approach that helps us ening risk across the market cycle.

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nd managers and investment houses. This allows us to make t returns, driven solely by what is in our clients’ interests.

pital. We tend to be cautious when others are confident,

valuations on risk assets, depending on the context. If strong economic growth is responsible for driving rates up, investors may decide to value stocks more cheaply (as in the ‘nervous reflation’ outcome), or choose instead to value stocks more highly (as in the ‘best of both worlds’); conversely, falling interest rates are no guarantee of higher valuations in a d.com 2008-type context, but could be in the , St Julian’s Avenue ‘benefit of the doubt’ outcome. GY1 3BP, Channel Islands Similarly, there is no rigid link between (say) interest rates and valuations on the one hand and income on the other. In a

low-inflation world, we can imagine arriving in the top-right quadrant because monetary conditions stay loose, favouring higher valuations, even as economies grow. In a high-inflation world (remember that?), we can imagine monetary conditions having to stay tight even in a recession, which would depress valuations.

prognosis is consistent with any number of permutations of these and other variables, but its key components are a belief that profits will continue to rise – likely led by the US – and that valuations are not particularly high and don’t need to fall, even as US and UK interest rates are seemingly poised to rise.

We do not make precise predictions for growth, interest rates or market levels because we know just how fallible – and misleading – such forecasts can be.

This would place us somewhere on the border of the ‘best of both worlds’ and ‘nervous reflation’ quadrants in the graphic – firmly to the right of the gain line, though we think of this as a reasonable expectation, not a forecast.

Our ‘muddle through’ or ‘glass-half-full’

A fifth dimension? Technically, both investment income09/12/2014 and valuation might stay exactly the same in 2015, adding a fifth possible outcome – a point at 12:19 the exact intersection of the quadrants – to the four we identify. Prices would then also be unchanged of course. It would be highly unusual for that to happen (though some of us might welcome a rare pause for breath), but just in case it does we should perhaps think of the graphic not so much in terms of the calendar, but rather in terms of the next significant development in markets that lies ahead, whenever it happens.

Our clients are at the centre of everything we do What we can do for you Kleinwort Benson provides advice across the whole spectrum of family wealth, whether held corporately or privately. In line with merchant banking tradition, we provide financial services to individuals, family offices, and private companies, as well as asset and wealth management services, advice on capital markets, real estate and provide infrastructure and management solutions.

Private Wealth Management We are able to offer you solutions at every stage of your wealth cycle including the best ways to preserve and pass on the wealth you have created.

Contact Oliver Edwards T +44 (0) 1481 752551 E oliver.edwards@kleinwortbenson.com www.kleinwortbenson.com

Trust and Fiduciary We work with clients all over the world, putting in place structures to hold and protect wealth.

Kleinwort Benson is the brand name of Kleinwort Benson (Channel Islands) Limited, a Guernsey registered company, registration number 52103, Kleinwort Benson (Channel Islands) Investment Management Limited which is a company incorporated in Guernsey with company number 59377, Kleinwort Benson (Guernsey) Trustees Limited, a Guernsey registered company, registration number 3333 and Kleinwort Benson (Channel Islands) Fund Services Limited a Guernsey registered company, registration number 6946. Their registered offices are at Dorey Court, Admiral Park, St Peter Port, Guernsey GY1 2HT. Kleinwort Benson is regulated by the Guernsey Financial Services Commission for Banking, Investment and Fiduciary services. Telephone calls may be recorded.

WAE ALT H M E NTE F OCU S AN ONAG F IENM ANC

Investing is about buying risk for the potential of making returns in the future Everything centres on the quality of risk taken. Mouhammed Choukeir of Kleinwort Benson explains

But what is risk? And how does one take high-quality risk? Risk, in the most typical quantitative sense, is defined as the variance or standard deviation of a portfolio. Yet this somewhat sterile definition does not quite capture what risk is. A quick Google search leads to a more textured definition: risk is the potential of loss resulting from a given action – or even inaction. For investors, this simply translates into the potential to lose money. Ironically, not taking risk at all is the surest way to lose money. This can also be thought of as having no aim other than capital preservation. An investor wishing only to preserve capital can start with £100 and simply do nothing. The notional £100 will be returned at the end of any and every investment horizon, and while capital has indeed been preserved, money, more specifically purchasing power, has been lost due to the compounding and corrosive effects of inflation. And inflation is indeed to be feared. Annual inflation between 1900 and 2013 was 4.1% in the UK. At that rate, in five years, today’s £100 would buy £85 worth of goods and services. It would be worth half as much in as little as 17 years. Disciplined investment process Therefore, a primary investment objective – even for the most conservative saver – should be to preserve purchasing power in the long run. Investors should, at a minimum, aim to ensure that £100 saved today will buy the same basket of goods and services when it is spent in the future. Therefore, in this context, risk taking is necessary to avoid losing money. Attractive risks adequately compensate investors; unattractive risks do not. Herein lies the rub. In order to maximise the chances of taking attractive risks, a disciplined investment approach is

required. At Kleinwort Benson, our investment doctrine is based on the three core tenets of valuation, momentum and sentiment. First, invest in assets when they are cheap and avoid them when they are expensive. More than any other measure, the price paid for an asset is the chief determinant of whether future returns will be good or bad. The price of your risk taking is at its highest – or potential return is at the lowest – when overpaying for an asset. This simple philosophy is true for every asset class across all geographies and time horizons, yet can be (and is) easily forgotten in the heady rush of animal spirits.

Investors should, at a minimum, aim to ensure that £100 saved today will buy the same basket of goods and services when it is spent in the future. Therefore, in this context, risk taking is necessary to avoid losing money. Take equities for instance; when price-tobook ratios are cheap (between 1.1x and 1.5x), investors receive average annual real returns of 22% over the following five years. However, when investors – motivated by animal spirits – are willing to pay 2.3x the book value of equities (or more), average real return is 0%; it can be as bad – as minus 8%

per year. Price-to-book is just one measure of valuation; other valuation measures paint a similar picture. Second, participate in positive trends and avoid negative ones. Investing in asset classes and securities that are in positive trend is an extremely effective way to reduce risk. Compare a buy-and-hold strategy for global equities versus a momentum-based one between 1988 and 2013. The momentum strategy would more than double the return-to-volatility ratio and would also greatly reduce drawdown, peak to trough loss, from 56% to 24%. This is not limited to equities; momentum strategies reduce drawdown and/or volatility for bonds and commodities as well. Third, buy when investors are overly pessimistic and sell when they are overly optimistic. When a majority of investors rush to sell an asset (or asset class), it becomes ‘oversold’. Historical returns for equities, when oversold, rise 10% (on average) over the next 60 days. Moreover, they are positive 92% of the time over the same period. When equities are ‘overbought’, average returns plunge to minus 2.1%. Market sentiment is a key signpost for determining risk stance and asset positioning in all conditions, and particularly when assets are volatile. Where are we now? Over the coming weeks and months, many investors will undoubtedly be poring over economic fundamentals, trying to predict when rates will rise or surmising over the outcome of geopolitical events. This is short-term market noise. We remain focused on implementing our disciplined approach: investing in cheap and positively trending assets, especially when sentiment is overly negative. Those risks pay off in time.

WAEALT NAGE ME NTE F O CHU MA S ON F INA NC

Matchmaking at its best Julian Winser of Cazenove Capital explains the thinking behind the company’s recent merger with Schroders and why the transition and rebrand has been a painless experience

In July 2013 Schroders plc bought 100% ownership of Cazenove Capital Management. Schroders is a FTSE 100 listed company and is somewhere between the 60th and 70th largest publicly owned UK company. What makes it different to most, however, is the fact that it remains 47% owned by the tightly knit Schroder family. Cazenove Capital Management was the small private client and wealth management company that stayed independent after the acquisition of Cazenove plc by JP Morgan back in 2002. Both Schroders private bank, a subsidiary of Schroders plc, and Cazenove Capital Management had been in competition since 2002 and because of their similar corporate approach, ethics and service offering were often short-listed adversaries. The bringing together of Schroders and Cazenove Capital Management certifies the strength and integrity that have underpinned two great family businesses for more than 200 years, creating a leading wealth manager with a unique combination of strengths. In bringing together the two great names we decided to rebrand the wealth management division of Schroders as Cazenove Captial Management to differentiate us from the investment management division of Schroders. This differentiation is important as we remain, on behalf of clients, independent in terms of how we look after their assets. Despite this we benefit significantly from the worldwide expertise in investment that the Schroders group brings us. What has made a huge difference in making this merger so successful is the similarity in culture between the two organisations combined with shared values. These include putting the client first and the delivery of

excellence. The now merged business has clear strengths: Stability of ownership The Schroders family retains ownership of 47% of the voting shares in the company, founded in 1804. This gives us the stability to focus on the long-term aspirations of our clients.

The bringing together of Schroders and Cazenove Capital Management certifies the strength and integrity that have underpinned two great family businesses for more than 200 years, creating a leading wealth manager with a unique combination of strengths. Partnership with client Our significantly experienced team allows us the luxury of choosing the right individual for each client and their request whether it be for portfolio management, wealth planning, banking or treasury services.

Global investment and banking expertise We draw on the expertise of 400 investment and banking professionals from 37 offices and 27 countries. The client team has the flexibility to apply this unparalleled global knowledge to our service allowing us individual thinking for each client. Long-term excellent performance We have an on-going proven long-term performance record, while also achieving our clients’ objectives. Our Guernsey team has embraced the rebrand; not only has it been straightforward but also allows greater global experience without disturbing the infrastructure of the company. Supporting this year’s Chamber of Commerce dinner was a great opportunity, not only for us as a company, having the occasion to talk about our rebrand, but also the opportunity to support such a wonderful and humbling charity such as ‘Walking With The Wounded’. Cazenove Capital Management also had the pleasure of spending time with Captain Ibrar Ali, Major Kate Philp and Richard Eyre whilst they were in Guernsey. On the back of the Chamber dinner we invited Richard, Kate and Ibrar to present to the Guernsey team, the evening was a great success and a unique opportunity for our staff to be inspired by such amazing individuals. Looking towards 2015, Cazenove Capital Management will continue to provide a tailored approach through our clientfocused business, high quality advice, first-class administration and reporting. As a company we also endeavour to continue supporting the local Guernsey community, whist continuing to raise our profile in the Channel Islands.

The management of your wealth requires specialist investment expertise. Our private client team, supported by the global strength of the Schroder Group, has the knowledge and experience to help you. Call Matthew Sutton on 01534 848200 or email msutton@cazenovecapital.com www.cazenovecapital.com/ci

Cazenove Capital Management is a trading name of Schroders (C.I.) Ltd which is licensed under the Banking Supervision (Bailiwick of Guernsey) Law 1994 and the Protection of Investors (Bailiwick of Guernsey) Law 1987, as amended and it is also regulated by the Jersey Financial Services Commission. For your security, communications may be taped or recorded. L14019.

WAEALT NAGE ME NTE F O CHU MA S ON F INA NC

What next for Japan? Justin Oliver, of Canaccord Genuity Wealth Management, takes a look at the Japanese market

It is the time of year when predictions are made; when commentators confidently forecast which assets and markets will perform particularly strongly in the coming months. It is also the time of year when, as a result, the Japanese stock market historically enjoys a surge in popularity. Ignoring the impact of currency movements, Japanese equities have enjoyed a pronounced renaissance. In local currency terms the Nikkei 225 rose 23% in 2012, surged a further 57% in 2013 and to 30 November 2014 gained an additional 7%. Since 2011, the Nikkei 225 has actually outpaced the US S&P 500. However, unless foreign investors had taken the decision to negate currency movements, they have not fared anywhere near as well because the Japanese yen has been in free fall. At the end of November 2011 US$1 bought ¥77.62. Three years later US$1 bought ¥118.63; a depreciation of 52.8%. It is this depreciation that has helped boost the price of Japanese assets and was one of the intended consequences of Prime Minister Shinzo Abe’s so called ‘Abenomics’. In another attempt to restore growth to a structurally crippled economy, Abenomics consists of three ‘arrows’ namely: monetary reflation (pumping vast quantities of yen into the economy); fiscal stimulus/consolidation (broadening the tax base and ensuring government policies support growth); together with the suitably vague structural reform. This last arrow is a catch all for anything which might be presented as aiding the long-term structural growth of the economy. Only two things were required of these policies – that economic growth was boosted and that it put an end to the

persistent deflation which has ravaged the economy. Given it is approximately two years since Abenomics was unleashed, has it been a success? Sadly, the only unqualified success has been the boost provided to asset prices. Elsewhere, the results are far from conclusive and we judge that Japan remains at a distinct crossroads.

A VAT hike in April had severe repercussions for the economy. By the end of September Japan was reported to have slumped back into recession. A VAT hike in April had severe repercussions for the economy. By the end of September Japan was reported to have slumped back into recession. Meanwhile, stripping out the effect of the consumption tax hike, consumer price inflation is barely in positive territory and even this appears wholly attributable to the fall in the value of the yen. Any prolonged stabilisation in the currency could quickly erode even this meagre reading. Inflation does not yet appear ‘entrenched’ in the mind-set of either businesses or the populace. In fact, with nominal wage growth continuing to lag price rises, Japanese consumers are in a worse position than they were two years ago. As far as economic restructuring is concerned, little of note has been achieved.

There are certain things which even well planned and nimbly executed fundamental reforms will not overcome – the horrific demographic profile of the country being chief among them. The Japanese labour force is declining by 1.5% per annum and absent mass immigration, will continue to contract. Even the much-vaunted attempt to increase the female participation ratio may have little effect given that female workers already account for close to 50% of the workforce. Tariffs also remain higher than the EU and US, corporate restructuring has been limited and, in many ways, Japan is as closed an economy as it was two years ago. That is not to say there has been no progress. Companies are being overtly encouraged to provide pay rises to workers, productivity growth is on a par with Europe and the Japanese corporate sector has a better debt profile than other regions. So too, at the end of October the Bank of Japan surprised many by escalating its asset purchase programme to ¥80 trillion (US$700 billion) annually. However, even here we can’t help but think that Plan B looks a lot like Plan A - just with a bit more gusto. Despite the limited success of Abenomics, Shinzo Abe’s popularity is such that he called a snap election in November in which he committed to delaying the second planned consumption tax rise scheduled for October 2015. It would be a shock if Abe was not returned to power. But what then? Do the hopes of the economy continue to rest on engineering a further decline in the yen? Will Plan B be followed by Plan C and will either prove more successful than Plan A in introducing true economic progress? We have our doubts on many of these fronts and consequently, despite the New Year tradition of favouring Japanese equities, we will look elsewhere for inspiration just for now.

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T R AVEL WI TH

Keeping business travellers ‘appy Fred Eulenkamp of TravelSolutions takes a look at some of the latest travel technology assisting businesses remain compliant with legislation

In the business world we are always hearing about the tightening of legislation. For most companies the focus of implementing this legislation is on what happens in the workplace with regard to interaction with customers. The impact of legislation on a company’s travel is therefore sometimes not as high up the pecking order as it should be. Events over the last few years have, however, focused the minds of travel professionals on how they can help their customers implement the various duty of care regulations brought in since the events of 9/11, SARS, the Icelandic volcano and concerns with the safety of travel within and over regional ‘hot spots’. To this end, do you know where all your employees are at any given time? Do you know which airlines are currently on the EU banned or ‘watch’ lists? Can you reach your staff quickly and efficiently within seconds and notify them of dangerous situations that may be affecting them, whether that means

all employees worldwide or just one or a few in a particular city or number of cities. If a business does not answer ‘yes’ to the first two questions, and is unable to easily contact its employees, there is a good chance there is a lapse in the duty of care a company has to its employees while they are travelling. By mandating the use of a travel management company, these questions can all be answered with a ‘yes’, and a company is able to demonstrate that it has fulfilled its care obligations and often finds it has saved money in the process – a win-win on all scoreboards. At TravelSolutions we have recently implemented two of the latest traveller tracking systems and are rolling these out to our clients over the next few months. This means travellers’ current and future locations can be seen easily on an interactive map, and those in danger zones can be quickly identified, grouped together, and contacted within seconds.

01481 715145

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The basic system allows us to send alerts and updates via the traveller’s chosen method and is provided free to all TravelSolutions’ travellers via our itinerary system. A company login is also provided with this, allowing travel bookers and/or HR departments to stay in contact with their travelling staff. The upgraded system allows for automated security and other alerts to be sent, and provides two way instantaneous communication via a smart phone app asking simple questions such as ‘Do you need help?’, with a single ‘yes’ or ‘no’ one-click answer. In addition, as long as it’s ‘enabled’ by the traveller, the smart phone’s location system can be accessed - giving the ability to track someone, which is useful if you have employees travelling to designated ‘hot spots’. We are happy to provide advice on the logistics of implementing either of these systems for businesses – either here in Guernsey, or from our offices in Jersey, Bristol, Bromley and Oxford.

NewZealand

N EW Z E A LA ND

NEW Z E A LA ND

In this series of articles, we take a look at other financial centres, where their focus is, what products and services they are promoting, what they are doing well (or not so well) and if there is anything Guernsey can learn from them. New Zealand is the land of the long white cloud, home to a rugby team that is all but invincible, boasts an ancient Maori nation and, you guessed it, has a legislative and regulatory structure that is being developed with the aim of facilitating greater involvement in the arena of international financial services. Some promotional material already goes as far as to claim New Zealand is the Switzerland of the South Pacific, so it is clearly aiming high. New Zealand is also a very, very long way away from Guernsey - 18,585km to be precise - but not so far away that the two have not touched and influenced each other in the past and may continue to do so in the future. A little dig into the history book reveals that there was a considerable number of Guernsey emigrants to New Zealand in the

mid to late 1800s. One who made a particular mark was Emilius Le Roy, a Guernsey sailor who settled in Auckland in the late 1850s, established a successful tent and sail-making business and then sent home to Guernsey to collect his fiancée, Catherine Tabel to join him. For Catherine to have answered that call and made such a trip in those days must have been true love indeed! Of course, the other very successful Guernsey migrant is the Guernsey cow. There is a now thriving New Zealand Guernsey Cattle Breeders Association and our famous local breed plays a vital role in the success of the New Zealand dairy industry. Returning to finance, there are other links between Guernsey and New Zealand. For example the inevitable but necessary tax information exchange agreement; and, historically, several Guernsey fiduciaries

opened offices in New Zealand to take advantage of the New Zealand foreign trust legislation. But what does New Zealand offer and does it pose a threat despite its distance? On the fiduciary side a quick initial look at the jurisdiction’s activity throws up much of the usual promotional positives. New Zealand is not on any blacklists; it is a member nation of the OECD and FATF; there is a substantive legislature based on English law; and, it has a government receptive to ideas and very supportive of the development of an international finance centre of excellence. The added bonus it has – and something that is a recurring theme whenever IFCs are discussed – is a location in the Asia-Pacific region. This makes it ideally suited for clients in China, India and Indonesia. Interestingly, several of the financial websites have translated versions offering the text in Chinese or Russian which does say something about target markets and

N E W Z E AL AN D

Although New Zealand may have better wine than us, way taller mountains and, let’s face it, the All Blacks (no offence to the Guernsey Rugby Club), it is Guernsey it will be wanting to emulate when it comes to their continuing development as a successful international finance centre.

possibly (there are no figures available) where they gain much of their business. This by no means diminishes Guernsey’s own success in developing the Chinese market. What New Zealand might offer in terms of geographical proximity, is far outweighed by the well-developed financial industry, innovative products and top quality professional services our island can offer. If an indication is needed as to how closely aligned New Zealand is with China then look no further than the tourist industry. There have been supportive prime ministerial visits to China (John Key); it is estimated that within a few years the number of Chinese tourists to New Zealand will top one million; and it has been reported that Shanghai Pengxin Group, the Chinese privately-owned multinational, is considering establishing a fund to invest US$10 billion in developing New Zealand’s tourism infrastructure. The same company also recently purchased 16 New Zealand dairy farms (assumedly with their share of Guernsey cattle). With this level of Chinese interest in New Zealand there is no doubt that the New Zealand finance sector will benefit hugely from the links to China in the future. Question - is this another way into the

Chinese market for Guernsey – through subsidiaries in New Zealand?

stringent as you would expect for a member of the OECD and FATF.

But as we know well in Guernsey, the key to success and being able to generate on-going success, is the products that are offered. Here, to be honest, New Zealand has the core fiduciary package but is lacking elsewhere. In fact, the sector resembles a Guernsey of 20 years ago.

The fiduciary offerings are fundamental – offshore trusts (yes – they still use that word despite the fact they are not offshore and it is passé); private trust companies; limited liability companies; look through companies; and limited partnerships. There is strong play on asset protection and on the use of the foreign trust legislation. Essentially a trust established in New Zealand that has no New Zealand resident settlors or beneficiaries suffers no tax in New Zealand. There is also a positive move to try and grow the fund industry with clear intentions to become the leading hedge fund hub in the Asia-Pacific region.

As a country and culture there are many similarities to what Guernsey was 30 or 40 years ago or even in the present day This will not be a surprise to anyone who has visited New Zealand, because as a country and culture there are many similarities to what Guernsey was 30 or 40 years ago or even in the present day. This does not apply to the anti-money laundering, legislative and regulatory regimes, which are as

So does Guernsey have anything to fear? Not really. Although New Zealand may have better wine than us, way taller mountains and, let’s face it, the All Blacks (no offence to the Guernsey Rugby Club), it is Guernsey it will be wanting to emulate when it comes to continuing development as a successful international finance centre.

NE W MEMBER S FEATUR E

Contact caught up with Tim Guilbert, managing director of one of Chamber’s newest members, Consult & Build to find out about the company and Tim’s plans for the future. Tim’s knowledge and experience with regard to energy efficiency and savings is extensive and his own building projects are testament to his expertise in this area.

Responsible for the new development just off Collings Road – Camelia Drive – Tim has ensured that these houses are built to minimise energy consumption, retain heat and operate at maximum efficiency which, with the escalating cost of fuel will be an attractive proposition to any potential buyer. But the building projects are just one aspect of what the company’s offering. Tim has recently set up a new trading entity, Property Plus through which he will be offering consultancy services drawing on his own knowledge and expertise in the energy field. Initially Property Plus is offering Home Performance Assessments where he and his team will undertake an assessment of a home or office in terms of its energy consumption and efficiency. The goal is to offer clients practical advice and specific recommendations on changes that can be put in place to save energy and therefore money. So confident is Tim in these detailed assessments that he offers a full refund on the cost of one (which isn’t at all cost-prohibitive in the first instance) if a client doesn’t achieve 10% savings on energy bills

after putting the recommendations in place. The assessments cover a range of topics from insulation to lighting from ventilation to boilers. Savings can be made on domestic energy costs, by making some pretty simple changes. For example how many of us leave TVs on standby constantly? Interestingly by making sure electrical devices (TVs, PCs) are not left plugged in or idle, a typical home could save over £100 a year – and Tim even has a simple gadget that will do this automatically for you. Tim himself has a number of qualifications and accreditations in this field some of which he holds exclusively in the Channel Islands. He is a member of the British Institute of Non-destructive Testing which promotes the quality testing disciplines; a member of the British Plumbing Employers’ Council, which develops skills and expertise to meet the highest industry standards; and a member of The Centre of Refurbishment Excellence which supports professionals developing low carbon, resource efficient systems. Tim is also chairman of the Guernsey Chartered Institute of Building.

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SmartOffice SmartOffice is a Channel Islands company, which utilises digital and cloud-based technology to deliver a range of support services to local businesses, allowing those clients to increase their efficiency, maximise sales, optimise their customer services levels and drive down costs. Services include call handling, provision of a virtual receptionist or virtual PA and customer service support. As these services are provided on an on-demand, pay-as-you-go basis, they allow organisations in Guernsey to source their requirements as and when needed rather than having to invest in fixed costs that may not be utilised efficiently.

Lilley & Co Ltd Lilley & Co Ltd offers a full range of accounting services to Channel Island and UK businesses including payroll, bookkeeping, management accounts, annual accounts, taxation services, business plans, cash flow forecasts, ad hoc projects and professional interim services. The company specialises in cost effective cloud accounting solutions that allow clients to run their business from anywhere with internet access and data is fully backed up and secure. Access to remote help and support is also available. Owner Trudi Lilley is a fully qualified accountant with over 20 years’ experience in a variety of sectors, with a special interest in retail and e-commerce. Lilley and Co can tailor a package to suit a client’s needs and budget whether for a startup or an established organisation.

Blix Blix provides proven digital strategy, beautiful web design and leading-edge development. The company is committed to the creative use of technology to promote and empower their clients’ businesses. Blix focuses on delivering high-quality websites, business software, mobile apps and digital marketing and is driven by its commitment to provide exceptional service and class-leading solutions to their clients across the Channel Islands, UK and USA. The team of digital experts combine strategy, marketing, design and development to provide integrated online communications.

Urban Kitchen Urban Kitchen is an independently owned modern brasserie-style eatery and lounge offering all day dining in the heart of St Peter Port. Its open plan contemporary style caters for breakfast, lunches, dinner or just a coffee break in our relaxed ‘lounge’ area or outside on the terrace when the weather is kind. Also available for private hire, Urban Kitchen can accommodate up to 200 guests for a drinks reception or a sit down meal for up to 80 people. Menus are changed regularly to take full advantage of fresh seasonal produce. The Urban Kitchen team is also more than happy to discuss a bespoke menu for anyone organising a special event. Urban Kitchen offers something for everyone.

Navitaur Limited Navitaur provides the specialist knowledge that facilitates and enhances solutions for sophisticated private clients, professional advisors and private banks. With the expertise to guide clients through the increasingly dynamic and complex financial services industry, Navitaur adds value through the provision of consultancy services centred around its core areas of expertise. Services are delivered with the client at the forefront of the mind and are underpinned by its core values of impartiality, transparency and excellence. Services include: • Sourcing and the arrangement of credit solutions for clients who have a requirement to purchase or leverage assets; • Sourcing and the arrangement of banking solutions for clients whose requirements may be of a more complex nature or carry additional risk; • Strategic input and guidance for clients looking to grow their high net worth client business. Continued>

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N EW M EMBE R S

Bridge Dental Clinic At Bridge Dental Clinic, Dr Hylton Jenkins promises excellent gentle and friendly dentistry. The best motivation to visit your dentist is that dental problems don’t go away they only get bigger… and a lot more expensive to treat. Bridge Dental Clinic offers general family dentistry, welcomes nervous and phobic patients and offers both adult and children’s orthodontics. Patients receive a full explanation regarding the diagnosis, the options and the procedures. The clinic provides a detailed treatment plan and an estimation of the cost before beginning any treatment. Bridge Dental Clinic is the first stop for a great smile.

Sun Yachts Sun Yachts Limited, yacht dealership and brokerage, was launched in Guernsey by Jon Le Conte and Simon Hughes in August 2014. Sun Yachts offers a total care package including boat selection advice, sea trials, handover and after-sale support, plus on-going boat maintenance and preparation for sale. Based at La Salerie Quay, the company has already secured the Channel Islands exclusive dealerships for sailboats and inboard powerboats from prestigious manufacturer Jeanneau, plus Europe’s biggest selling RIB brand, Brig inflatables.

With decades of experience, Jon and Simon are experts in their field. ‘Over the years Jon and I have built up an extensive network of contacts,’ said Simon. ‘As a result, we have access to brokers throughout the UK and Europe, and can offer our clients delivery of their new or used vessel to or from anywhere in the world.’

Guernsey Sands Guernsey Sands (Stillbirth and Neonatal Death Society) is part of a nationwide network of local groups to provide emotional support, practical help and care to anyone affected by the death of a baby during pregnancy, at birth of shortly afterwards. Sands goals are to: • support anyone affected by the death of a baby; • work with health professionals to improve the quality of care and services provided to bereaved parents and families; • promote changes in antenatal practice and fund research that could help reduce the occurrence of these tragedies. Locally, Guernsey Sands offers support from trained befrienders, who have also been affected by the death of a child. Monthly community gatherings are held for bereaved parents, relatives and friends. The community has an online support group within a closed Facebook Group providing the opportunity to communicate, share stories and get advice in a safe and private environment.

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OU T S OU RCI N G

Technology in 2015 Calligo’s Julian Box looks ahead to 2015 and what’s on the horizon for businesses in the virtual world

What should we expect from technology this year? As 2014 came to a close it was clear that it had been yet another year of massive step changes in several areas, most of which will have a dramatic effect on the technologies that will be impacting us during this year. Taking a quick look back over last year we can see that once again there was a clear focus on data protection and privacy. There were numerous data protection and privacy issues during 2014 not least Microsoft’s on-going court case with the US government around the latter’s demand for data from their Dublin based services. They are currently in contempt of court after losing both the initial hearing and their first appeal. This currently means they can only meet Guernsey Data Protection laws by breaking the law in the US, a pretty unsustainable position but a new appeal is due very shortly and this case has massive ramifications for all US based service providers if they ultimately lose. So what does 2015 have up its sleeves for us all? ‘Bring Your Own Device’ (BOYD) will continue its already rapid growth but it’s the levels of mobile device diversity that will affect organisations the most. The number and types of devices coming into businesses, schools and government departments, or being demanded by organisations’ users, will put enormous pressure on the management of what is an ever-changing landscape of technology and a key battleground for vendors in the coming year.

Another area of focus will be the continuing shift in application development by software developers to ‘platform as a service’ frameworks. These include the rapidly rising use of container-based development using technologies like Docker. Each container has the operating system, backend services like databases as well as web service based delivery mechanisms. The container, along with all the parts needed by the application, can be deployed within seconds removing the need for expensive backend infrastructures like Microsoft SQL, application servers or other large scale technologies which have been, and still are being, promoted as the only option for Guernsey businesses. This new method of both developing and deploying applications is taking the world by storm and it’s already a technology that my company is taking advantage of. ‘Software Defined Everything’ - over the last 10 or so years IT has been continuingly moving away from a purely physical based infrastructure to one of a virtual nature. First, we had server virtualisation, and then desktops, followed by networks and now the datacentre as a whole, which is encapsulated in cloud based services. The term ‘Software Defined Everything’ comes from the push towards businesses and users interfacing with a service that is completely software based. 2015 will see this trend continue at an ever-increasing rate and the term will become commonplace. And my final prediction will be no surprise to readers of my columns or blogs; that of data protection and the growth in the demand for jurisdictional based cloud services centring on data protection, data residency and

privacy, especially services in what I’ve been calling ‘data safe zones’. This area is also one that Guernsey should grab since it’s well positioned to become a leader in this space. I hope that its potential is fully realised by the political leaders as the time to position Guernsey as a leader in this space is now. There are other jurisdictions already looking at this area as a great opportunity for new growth and without prompt action they could beat you to it. I couldn’t finish an article like this without a few words on technology in schools during 2015. It’s an exciting time for schools and students as they look to develop new skills around technology that enables creativity and innovation across all curriculum subjects. I’m genuinely looking forward to seeing and hearing about the projects that have inspired children in the use and application of technology, this really is a great time to be at school. To summarise then, 2015 is set to be a fast moving and exciting year on many technology fronts. Software development is changing massively and Guernsey businesses need to stop and take note, or it’s likely they will be left behind the curve. I believe 2015 will continue to see heightened data residency and privacy concerns and Guernsey needs to keep a close eye on the new EU data protection law that’s likely be enacted by the end of this year. As discussed above, the emergence of ‘data safe zones’ will be a key opportunity for Guernsey but it must align its data protection law with the new EU one if it wants to compete in this space.

O U T S O URC ING

Start up companies - utilising outsourcing or incubation service providers Jo Carré of the Active Group takes a look at the pros and cons of appointing an outsourced business service provider Incubation service providers If your company is in its infancy and considering the most cost effective and efficient way in which to establish a physical presence, using an incubation service provider can have considerable benefits to small businesses in the early years. A service provider which provides incubation services can be the perfect bridge to make the big step from idea to execution. Incubation service providers can provide an inexpensive start up environment and a range of tangible administrative, consulting, and networking services. This can often include utilities, office equipment, computer services, conference rooms, receptionist and human resources services. Having this business infrastructure in place allows the start up company to focus its resources on its core business. Business trial and error is something that a start up company has to endure as part of its business life, however an incubation service provider can often provide insightful advice and information on a broad spectrum of business issues to support the start up company in its embryonic years. The start up company also has the ability to tap into the network of business partners, which are associated to the incubation service provider. The further benefits of utilising an incubation service provider is that it can provide an element of legitimacy and credibility, as the start up company will have been subject to the incubation service providers due diligence process. Outsourcing service providers Historically, the most common rationale for outsourcing was one of cost or headcount reduction. However, the drivers can often be more strategic, and focused on performing core value-adding activities in-house - where a company can best utilise its own core competencies.

Adopting an outsourcing model can present a variety of benefits to your company, which can include outsourcing to providers that are specialists in a particular field or have technical expertise and the potential to increase the speed and the quality of delivery of outsourced activities beyond your current business capabilities. Outsourcing and incubation risk choose the right provider for you. As with any outsourcing arrangement or incubation service there are inherent risks. It is your businesses reputation, your livelihood and your risk, therefore it is vital that you choose the right service provider to perform the services on your company’s behalf. Perform an assessment of the outsourcing or incubation risk to which your business is, and potentially could be, subject. The assessment methodology has to be measurable and be on-going throughout the life of the outsourcing or incubation relationship. Prior to commencing any outsourcing or incubation service relationship, perform your research and ensure that the service provider has a proven track record in providing the specific services. Take time to compare and contrast the strengths and attributes of the service providers. Are they well established within their given fields? Enquire whether the outsource service provider has the ability and capacity to undertake the provision of the service effectively and to your required standards. Give consideration to the service provider’s technical, financial and resource capacity. Word of mouth regarding the outsource or incubation service provider’s services can add a level of comfort, but must not be the primary reason for appointment and cannot replace your own detailed research and assessment. Ensure that you retain the expertise, skills and knowledge in-house. This is to ensure that you have the relevant

experience, knowledge and practical understanding of the outsourced services to effectively oversee the outsourced function. Legally binding written contract Establish a legally binding signed and dated contract, which includes the details of the required and service levels. A legally binding written contract between the start up company and the service provider is an important management tool. Having in place appropriate contractual provisions can assist in reducing the risks of nonperformance or disagreements regarding the scope, nature and quality of the services that are to be provided. A legal binding written contract should assist in facilitating the monitoring of the outsourced activities and should include as a minimum: • The provisions regarding confidentiality; •

The defined responsibilities of the start up company and the outsource or incubation service provider and subcontractors, if any, and how such responsibilities will be monitored;

• The liability of the outsource or incubation service provider for unsatisfactory performance or other breach of the agreement; • The mechanisms to resolve disputes that might arise under the outsourcing arrangements; • The business continuity / disaster recovery provisions; • Any guarantees and indemnities; • The termination of the contract, transfer of information and exit strategies. There are clearly advantages and disadvantages associated with outsourcing. However, if you are aware of these from the outset, with the right agreement and controls in place, it can see a company flourish from fledgling start up to become a market leader in its sector.

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O U T S O URC ING

Outsourcing benefits – size doesn’t always matter David Jackson argues the benefits to outsourcing the accounting and financial management functions in business David is a freelance accountant and financial manager providing specialist financial management services to businesses of all sizes.

maintain. Outsourcing can help small firms get access to the same economies of scale, efficiencies and expertise that larger companies enjoy.

Outsourcing, the simple act of transferring a business process or function to an external supplier, has the potential to make an organisation leaner, more adaptive, smarter and more profitable.

Perhaps the greatest merit in outsourcing enables a business to focus on its core activities. To concentrate and spend more time on what it does best. If this results in more innovative products, greater market share and better development, the benefits can be striking quite apart from the potential cost savings.

It’s not just small business owners who experience the frustration of spending more time than they want on non-revenuegenerating activities. Any business, regardless of size, is more efficient when it can focus on its internal resources and core competencies. This is why there’s a growing trend of outsourcing especially when it comes to accounting and financial management (AFM). Effective financial management is an essential part of running any successful business and helping it reach its full potential. Some businesses have a first rate AFM function in-house. However, for a variety of reasons many do not and this is not always related to size. Many firms are finding more efficient, flexible and cost effective solutions are often available to them through outsourcing. Generally speaking, the top reasons for outsourcing any business function include access to specialised skills and knowledge, gaining better quality and more flexible support than the business is able to offer in-house, and the costs saved overall. Hiring additional full-time staff can be very costly and time consuming. Additionally, most small firms can’t afford to match the in-house support that larger companies

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Some or all AFM activities can be outsourced dependent on the circumstances of the business. Despite significant improvements and user friendly developments in low cost accounting software, many businesses find bookkeeping, payroll and accounts a chore and a time consuming one at that. Not surprisingly the books get neglected and become out of date. It can be very expensive to get the process back up to speed. Major changes and upgrading of accounting processes can often be implemented more successfully when outsourced. Many businesses seek external assistance in compliance and specialist advisory services. Typical activities might include year-end accounts and tax returns, tax and treasury advice, company secretarial work and internal audits, for example. Once a business reaches a certain size it usually has an increased requirement for many parts of the financial management process; performance reporting, business planning, budgeting, costing, forecasting, cash management, pricing, finance, assessing the financial implications of projects and

different strategies. Again these activities may stretch resources and expertise in many firms. Less well-known outsourcing services are available in this area where the service provider will work with your team and on your premises to provide an in-house financial management service on a one off, interim or part-time basis including acting as a part-time financial director or manager. Companies run by owners or managers with different skill sets who want to concentrate on their area of expertise, but recognise the importance of keeping their financial affairs in good order, are likely to find outsourcing of benefit. As will those that do not currently have the in-house expertise or where it is not cost effective or practical to recruit full-time staff. Start-ups or businesses planning significant change or rapid growth, those struggling, in financial difficulty or when the bills and paperwork threaten to take over, may require specialised support. When considering outsourcing it’s worth noting whether you already posses, or can recruit the necessary skills to do the job in-house, or would it be better to outsource to someone with the right skills who can do the same job in less time, in a more cost effective way and without having any negative effects on the business. Perhaps the more important question is the extent to which a business can leverage the full benefits from focusing on its core activities. Assessing and quantifying these benefits particularly those generated through innovation, product development, improved productivity or increased market share for example is crucial in the decision-making process.

B U S I N E S S I N T H E COM M U NIT Y

Investec’s Abba night raises £19,500 for The HUB

Indulge Media donates Rasberry Pi computers to Amherst School

ABN AMRO buys new rucksacks for Duke of Edinburgh Award students

Sure donates instruments to the Guernsey Music Centre Tumaini Fund dinner funds 15 homes for Tanzanian orphans

RBC donates £1,000 to Home-Start Guernsey

Sure donates new equipment to Jubilee Hospital Radio

Co-operative Society donates £14,500 to local environmental projects

B U S I N ES S IN THE C OMMUN I T Y

BWCI

making a difference in the local community With over 300 local charities listed as members on the Guernsey Association of Charities website, and numerous other projects and initiatives, there are certainly plenty of opportunities to get involved in the community. Much of this volunteering goes on quietly behind the scenes, and anyone who attended the 2014 Guernsey Community Foundation Awards cannot fail to have been struck by the range of activities that Guernsey’s third sector supports. As well as dedicated individuals, Guernsey’s business community is also involved through corporate social responsibility (CSR) activities. CSR encompasses a wide range of support. For some it means providing financial assistance to charities, but central to the CSR philosophy of BWCI, winner of the Guernsey Community Foundation’s 2014 CSR award, is drawing on its own experience and skills helping to make an idea on a charity’s wish list become a reality.

BWCI has a long history of supporting the community, with the BWCI Foundation

Working in partnership with Guernsey Mind, we hope that BWCI has made a positive contribution towards raising awareness of mental health issues and broken down barriers to talking about them created 10 years ago to mark its 25th anniversary. BWCI focuses on four key areas: developing problem-solving skills; sport;

music; and its staff-nominated charity of the year. Numerous events are supported annually, ranging from the BWCI Maths Masterclasses and the BWCI Mind Sports workshops to the BWCI Mini Soccer Festival and the BWCI Camerata Concert Series. BWCI’s partnership with Guernsey Mind has developed over the last 18 months; initially through HR manager, Alison Hawkins, who is a member of Mind’s Employment Project. The links were reinforced when BWCI staff voted Guernsey Mind as the chosen charity of the year. Alison said: ‘Working in partnership with Guernsey Mind, we hope that BWCI has made a positive contribution towards raising awareness of mental health issues and broken down barriers to talking about them.’ According to Guernsey Mind’s statistics, one in six workers experience depression,

B U S I N E S S I N T H E COM M U NIT Y

The other major focus of BWCI’s support in 2014 was Mind’s inaugural 10K run, in collaboration with the Guernsey Island Amateur Athletics Association anxiety or stress at any one time. While attitudes are beginning to change, many of those struggling with mental health issues are reluctant to discuss their conditions, so mental health problems can be difficult to recognise in the workplace. Employers also often lack the necessary skills to manage mental health problems.

Amateur Athletics Association. The benefits of exercise in promoting positive mental health are well known and Mind was keen to put on a community event to raise awareness of this. BWCI’s volunteers provided much of the administrative support, from designing the entry forms and processing the applications, to acting as marshals on the day.

They also entered their own team of 10 runners. Aimed particularly at those who had never attempted an endurance run, despite the traditional bank holiday torrential downpour, the event attracted 130 entrants, raised over £6,000 for Mind and hopefully is set to become a regular event in the athletics calendar in future.

Mind sought to tackle this lack of employer knowledge through an employers’ conference. However this was a significant undertaking, on top of its regular support services, with just a handful of staff. BWCI was able to draw on its experience of running client seminars to relieve Mind of the administration associated with 100 delegates, allowing Mind to focus on the conference content. BWCI also provided the venue and administrative support for the series of follow-up employer workshops. The other major focus of BWCI’s support in 2014 was Mind’s inaugural 10K run, in collaboration with the Guernsey Island

H R A N D T RA INING

The broadening scope of HR In today’s ever changing world, human resources (HR) goes beyond just handling payroll and recruitment. Katie Bellingham of the Focus Group explains the benefits of outsourcing HR services

As the business environment develops, so too does the HR remit. Gone are the days when the HR department was simply responsible for the paperwork of contracts, policies, payrolls and comforting disgruntled employees. Today the need for pro-active and strategic HR specialists is paramount. HR is about supporting business sustainability and growth and being the voice behind the ‘people impact’ of every decision that is made at a senior level. HR is the ‘gel’ between business and its people and about retaining strategic advantage. Your business need for HR assistance and support will be guided by size, turnover and industry, however, if you employ people then you are already involved in some HR practice whether you want to be or not. When you feel you need extra support and assistance with your people you might want to consider outsourcing. The biggest advantage to outsourcing your HR requirements is the ability to flex your resource dependent on what you need and how pro-active you want to be. Focus can support you in many different ways. You may not have the need for a full-time HR resource and therefore we provide the full range of HR services to you on an ad hoc basis. You may have an internal HR team, but need additional resources to assist at peek times, cover for leave or projects. If you are just starting up then you will need guidance and support to get you on the right track and ensure you start your business with good employee relations from the outset. At Focus we have the expertise to handle a variety of situations and the

knowledge of what is best practice and the market trend. Because we work across a number of industries and disciplines, we are at the forefront of what is happening in the market and this gives you the insight that, as an independent business, you might otherwise miss out on.

The biggest advantage to outsourcing your HR requirements is the ability to flex your resource dependent on what you need and how pro-active you want to be. If you have fewer than 50 employees you should definitely consider outsourcing your HR needs. At this size, or less, you are unlikely to have the workload required for an in-house HR team, however your business and employees still deserve a professional and pro-active HR service. For smaller businesses without a HR function, the MD is often called upon to deal with HR duties, for reasons of confidentiality, however he or she does not necessarily have the skills or experience necessary for a proactive approach to more complex HR issues. When outsourcing to a HR consultancy, you can

rest assured that you do not have to worry about managing all the HR details that are so critical to your business, as most small business owners just don’t have the time or experience to do everything. HR activities must be handled correctly; errors can be time consuming and costly to your business, such as an unnecessary disciplinary matter or, in the worst cases, claims through the employment tribunal. If you are uncertain about outsourcing, but know you do not have the staff or experience to do all HR in-house, you could start by considering outsourcing certain parts, such as payroll or benefits. Whatever you decide is best for you, it won’t harm to consult us about the best course of action. It is best to have a plan in place and a consultancy in mind so you can easily move forward when the time is right. In the long run it would be better to bear the initial cost of ensuring compliant employee handbooks and legally binding contracts rather than incur the costs related to unfair dismissal claims in the future. If you contract us on a retained basis you will also have the benefit of access to our expertise should any issues arise that need immediate attention – you will have peace of mind that you, your valued staff and your business are in safe hands for many years to come.

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N DRTERA INING HHURMA AN SOUR CES

Mind the gap Susie Crowder of CISA considers what needs to be done to develop a talent pipeline of strategic leaders to meet the needs of tomorrow’s business Board refreshment and planning for director succession are key functions of any board. Some markets such as the UK, have adopted best practices on a complyor-explain basis that aims to limit a director’s tenure to nine years of board service, beyond which, investors may question a director’s independence from management. Such best practices have helped lower average board tenure, and have encouraged boards to focus on refreshment of director skills and plan for director succession in an orderly manner. Our analysis of 2013 data, shows the average board tenure across 1,300 UK listed companies was approximately 6.4 years. In comparison, the average board tenure across 5,600 US listed company board was 8.6 years. As a result, only 6% of UK companies, compared to 20% of US companies, had directors with a tenure of 12 years or more. A comparison of average board tenure across countries in Western Europe revealed that Spain (7.7 years) and France (7.4 years) had the longest average tenured boards while German boards (5 years) had the shortest average tenure in the region. The European Commission has recommended a 12-year director tenure as a best practice for EU based companies. It is anticipated that average board tenure in EU companies will fall over the coming years. With this in mind, coupled with the challenge of the demographic time bomb which poses a real threat to businesses across the Channel Islands, succession planning and talent pipeline initiatives are essential to ensure an organisation’s sustained advantage. The challenge however is to begin the engagement process with tomorrow’s leaders today. Who, within your organisation, or wider network is ready, willing and able to make the step to the next level; to the boardroom?

Furthermore, once you have identified that talent what are you doing to develop it to ensure that once the chairs around the boardroom have been re-arranged, the fresh blood can come in and hit the ground running. The bottom line is, there is significant work to be done in preparing for the transition period over the next few years.

A new pan-islands initiative has been established to assist local businesses and aspiring leaders to bridge the gap to the boardroom. Through an annual series of lunchtime events, typically hosted by FTSE leaders or prominent business leaders and sponsored by Ravenscroft, Thomas and Dessain, past, present and future business leaders can learn how best to embark on the challenge of the changing landscape at board level. Top talent is today’s competitive differentiator that makes the difference between an organisation that is thriving and one that is stagnant or declining. The workshop series will provide insight to topical subject areas such as, ‘so you want to be a NED but do not know how,’ through to ‘my FTSE 100 story’. The high calibre speakers will share ‘money cannot buy’ experiences, provide food for thought and inspiration on how best to begin bridging the gap.

Will diversity come into the question? Possibly, but in the full meaning of the word, not just gender diversity. Before we embarked on this initiative, we carried out a wide scale consultation with industry. Diversity (gender or otherwise) is a hot topic at the moment. Frankly, I am amazed that, in today’s society, we can allow for gender specific initiatives to be established. What about the other half of the economically active population who are equally hungry for the boardroom promotions? I am a firm believer in the best person will get the job and fundamentally do not support any sort of imposed quotas. This initiative is much more about adopting a constructive approach to providing up-skilling, strategic exposure opportunities to the next generation of business leaders across the Channel Islands.

Save the dates! Guernsey 14th January 2015 – Old Government House Hotel, 12.15-13.45 – ‘Men & Women in Business - Battling The Shifting Demographics Without Quotas’

11th March 2015 – Old Government House, 12.15-13.45 – ‘My Story – Charlotte Valeur’

Jersey 11th February 2015 – The Royal Yacht Hotel, 12.15-13.45 – ‘Men & Women in Business - Battling The Shifting Demo graphics Without Quotas

8th April 2015 – The Royal Yacht Hotel, 12.15-13.45 – ‘The Changing Landscape at Board Level’

Realise the potential of your people

For further information on how the Channel Islands Skills Academy can assist your organisation, please contact Susie Andrade E: susie@cisa.gg T: 01481 244904

H R A N D T RA INING

Relationships and recruiting Nick Graham of OSA Recruitment looks at the impact of social media on the recruitment process and considers the importance of personal touch Love it or hate it, social media is playing an increasingly significant role across much business activity and has become an integrated part of most companies’ communications strategies.

Add to this the potential annoyance of individuals receiving unsolicited messages as well as the impersonality of the approach, and the benefits of the personal attention of recruitment agencies look more attractive.

A social media policy is now a ‘must have’ element of most organisations’ corporate governance document suites. Corporate use of social media channels extends way beyond the arguably more obvious areas such as PR and marketing and some companies are turning to these relatively new channels as part of their recruitment process.

Using an agency will almost always deliver a more successful match. Recruitment professionals can bring real value through their knowledge and experience as well as a level of anonymity for the candidates – factors that are particularly important at senior levels and within a small island community where trust and discretion are incredibly important.

Social media platforms such as LinkedIn, Facebook and Twitter can perhaps offer a cost-effective channel for organisations to advertise vacancies or, on a more pro-active level, to use as a searchable database for potential candidates to fill a role. Many candidates (around 30% and rising) use these channels as the first place to seek out potential roles, so the use of social media is undoubtedly a trend set to stay. But does that mean that the death knell is sounding for the more traditional recruitment processes and for recruitment agencies themselves? We certainly don’t believe so.

An agency can also avoid an organisation having to filter through the inevitable deluge of candidates that may respond to an online advert.

Whilst LinkedIn and similar sites have a role to play, online searches for candidates can be an extremely time-consuming process for the employer and the cost effectiveness of this approach has not yet been established.

We invest a huge amount of time into building relationships with our clients and candidates. The idea that recruiters can be replaced with a ‘one size fits all’ online solution underestimates and undervalues

‘High-volume, low-quality’ issues do not arise with an agency because we assess the attributes of each individual candidate through face-to-face meetings. Working closely with the companies concerned and having an understanding of both their business, and equally importantly, their culture enables us to provide a handpicked selection of highly suitable applicants.

the impact and the benefits a professional recruiter offers. It’s not a question of ignoring social media or pretending it doesn’t exist. For recruitment agencies such as ours to continue to thrive, it’s a question of integrating these ‘new’ platforms into our own activity so at OSA, we have our own LinkedIn presence, Twitter feed and Facebook page which we use to promote roles and to build our own profile. We also advise candidates with regard to their own online profiles (statistics suggest that three out of four employers in the UK check potential new hires’ profiles before making the final offer and one in three have rejected candidates on the basis of what they found). There is no doubt that new mobile technologies, online platforms and emerging media channels have changed certain behaviours both for corporations and individuals. But the role of the recruitment consultant will continue to thrive and negative commentary on social media delivering a death blow for agencies such as ours is frankly not the case. For the most effective recruitment solutions, the personal touch will continue to be one of the most valuable tools in the box. Perhaps ironically, ‘social’ recruitment is perhaps the least ‘social’ way to recruit. Human contact continues to be an essential part of the recruitment process and we see no reason for this to change.

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HR A N D T R A INING

Recruitment through the years Melissa Campbell of Situations Recruitment takes a look at how the recruitment process has changed as technology has progressed

I have been employed by Situations Recruitment for nearly 13 years now and in that time I have seen a huge change in technology and in the way that we work. When I first joined Situations, we used to send out speculative CVs by post, with all consultants sitting together to double-check the list of companies that should or should not be approached on behalf of a candidate. The â&#x20AC;&#x2DC;first come first servedâ&#x20AC;&#x2122; friendly agreement between local recruitment agencies regarding the submission of CVs, which is still in place today, relied on the varied timings of postal deliveries at our client companies. Then came email and with it our CV submissions sped up significantly, to just a couple of minutes per application. It enabled us to send CVs to our clients very quickly, as soon as permission to apply for that role was obtained from the candidate. Prior to mobiles, we made many telephone calls to our candidatesâ&#x20AC;&#x2122; landlines in the early morning or evening when they could talk freely about their job search. Then with the arrival of the mobile phone and texting, candidates were much more contactable in the daytime in a discreet manner in order to run new vacancies by them, arrange interviews, and discuss anything else related to their job search. Next we installed texting software on our PCs, which works like email and means that we can send and receive texts from our computers. Again this has sped up our processes and we have a paper trail to prove that candidates have given specific permission to apply for a relevant vacancy, which is an important factor in

the Code of Professional Conduct of our governing body, the Recruitment and Employment Confederation. Remote system access also means that we can be working in the evenings and weekends if required. But not all developments in technology in the recruitment industry have resulted in time savings. Nowadays, many major international organisations outsource their staffing to external recruiters who operate web portals for all CV submissions. These portals can also be used to monitor and report on the number and type of applications made. However, portal submissions involve entering significant information and forms for each candidate as well as their CV, so the process is unfortunately slowed down somewhat. Extensive pre-screening of candidates is another development, particularly for temps. As a matter of course, we obtain a full pack of documentation from every candidate who registers with us, whether permanent or temporary. This includes a Right to Work document, photo ID, qualification certificates, Police Basic Disclosure report and two references. The administration required in the running of a recruitment agency has increased significantly over the last few years, meaning we now have a dedicated full time administrator who assists us with portal applications and pre-screening of candidates. The attraction of new candidates has also changed. Whereas the local newspaper was previously the main media for sourcing candidates, nowadays we have a range of

social media that we can also use. We are constantly using Facebook, Twitter and LinkedIn, as well as Google advertising, in order to attract new applicants for our huge range of vacancies. These media are extremely measurable, meaning that we can thoroughly analyse the reports to assess which postings are working well for us. What has remained throughout the term of this agency, which was set up nearly 30 years ago, is the personal service we provide and on which we pride ourselves. We take a lot of time to get to know both our client companies and candidates in order to find the best fit for both sides. The quality relationships we have developed and maintained with our clients over the years mean that we can match up our candidates more thoroughly to their job requirements, and at the same time help our candidates throughout the process of finding their dream role. One of our main USPs is that we regularly keep in touch with both our clients and candidates. On the client side, this means we keep apprised of any changes in their structure, industry developments and expansion. For candidates, it means that what could potentially be a stressful time in their lives is made much easier by our keeping them informed at every stage of their job search. Working in recruitment you need to move with the times, adapt to new technologies and processes and relish the challenge of change. However our experience, qualifications, proactive approach and high quality personal service are factors that have remained throughout and will certainly continue.

i 2OF F I CE

Property solutions that match the needs of high performing businesses

For most professional and service businesses, renting suitable premises is often the largest monthly expense item after staff costs. On top of rent, service charges, insurance, liability for business rates, the capital cost of telecommunication systems, fixtures and furniture, plus decorating and interior fit-out charges over the lifetime of the lease can all combine to give an overall monthly spend that in effect triples or quadruples the headline rental costs. Moreover, a traditional five to 10-year fixed term rental agreement does not allow for the ups and downs of commercial life and variances in the amount of space needed at different phases in the business cycle. Similarly, there is no flexibility to relocate or spread staff across multiple sites in order to test new market locations, to be nearer key clients or to support in-house projects.

In contrast to the fixed geography of traditional leases, successful modern businesses share three linked characteristics – flexibility, speed and adoption of technology. High performing companies have become faster in responding to market needs and more flexible in the way they deploy their resources – whether that is locating their staff or allocating their financial capital. At the same time, they have become more dependent on technology to deliver services, reduce costs and increase their reach to international markets. Despite these advances in the way businesses compete, the way many organisations buy office space remains locked in the past with long-term leases and rental agreements tied to a fixed location. Instead of conserving capital for other projects, this way of procuring office space is capital intensive in terms of the expenditure needed on leases, rental

deposits, facilities improvements and liabilities for dilapidations. One entrepreneur with headquarters in Guernsey has built a network of 28 serviced offices by offering an alternative property solution. ‘I saw an opportunity for high quality serviced offices on terms that match the way the most demanding businesses operate,’ said Philip Grace, founder and chief executive officer of i2Office Guernsey. ‘That means we are able to offer offices by the hour, the day, the week or the year, without the need to tie up capital in rental deposit agreements and leases.’ According to Philip, over the last five years, serviced offices have become the property solution of choice for both small and medium enterprises (SMEs) and corporate clients worldwide because they offer a flexible and lower cost alternative.

i2 O F F IC E

The pay-as-you-use approach to space rental gives modern businesses the flexibility they need to execute their strategies for growth and meet the needs of clients. Serviced offices also remove the distraction and expense of companies having to manage their property and the associated support services and allows them to focus on their core operations. Data from the UK’s Building Services Research and Information Association suggests that the average cost for

‘i2Office’s low monthly charges include rent, service charge, TRP, heating and lighting,’ points out Philip. ‘Costs are further reduced because the shared common facilities in a serviced office result in a smaller net space requirement. With zero capital expenditure, no dilapidations liability and immediate availability, serviced offices are now a viable option for new companies coming to the island or existing companies looking to expand or take advantage of lease breaks.’

guests or theatre-style gatherings for up to 150 attendees. ‘Guernsey was chosen as our first development outside the UK mainland because it is a truly international financial centre. With a vibrant and expanding economy, plus high quality of life, Guernsey offers i2Office a superb platform for future international expansion,’ said Philip.

The new offices can accommodate all sizes of operations, from small teams of startup

maintaining office space – including the time and money spent on hiring cleaners, technicians, security and other facilities support staff – can run to over £20 per square metre of gross internal area. By contrast, in a serviced office solution, these costs are all included in the monthly fee with no management time spent on coordinating these varied facilities services. In December 2014, i2Office launched the first prestige serviced offices in Guernsey following the opening of over 20,000 square feet of Grade A space on St Julian’s Avenue. The newly opened serviced offices in Royal Chambers in the heart of the financial district have superb views over the harbour. i2Office has configured the space to offer a combination of high quality serviced offices for rental on flexible, competitive terms with top-grade technology services, including superfast broadband via a 100MB data line and the latest MITEL walk around telephone handsets. 54

workers to companies looking to house more than 50 people, either for a project or for a long-term real estate solution. Clients of the new facility will have access to the on-site business lounge as well as the meeting rooms and café area, all located in the rotunda area of the business centre. The café at the new i2Office business centre will house the first Starbucks outlet in the Channel Islands. The new facility will create jobs for around 15 people and recruiting will begin soon. The Guernsey Starbucks will have seating for 65 guests inside with supplementary external tables. The coffee bar will be open to the general public as well as to clients of i2Office Guernsey. In addition to the serviced offices proposition, i2Office’s Guernsey centre is also offering a range of meeting room services with full catering support. The meeting rooms can accommodate roundtable gatherings for two to three people, board meetings for two to 20

www.i2office.gg

For more information on i2Office Guernsey, contact:

Michelle Morley, General Manager, i2 Office on 01481 760007

Michelle.Morley@i2office.co.uk

G R U M PY OLD (WO)MA N

grumpy Mike Brown is

old (wo)man.

Patchy service levels, ghostly entertainment and being told off by your own children â&#x20AC;&#x201C; some of the things Mike Brown wanted to get off his chest. Mike is this issueâ&#x20AC;&#x2122;s Grumpy old (wo)man

G R U M PY OLD (WO)MA N As former chief executive of the States of Guernsey – or States’ supervisor as the role was known when he first took up the position – Mike has undoubtedly experienced a few things over the years that irritated him. Now retired, following a long successful career in the Guernsey civil service, he still plays an active role in the local business community, as well as being kept busy by his young family and his recently acquired Cockapoo puppy. Mike is not someone you would really put into the ‘grumpy’ category, but, like the rest of us, there are a few things that get under his skin.

‘I totally accept that there will be a small premium to pay at times to support local retailers. But the continual rationale of ‘freight costs’ that is used to justify price differences can only go so far. To give a specific example, I was shopping for some electronic goods quite recently and I spent some time researching prices locally and online (the accountant in me still surfaces from time-to -time). Again I was keen to support a local outlet. But having found what I was looking for I was amazed to discover the goods in question were being offered locally for about twice the price compared with an online site – and to compound the issue, the model offered in Guernsey was one or

Bad – or even average – customer service delivery is one of the things that Mike finds hard to tolerate. ‘It seems to me that you can often get things done a lot quicker in the UK than in Guernsey. It’s not right across the board but I have certainly had some experience of pretty indifferent attitudes to customer service. I think that the island has to be aware of the danger of becoming a bit complacent. We have benefited from the pretty comfortable lifestyle that Guernsey’s s uccessful and vibrant economy has delivered to the local population but we have to be careful not to take things for granted. It’s a very competitive world out there.’ As far as technology in business is concerned, Mike’s view is quite simple. ‘The online phenomenon is only going to grow. The internet and all things digital are here to stay. So I have to confess that I do get irritated when I hear people complaining about how the internet is destroying their profit line – which we hear particularly from the retail sector. The online world has changed, and will continue to change, how people do business. Rather than complain about it, businesses across all sectors must embrace it. Modern technologies have destroyed geographical boundaries and can extend a company’s marketing reach significantly. A local business that I am involved in has benefited greatly by exploiting online marketing. It is now providing its services to markets that would have been unthinkable a few years ago without a physical presence. The internet is part of life now and Guernsey must use it to full advantage rather than hope it will go away.’ Retail pricing is something else Mike feels strongly about.

opened on a device other than a PC. Online streaming, innumerable choices when it comes to channel selection have changed the landscape entirely. For Mike there is a bit of an issue about the balance of old and new with regard to content. ‘We are entertained by ghosts these days. Every time I turn on a radio I hear Debbie Harry and the TV is full of old films and repeats from the ‘70s and ‘80s. Don’t get me wrong, I am actually a bit of a closet Debbie Harry fan, and classic black and white movies have their place. But I just think that the balance is a bit skewed.’ And tablets give Mike another challenge that is faced by so many parents on a day-to-day basis.

Have you ever been told off by a six-yearold for playing your music too loud? What is that all about? And my daughter is obviously already far too health conscious and tutted at me the other day when she caught me putting red milkon my cornflakes! two ‘generations’ behind. I would like to think this was an isolated incident but …’ Consumption of TV and radio entertainment has, as we all know, changed incredibly in recent years - particularly with the proliferation of the mobile devices that now surround us. Some sources suggest that 90% of internet users will access it from a mobile device by 2017 (currently around 70%) and already around 50% of emails are

‘Entertainment for children these days is almost all on screen whether it’s social media, TV or the latest version of Minecraft. We try to ‘ration’ time spent on tablets and phones in our house – quite tricky with a six and an 11-year-old. These devices have their place and I would struggle to cope without one - but again it’s a question of balance and we have to try to avoid them becoming totally intrusive.’ Role reversal or role-play was probably something that was very familiar to Mike on the numerous courses that he no doubt attended during his civil service career. His more recent experience of it is something quite different and something he finds more amusing than irritating. ‘Have you ever been told off by a six-year-old for playing your music too loud? What is that all about? And my daughter is obviously already far too health conscious and tutted at me the other day when she caught me putting red milk on my cornflakes!’ Mike is far from being in his dotage but he laughs at his experience of the ageing process. ‘I suppose no one likes getting old. For me it was as much of a shock as anything. I remember being in a rush to get a few groceries (including red milk) and becoming a bit impatient at the aisles at Checkers (as it was then) being blocked by lots of ‘older’ people shopping on a Wednesday when all the younger people like me were busy at work. Then in the blink of an eye, I am one of them.’

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A LL I N A DAY’ S WORK

All in a day’s work Being well organised, having an ‘open door’ policy in the office, and cappuccino coffee are just three of the things that help Katie Blampied through the working day. Contact caught up with her – unsurprisingly over coffee – to find out what constitutes her working day.

ALL I N A DAY ’ S WOR K

Katie runs Coast Media, a design and advertising agency that she set up in 2007 with business partner Barry Wells and which employs eight staff.

in the air this is really important and one of my daily tasks is to check deadlines are hit and liaising with suppliers to make sure they are also on track.’

With responsibility both for client account handling as well as running the business, Katie’s day can throw anything into the mix and generally offers variety, sometimes creates surprises and always involves enjoyment.

Katie has tried to create a relaxed working environment at Coast and is a strong believer in devolving responsibility to her team.

‘I consider myself very lucky because I absolutely love what I do. I know it’s a cliché but there is no such thing as a typical day for me. One minute I can be checking over an advert or giving my opinion on a new logo, the next preparing a new business proposal, having a team meeting or taking a client call.’ Katie’s day normally starts at 5.30am and before she arrives at the office soon after 8am she has already walked the dog, completed an hour or so’s work at home and picked up the much-needed cappuccino en route.

We all share the same passion about delivering great client service and responding promptly to client emails and queries which is so important no matter what sector you work in.

‘That first hour’s work is a good time to catch up with some of the administrative tasks that come with running a business. I do tend to do a lot of that work from home, but that’s par for the course and I don’t mind in the least. I’m not human until after the first coffee of the day so a stop-off at Waitrose has become a bit of a ritual.’ Katie’s work philosophy is always to be available to staff and clients alike. ‘The office is open plan which I think is so much better for sharing ideas and general collaboration. I like to be available to help or advise if any of the team has questions, or an issue to deal with. We all share the same passion about delivering great client service and responding promptly to client emails and queries which is so important no matter what sector you work in. ‘I consider myself as being well organised – though you wouldn’t necessarily think that if you saw my desk. Having a comprehensive ‘to do’ list and, where possible, planning ahead are both key to ensuring that things don’t slip through the net. With so many balls

‘I think it’s so essential to trust people to get on with things. I am quite particular and very thorough in my approach but at the same time I can’t be looking over shoulders at every minute of the day. I also think that it’s important to ‘muck in’ at every level so I will answer the phone (I have been referred to previously as Chris George’s PA on more than one occasion!), make the tea or do anything else that’s needed. Coast is essentially my second family.

when she might expect her James Last CD to be delivered. We were on the phone for a good five minutes trying to work out who she needed to call. I never did find out if it arrived in the end.’ When it comes to ‘switching off’ Katie is typical of most business owners – it can be difficult. ‘I try to switch off completely on a Friday evening though sometimes I will catch up with some admin over the weekend. And I have to confess to checking emails on holiday but I don’t spend the whole time worrying about work – I have a team back in the office to do that. It is essential to take a break to re-charge the batteries.’ Katie couldn’t think of anything she has to do in the day that she doesn’t like. Her ‘favourites’ list on the other hand was quite long. ‘This might sound ridiculous but I love looking at new paper stock samples and I look forward to our favourite paper merchant visiting. There is something quite exciting about seeing a print project completed when you have a fabulous new brochure in your hand. We undertake a fair amount of work for digital use now and I am excited about the new opportunities that technology continues to create. But for me there will always be a place for the printed word too. ‘I also love being part of a new business launch, helping to create the branding, developing its first website then watching it grow and develop, knowing we were there at the start. It’s a great feeling.’ The other ‘regular’ in Katie’s day is taking her shih tzu Pepper, who is very much part of the Coast family, for a lunchtime walk around the block. ‘It clears my head and gets me out of the office for 15 or 20 minutes every day.’

‘On one occasion I picked up a call quite late in the day from an elderly lady, who had clearly got the wrong number, asking

I F I W ER E IN C HA RGE

in charge If I were

Ever imagined yourself in the ‘big seat’ with the power and ability to make changes, influence futures and … well what else would you do? Contact asked Jo Delbridge, Specsavers’ director of public relations, how she might behave and what people might think of her if she were pounding the corridors of power.

I F I W E RE I N CH ARGE

What type of leader do you think you would make?

Who would make up your cabinet or policy council?

A very organised one, or as my husband calls it… ‘bossy’. Actually, my team at Specsavers might agree with him!

Simon Cowell – he is a decision maker who gets things done and isn’t afraid of what people think of him – he’s his own man!

The skill(s) I have that would be key in the role…

Malala Yousafzai – she is an influential communicator, an educational activist and above all a humanitarian who understands what young people need. We need more young voices in politics.

Delegation and decisiveness. One of the hardest career lessons for a control freak like me has been to learn to delegate and to trust my team. Dame Mary Perkins always says that you can’t be good at everything and the success of Specsavers is very much down to employing people with the appropriate skills to take the business forward. Enabling people to be the best that they can be is a critical attribute for any leader. What’s the one thing you would change on day one (however small)? Reduce the number of deputies. One thing you learn in business is that the bigger the committee the less likely it is to reach a quick decision! What’s your view of the current political structure and its suitability to take Guernsey through the next decade? What improvements would you make? See above! We need to let go of the rosy image of Guernsey as it was in the 50s and 60s in its tourism and horticultural heyday, and embrace a new vision for our future. It wouldn’t do any harm to consider how other successful island communities operate rather than be forever looking inwards or backwards. We also seem to nurture a great capacity for having the same debate over and over again – paid parking anyone? What’s your position on party politics in relation to Guernsey? Wow! What would each party manifesto look like? Would there be the ‘ship our waste to Jersey’ party and the ‘ban the 11-plus’ party? It is hard to imagine what issues would unite each group and how you would segregate them. I imagine that one of the good things about Guernsey politics is that our representatives do get to vote on single issues and we can support them, or not, accordingly.

I would add my step-son Jake Delbridge to that mix, he has a wise and very clever head on his young shoulders, is passionate about politics and often views things from a different perspective. And alongside him my nephew Jack, who is studying pharmacology at Cambridge and who has been given a brief by his Aunty Jo to discover an anti-ageing pill pretty damn quickly! Jeff Bezos, the chief executive of Amazon, for his business and technology acumen. We live in an age of digital communications and consumerism and our small towns need to rethink their offering – times have changed, whether people like it or not. England’s first female physician, Elizabeth Garrett Anderson, who opened the New Hospital for Women in London in 1872 – someone needs to shake up the health service and get to grips with our ageing population! Finally, Nelson Mandela for his ability to unite people, and for his energy and optimism – I am a great believer in having a half full glass! If I were in charge there would be no more… Prevaricating! Every decision carries risk, and sometimes we may get things wrong. The dichotomy of being a politician in Guernsey is the need to be popular with the electorate, but have to sometimes make unpopular decisions. It means we often put off what we need to just get on with so the sooner it will become an accepted part of day-to-day life. We have led the way in so many things, like banning smoking in public spaces – I can’t imagine sitting in a restaurant now with someone puffing away next to

me – and bags for life. We should embrace that spirit of change and apply it to more areas of island life. Pour and contre – bring in electronic voting with results published immediately online for all to see and get with the 21st century for goodness sake! Chewing gum! It has always been one of my pet hates – the way people think it is perfectly acceptable to spit it out on the street to despoil our roads and pavements – yuk! Actually, can I extend that to all litter and recycling generally… we are so privileged to live in such a beautiful little island, in such an affluent part of the world, it is just downright disrespectful to cover it with rubbish. Which world leader/influencer would you model yourself on or wish to emulate and why? The people who have influenced history, who are most remembered and admired, always appear to have great emotional intelligence. It is why Mandela and Aung San Suu Kyi and the Dalai Lama are icons of our times. Their capacity to forgive, to understand what drives people and to empathise, elevated them from the rest of us selfish mortals. One of my father’s sayings was ‘It’s nice to be nice’ and that is very true – we all need to be kinder to each other. People would love or hate me as their leader because… I always like to have the last word but I have a well-developed sense of humour – necessary when you are the eldest of four siblings! But if I didn’t get the job then who should? Sadly, I can’t think of any current political leader who I think does an amazing job. Despite huge improvements in education, science, technology, healthcare and communication, we still have global poverty, starvation, epidemics, war and terrorism – we have learned so much but changed so little of what matters for a peaceable world. And it’s a mantel my shoulders are way too narrow to wear.

IN D I VI DUA L ME MBE R S Mr Richard Burwood rmburwood@gmail.com

07911 717021

Mr Stephen Jones jonessm@guernsey.net

235851

Mr David Byers davidbyers@ftml.net

233151

Mr Ronald Knight rgknight@cwgsy.net

715150

Mr Paul Luxon pluxon@gmail.com

Ms Fionnuala Carvill fionnuala.carvill@kleinwortbenson.com

07911 103460

Mr Geoff Colclough gccolclough@yahoo.co.uk

239372

Mr Nick McCathie Nick.McCathie@mccathie.gg

266808

Mr Mike Collins mcollins@suremail.gg

267167

Ms Carla McNulty Bauer carlamcnultybauer@cwgsy.net

723276

Mr Robert Cooney cooney@guernsey.net

256720

Mr Steve Park stevepark@guernsey.net

247592

Mr Peter Cornell peter.cornell@metric-capital.com

07824 504298

Mr Tim Robins robins@cwgsy.net

256625

Mr John Curran johnnypcurran@hotmail.com

07781 125047

Mr Roy Sarre madroy@cwgsy.net

263930

Mr Peter Daley peter_daley44@hotmail.com

724000

Mr Tomaz Slivnik slivnik@tomaz.name

07911 727642

Ms Rebbeca Elliott becky.elliott@kaybooksonline.co.uk

240613

Mr Jeremy C S F Smithies smithies@guernsey.net

246675

Mr John Stares j_stares@hotmail.com

232790

Mr Mark Eban meband@spencerstuart.com

02702 298 8304

Mr Daniel de Lisle daniel.delisle@cwgsy.net

266338

Mr Martin John Storey martin.msci@cwgsy.net

736917

Mr Rupert Dorey rupertdorey@mac.com

230711

Mr Carl Symes carl@carlsymes.com

724290

Mr Fergus Dunlop dunlop@guernsey.net

07781 117980

Ms Jenny Tasker jenny@taskeronline.com

701528

Mr Bernard Flouquet bernard@flouquet.com

254326

Mr Alex Taylor crozatier@gmail.com

233370

Mr Julyan Gardener-Wheeler jgw@consultant.com

266188

Mrs Gillian Tidd sassafras@guernsey.net

258402

Mr Mike Garrett garrett@cwgsy.net

258227

Mr Jeff Vidamour jvidamour@cwgsy.net

267048

Deputy John Gollop johngollop@cwgsy.net

715099

Mr Tony Webber anthonywebber@cwgsy.net

Mr Larry Granger larrygranger@cwgsy.net

251168

Mrs Ann-Margaret Whitaker offshore.properties@cwgsy.net

700386

Mr Peter Hobbs pnhobbs@hotmail.com

230876

Mr Hans R Wust hrw@cwgsy.net

245134

Mrs Anne Hough annehough1@gmail.com

712744

07781 166349

Please note that many members have yet to return their member details form to the Chamber office. Therefore some entries in this directory are incomplete and without categorisation. Please return the form to Nicole.bromley@guernseychamber.com or contact her on (01481) 727483 with any queries.

D I RE CT ORY

2mi Financial Services Limited Sean Martin sean@2mi.gg

Financial Services 01481 726277 www.2mi.gg

A1 Distributors Ltd Sue Lesbirel orders@a1.gg

Distributors 01481 726556 www.a1.gg

ABN Amro (GUERNSEY) LTD Financial Services Judy Snell 01481 751000 info@gg.abnamro.com www.abnamroprivatebanking.gg abt Alex Denoual enquiries@guernseylegal.com

Legal Services 01481 724124 www.guernseylegal.com

Active Group Ltd Financial Services Jo Carré 01481 711822 info@activeoffshore.com www.activeoffshore.com Education & Training 01481 251095

Admiral Training & Development Corporation Derek Knowles admiral@guernsey.net

AFR Advocates Legal Services Vicky Woodward 01481 743999 info@afradvocates.com www.afradvocates.com Aircraft Servicing (Guernsey) Ltd Mark Parr info@flyasg.co.uk

Trades 01481 265750 www.flyasg.co.uk

Airtel-Vodafone Ltd Telecommunications Ian Campbell 01481 520121 121@airtel-vodafone.com www.airtel-vodafone.com Albany Trustee Company Ltd Anthony Holt info@albanytrustee.com

Financial Services 01481 724136 www.albanytrustee.com Financial Services 01481 740300 www.albecq.com

Albecq Trust Company Limited Mik Underdown info@albecq.com

Alderney Shipping Group Distributors Bruno Kay-Mouat 01481 724810 questions@alderneyshipping.com www.alderneyshipping.com Retail 01481 246827 www.alliance.gg

Alliance Ltd Andrew Bagot alliance@cwgsy.net

Property 01481 729891 www.alphaestates.net

Alpha Estates Ltd David Ingrouille david@alphaestates.net Alternative Solutions Ltd Neil Jordan solved@asl.gg Amalgamated Facilities Management Ltd Darren Etasse enquiries@amalgamatedfm.com

Business Services 01481 252111 www.amalgamatedfm.com

Retail 01481 253088 www. annandale.gg

Annandale Ltd Richard Ogier richardo@annandale.gg

Financial Services 01481 722260 www.anson-group.com

AO Hall Advocates Sarah Bourgaize info@aohall.com AP Group Ltd Andrew Cullen info@apgroupglobal.com

Financial Services 01481 810000 www.apaxpartners.us.com

Appleby Legal Services Gavin Ferguson 01481 755600 guernsey@applebyglobal.com www.applebyglobal.com Aquarius Accounting Services Limited Tracey Van Zanten tracey@aquariusaccounting.gg

Financial Services 01481 715611 www.aquariusaccounting.gg

Aquastar Ltd Geoff Wilson aquastar@guernsey.net

Marine 01481 244550 www.aquastar.gg Home & Garden 01481 265296

Arborcraft Ltd Jonathan Skillett arborcraft@cwgsy.net

Archivist Business Services Bryan Smitheram 01481 251484 office@archiviststorage.com www.archiviststorage.com Armstrong Continuity Chris Oliver info@armstrong-continuity.com Arrowsmith Marlowe Holdings (1980) Ltd Tracy Guille tracyasmlaundry@suremail.gg

Consultants 01481 251683 www.armstrong-continuty.com Cleaners 01481 728801 www.angoragroup.co.uk

Artemis Trustees Ltd Robert Sinclair info@artemisci.com

Financial Services 01481 729466 www.artemisci.com

Aslett Architects Ltd Liz Aslett info@aslettarchitects.co.uk

Architects & Surveyors 01481 736441 www.aslettarchitects.co.uk

Atec Engineering Ltd Adrian Marsh atec@cwgsy.net

Trades 01481 244977

Atlantis Marine Ltd Patrick Wheeler info@atlantismarine.biz

Marine 01481 258514 www.atlantismarine.biz

Atlas Offshore Ltd David Thompson info@atlasguernsey.com

Recruitment, HR & Payroll 01481 730500 www.atlasguernsey.com

Aurigny Air Services Clive Acton res@aurigny.com

Travel 01481 266444 www.aurigny.com

Avenue Flowers & Design Retail Alison Lythgoe 01481 724442 florist@avenueflowers.net www.avenueflowers.net AWS Design & Sign Group Steve Free awsgroup@cwgsy.net

Advertising & Marketing 01481 728283

Retail 01481 245713

Amyson’s (1978) Ltd Dennis Steer

Anson Group Ltd John Le Prevost reception@anson-group.com

IT & Computing 01481 701234 www.asl.gg

Apax Partners Guernsey Limited Denise Fallaize denise.fallaize@apax.com

Legal Services 01481 723723 www.aohall.com

Recruitment, HR & Payroll 01481 715757 www.apgroupglobal.com

B&Q (Retail) Ltd Michael Penney moneypenney@cwgsy.net

Retail 01481 713005 www.diy.com

Babbé Legal Services Simon Howitt 01481 713371 mail@babbelegal.com www.babbelegal.com Babbé McCathie Don Babbé admin@bmlgsy.com

Trades 01481 714344 www.bmlgsy.com

Recruitment, HR & Payroll 01481 731059 www.bachmannhr.com

BachmannHR Group Nicky Addlesee bmpsl@bachmanngroup.com

Bailiwick Of Guernsey Guild Of Accredited Guides Leisure Carla Bauer 01481 723276 carla.bauer@cwgsy.net www.guernseyguidedtours.com Financial Services 01481 725147 www.jsafrasarasin.com

Bank J Safra Sarasin Ltd Guernsey Branch Nikki Tanguy nikki.tanguy@jsafrasarasin.com

Financial Services 01481 726618 www.juliusbaer.com

Bank Julius Baer & Co Ltd Tony Crawley tony.crawley@juliusbaer.com Bank Of Cyprus (CI) Ltd Andrew Dempster info@gg.bankofcyprus.com

Financial Services 01481 716026

Barclays Private Clients International Ltd Simon Veron simon.veron@barclayswealth.com

Financial Services 01481 755367 www.barclayswealth.com

Barclays Wealth Financial Services Garry Dayes 01481 755367 garry.dayes@barclayswealth.com www.barclayswealth.com Barras Car Centre Ltd Motoring & Biking Martyn Torode 01481 249915 martyn@barrascarcentre.co.uk www.barrascarcentre.co.uk Baudains Trade Supplies (BTS) Retail Peter Baudains 01481 248822 sales@btsgsy.com www.btsgsy.com BDO Limited Fiona McKane mail@bdo.gg

Financial Services 01481 724561 www.bdo.gg

Beckfordâ&#x20AC;&#x2122;s Funeral Services Ltd Funeral Services & Monumental Works Jane Duquemin 01481 264202 enquiries@beckfords.com www.beckfords.com Bedell Cristin Mark Helyar annie.zunino@bedellgroup.com

Legal Services 01481 812812 www.bedellgroup.com

Bella Luce Hotel & Spa Luke Wheadon wakeup@bellalucehotel.com

Hotels, Guest Houses & B&Bs 01481 238764 www.bellalucehotel.com

Best Books Ltd Colin Langlois admin@bestbooks.gg Betley Whitehorne Image Chris Betley guernsey@wearebwi.com

Financial Services 01481 253332 www.bestbooks.gg

Advertising & Marketing 01481 723456 www.wearebwi.com

Betway Limited, Guernsey Branch Leisure Bridget Jennings 01481 746411 guernsey@betway.com www.betway.com Black Horse Offshore Ltd Phillip Le Cheminant phillip.lecheminant@blackhorse.co.uk Black Vanilla Jade Isabelle hello@black-vanilla.gg

Financial Services 01481 710411 Advertising & Marketing 01481 729229 www.black-vanilla.gg

Blanchard Building Supplies James Roberts jamesr@blanchard-ald.com

Retail 01481 822722

Blenheim Group Alasdair Milroy info@blenheimgroup.com

Financial Services 01481 715200 www.blenheimgroup.com

Bleu IT Consultants Limited Matt Le Huray info@bleuit.com Blix Ltd Dominic Bennett hello@blix.co

IT & Computing 01481 746770 www.bleuit.com Advertising & Marketing 01481 706740 www.blix.co

Retail 01481 210280 www.bluediamond.gg

Blue Diamond Ltd Alan Roper alan@bluediamond.gg

Boatworks + Marine Mark Nightingale 01481 726071 info@boatworksguernsey.com www.boatworksguernsey.com Architects & Surveyors 01481 239800 www.bonhamandbonham.gg

Bonham & Bonham Olly Brock contactus@bonhamandbonham.gg Bonsai Group Mathew Rolfe info@bonsaigroup.gg

Home & Garden 01481 200011 www.bonsaigroup.gg Financial Services 01481 726655 www.booksandcompany.gg

Books & Company Ltd John Merrien enquiries@booksandcompany.gg Bordage Monumental Works Ltd Martyn Renouf

Funeral Services & Monumental Works 01481 721415

Bordeaux Services (Gsy) Ltd Financial Services Peter Radford 01481 715167 bordeaux@bordeauxservices.com www.bordeauxservices.com Boulangerie Victor Hugo Reda Karim boulangerievh@cwgsy.net

Food & Drink 01481 714714 www.boulangerie.gg Education & Training 01481 266176 www.bpp.com/guernsey

BPP Professional Education Sarah Colley guernseyinfo@bpp.com Brehon Ltd Sarah Hancock accountants@brehon.co.uk

Financial Services 01481 233009 www.brehon.co.uk

Brewin Dolphin Ltd Adrian Clayton adrian.clayton@brewin.co.uk

Financial Services 01481 736682 www.brewin.co.uk Health & Beauty 01481 245357 www.bridgedental.gg

Bridge Dental Clinic Anne Richardson reception@bridgedental.gg Bridgewater Limited Barry Le Pelley admin@bridgewater.co.gg

Financial Services 01481 722221 www.bridgewater.co.gg

Brittain Hadley Partnership Graham Hollingsworth guernsey@bhg.eu.com

Architects & Surveyors 01481 713573 www.brittain-hadley.com

Brooks Macdonald Group Jayne Warren guernsey@brooksmacdonald.com

Financial Services 01481 815555 www.brooksmacdonald.com

Browns Advocates Adrian Brown enquiries@brownsadvocates.com

Legal Services 01481 740002 www.brownsadvocates.com

BSG Resources Limited Trades Peter Driver 01481 812000 info@bsgresources.gg www.bsgresources.com Bumblebee Marine Ltd Dan Meinke skipper@bumblebee.gg Butterfield Bank (Guernsey) Ltd John Robinson guernsey@butterfieldgroup.com

Leisure 01481 720200 www.bumblebee.gg Financial Services 01481 711521 www.gg.butterfieldgroup.com

BWCI Group Financial Services Stephen Ainsworth 01481 728432 mail@bwcigroup.com www.bwcigroup.com

Channel Welders Ltd Toni Clayton enquiries@channelwelders.gg

C IT & Computing 01481 722575 www.c5alliance.com

C5 Alliance Limited Marc LainĂŠ enquiries@c5alliance.com

Calligo Ltd IT & Computing Andrew Wicks 01481 731775 info@calligo.net www.calligo.net Canaccord Genuity Wealth Management Financial Servces Andy Finch 01481 712889 cgwm_offshore@canaccord.com www.canaccordgenuity.com Retail 01481 245897 www.capelles.co.uk

Capelles Building Stores Limited Andy Le Flem sales@capelles.co.uk Capital Pvc Building Supplies Ltd Andre Lenormand capitalpvc@cwgsy.net Careers Events Limited Anthony Reynolds info@careersevents.co.uk

Retail 01481 726151

Education & Training 01481 727100 www.careersevents.co.uk

Carey Group Financial Services Tim Bush 01481 737203 info@careygroup.gg www.careygroup.gg Carey Olsen Emma Mauger emma.mauger@careyolsen.com

Legal Services 01481 727272 www.careyolsen.com

Catherine Best Retail Paul Freeman 01481 237771 sales@catherinebest.com www.catherinebest.com Cazenove Capital Management Julian Winser julian.winser@cazenovecapital.com

Financial Services 01481 703700 www.cazenovecapital.com

CBL Consulting Nick Barton admin@campbell-bloese.com

01481 244433 www.campbell-bloese.com

CBO Projects Consultants Philip Smith 07781 128208 philip.smith@cboprojects.com www.cboprojects.com Chain Limited, The Carl Ceillam info@chainci.com

Security 01481 257008 www.chainci.com

Channel Island Ceramics Home & Garden John Litchfield 01481 234000 mail@channelislandceramics.com www.channelislandceramics.com Channel Island Toys Andrew Deane sales@channel-teddy.co.uk

Retail 01481 723871 www.channelteddy.co.uk

Channel Islands Competition and Regulatory Authorites Utilities Regulator Lisa White 01481 711120 info@cicra.gg www.cicra.gg Channel Islands Co-operative Society Ltd Retail Colin Macleod 01534 879822 customer.relations@channelislands.coop www.channelislands.coop Channel Islands Motor Factors Ltd Nigel Robert nigel.roberts@cimotorfactors.com

Motoring & Biking 01481 248411

Channel Islands Securities Exchange Financial Services Georgina Sines 01481 713831 georgina.sines@cisx.com www.cisx.com Channel Islands Skills Academy Education & Training Susie Crowder 01481 244904 susie@cisa.gg www.cisa.gg Channel Islands Training & Development Stephanie Bass mail@citd.co.uk

Education & Training 01534 737701 www@citd.co.uk

Retail 01481 246262 www.channelwelders.gg Property 01481 244544 www.chateaux.gg

Chateaux Estate Agency Ltd David Corson info@chateaux.gg Cherry Godfrey Insurance Services Ltd David Cherry admin@cherrygodfrey.com

Insurance Providers 01481 711666 www.cherrygodfrey.com

Chescoe Chartered Surveyors & Architects Architects & Surveyors Nigel Chescoe 01481 713137 enquiries@chescoe.com www.chescoecharteredsurveyors.com Food & Drink 01481 724379 www.christies.gg

Christies Leisure Group manager@christies,gg CI Lighting Ltd Roy Rogers cilighting@cwgsy.net

Retail 01481 728911 Financial Services 01481 725020 www.cia.gg

CIA Limited Nick England info@cia.gg

Claire Boscq-Scott Customer Services Business Services Claire Boscq-Scott 07797 828950 contact@cbs4starservices.com www.cbscustomerservices.com Insurance Providers 01481 728987 www.cglloyds.co.uk

Clegg Gifford & Co Ltd Cilla Thompson office@cgguernsey.com

Financial Services 01481 740205 www.cleland.gg

Cleland & Co Ltd Harry Dick-Cleland info@cleland.gg

Climate Controls Ltd Agriculture & Hortliculture B H Bisson 01481 263860 mail@climate-controls.com www.climate-controls.com Clos De Vaul Creux Leigh Gibbins eng@closdevaulcreux.co.uk

Hotels, Guest Houses and B&Bs 01481 832527 www.closdevaulcreux.co.uk

Coast Media Katie Blampied katie@coast.gg

Advertising & Marketing 01481 735450 www.coast.gg

Cogent Ltd Nick Ferris mail@cogentlimited.com

Financial Services 01481 706780 www.cogentlimited.com

Collaborate Communications Advertising & Marketing Julie Todd 01481 715222 julie@collaboratecommunications.com www.collaboratecommunications.com Legal Services 01481 723191 www.collascrill.com

Collas Crill Iain Beresford guernsey@collascrill.com

Financial Services 01481 246324 www.cjco.gg

Collenette Jones Ltd Gareth Nicolle mail@cjco.gg Comprop (C.I.) Limited Steve Marie enquiries@compropci.com

Property 01534 631409 www.compropi.com

Condor Ferries Travel Russell Kew 01481 729666 reservations@condorferries.com www.condorferries.com Consult & Build Trades Tim Guilbert 07781 148741 tcg@cwgsy.net www.collaboratecommunications.com Cooper Brouard Limited Property Matt Brouard 01481 236039 enq@cooperbrouard.com www.cooperbrouard.com Coppolo & Coyde Limited Jonathan Coyde info@copcoy.com

Health & Safety Specialists 01481 247248 www.copcoy.com

Cranfords Estate Agency Dominic Bacon sales@cranfords.co.uk Cream Services (Guernsey) Ltd Pieter Kluyver p.kluyver@guernsey-cream.com Creaseys and Son Ltd Anthony Creasey anthony.creasey@creaseys.com

Property 01481 243878 www.cranfords.co.uk Distributors +44 (00) 31-6-53739414 www.guernsey-cream.com Retail 01481 720203 www.creaseys.com

Recruitment, HR & Payroll 01481 255588 www.dpslocums.com

DPS Global Healthcare Recruitment Roger Seaforth rseaforth@guernsey.net

Financial Services 01481 723996 www.dixcart.com

Dixcart Trust Corp Ltd John Nelson advice.guernsey@dixcart.com

Dominion Fund Management Limited Financial Services Jason Le Roux 01481 734342 investorservices@dominion-funds.com www.dominion-funds.com

Create Limited Architects & Surveyors James Barker 01481 259333 info@create-architecture.com www.create-architecture.com

Dorey Financial Modelling Martyn Dorey martyn.dorey@doreyltd.com

Credit Suisse (Channel Islands) Ltd Financial Services Peter Webber 01481 719000 guernsey.location@credit-suisse.com www.credit-suisse.com

Dorey Lyle & Ashman Ltd Adrian Ashman home@dla.gg

Credit Suisse Trust AG Financial Services Anne Bigeard 01481 719100 guernsey.location@credit-suisse.com www.credit-suisse.com

Doyle Motors Ltd Pierre J Payne pierre@doylemotors.co.uk

CCD Chartered Architects Architects & Surveyors Andrew Dyke 01481 726461 mail@ccd-architects.com www.ccd-architects.com

Duke Of Normandie Hotel Alan Sillett enquiries@dukeofnormandie.com

Hotels, Guest Houses & B&Bs 01481 721431 www.dukeofnormandie.com

Duke of Richmond Hotel Lukas Laubscher reservations@dukeofrichmond.com

Hotels, Guest Houses & B&Bs 01481 726221 www.dukeofrichmond.com

Criteria Wealth Managment Mark Penney info@criteriawm.com Crowd Media Jo Porritt hello@crowdmedia.co.uk Crowd Training Academy Jo Porritt hello@crowdtraining.me

Financial Services 01481 726375 www.criteriawm.com Advertising & Marketing 01481 721632 www.crowdmedia.co.uk Education & Training 01481 721632 www.crowdtraining.me

CT Freight (CI) Ltd Christopher Torode ctfreight@cwgsy.net

Distributors 01481 201121

CT Plus Lee Murphy guernsey@htcgroup.org

Travel 01481 700456 www.buses.gg

Da Nello Ltd Nello Ciotti danello@cwgsy.net

Deloitte LLP Rick Garrard gbranch@deloitte.co.uk Deutsche Bank International Ltd Michael McKay michael.mckay@db.com Delta Training & Consultancy Dawn Bagnall info@guernseyfirstaid.com Digimap Ltd Colin Le Conte admin@digimap.gg

Motoring & Biking 01481 724025 www.doylemotors.co.uk

Retail 01481 246844 www.dwaflooring.com

DW Arundell and Co Ltd Penny Wilson dwa@dwaflooring.com

Financial Services 01481 722322 www.eisturdza.com Consultants 01481 712826 www.east-harbour.com

East Harbour Associates Ltd Jonathan Guillemet info@east-harbour.com Business Services 01481 740214 Food & Drink 01481 721552 www.danello.gg

David Jackson Accountant and Financial Manager Financial Services David Jackson 07781 105457 davidjackson@cwgsy.net www.guernseyfinancialmanager.com De Jersey, B R B R De Jersey bdejersey@cwgsy.net

Trades 01481 258123 www.dla.gg

E I Sturdza Strategic Management Limited Adam Turberville info@eisturdza.com

D D.D.S. Archive Storage Ltd J B Kempson ddsarchive@cwgsy.net

Financial Services 01481 729044 www.doreyltd.com

Home & Garden 01481 247356 Financial Services 01481 724011 www.deloitte.co.uk Financial Services 01481 702000 www.db-ci.com Education & Training 07839 123011 www.guernseyfirstaid.com Mapping 01481 700321 www.digimap.gg

Financial Services 01481 721069

Eaton Place Investments Ltd Ondrej Faborsky centrumgsy@aol.com Ec events Marguerite Talmage admin@ec-jersey.com

Event & Venue Services 07911 719081 www.ec-jersey.com

Ecoscreed (CI) Limited Trades Andy Allen 07781 457217 info@ecoscreedci.com www.ecoscreedci.com Financial Services 01481 716336 www.groupedr.gg

Edmond de Rothschild Asset Management Ltd Stuart Perfitt info@groupedr.gg

Financial Services 01481 723432 www.efginternational.com

EFG Private Bank (CI) Ltd Peter Daniels info@efgci.com

Financial Services 01481 721672 www.elian.com

Elian Fiduciary Services Tom Amy info@elian.com ELM Compliance Consultants Limited Emma Mauger emma@elmcompliance.com

Financial Services 07781 109289 www.elmcompliance.com

EY Mike Bane eyguernsey@uk.ey.com

Financial Services 01481 717400 www.ey.com/channel_islands

Evans & Co Brian Evans info@evansofficeinteriors.com

Business Services 01481 253277 www.evansofficeinteriors.com

Executive Car Services Ltd Andy Ogier executivecars@cwgsy.net

Motoring & Biking 07781 155545 www.executivecarsguernsey.com

Falla Associates International Ltd David Falla guernsey@falla.com

Architects & Surveyors 01481 728020 www.falla.com

Feel Unique At Au Caprice Gee Marsh ocapel@feelunique.com

Retail 01481 729721 www.feelunique.com

Ferryspeed (Guernsey) Ltd Martyn Langlois sales@ferryspeed.com

Distributors 01481 249094 www.ferryspeed.com

FirstAid.gg John Atkins contact@firstaid.gg Firstcall Recruitment Ltd Tina Quertier info@firstcall.co.gg First Names Group David Preston guernsey@firstnames.com

Trades 01481 247290 Education & Training 01481 266799 www.firstaid.gg Recruitment, HR & Payroll 01481 714634 www.firstcall.co.gg Financial Services 01481 234200 www.firstnames.com

Fletchersports Ltd Terry Ferbrache fletchersports@hotmail.com

Retail 01481 724114 www.fletchersports.co.uk

Focus HR Solutions Ltd Katie Bellingham info@focushrs.com

Recruitment, HR & Payroll 01481 728824 www.focushrs.com

Forest Stores Ltd Keith Bienvenu foreststores@cwgsy.net Fort Group, The Jos Ensink info@thefortgroup.com French Connections Ltd Laure Abeille-Brown laure@islebc.com

Retail 01481 238395 Financial Services 01481 234460 www.thefortgroup.com Distributors 01481 722388 www.frenchconnections.gg

Fuel Supplies (CI) Ltd Distributors Jennie Hamilton 01481 200800 enquiries@fsci.co.uk www.fsci.co.uk Fuller Group Ltd Alex Fuller contact@fullergroup.co.uk

Property 01481 730702 www.fullergroup.co.uk

Fultura Ltd Steve Vowles info@fultura.net

IT & Computing 01481 710047 www.fultura.net

Fusion Systems Ltd Paul Briggs enquiry@fusion-systems.com

Business Services 01481 265133 www.g4s.gg

Galaxy Computer Brokers Ltd Stuart Mosley info@galaxyci.com

IT & Computing 01481 740022 www.galaxyci.com Trades 01481 254262 www.garenne.gg

Garenne Construction Group Ltd Richard Jones enquiries@garenne.gg

Finigan & Gibson Dave Finnigan

G4S Secure Solutions (Guernsey) Limited Bob Le Bargy enquiries@gg.g4s.com

IT & Computing 01481 721031 www.fusion-systems.com

Generali International Ltd Financial Services Richard Mahy 01481 714108 enquiries@generali-guernsey.com www.generali-guernsey.com Generali Worldwide Insurance Company Ian Robinson enquiries@generali-guernsey.com Geomarine Ltd Ian Gilmour enquiries@geomarine.gg

Insurance Providers 01481 715400 www.generali-worldwide.com Trades 01481 201015 www.geomarine.gg

Giroscope Employment & Payroll Services Joanne Robilliard info@giroscope.gg

Recruitment, HR & Payroll 01481 729020 www.giroscope.gg

Global Computing Ltd Les Bichard info@globalcomputing.co.uk

IT & Computing 01481 817000 www.globalcomputing.co.uk

Goldridge Estate Agents Ltd Property Geoff Mauger 01481 715600 sales@goldridge.gg www.goldridge.gg Gower Financial Services Rob Boyd theansweris@gowerfinancial.com

Financial Services 01481 700155 www.gowerfincancial.com

Granite Le Pelley Ltd Phil Le Roy enquiries@granitelepelley.gg

Trades 01481 257610 www.granitelepelley.gg Financial Services 01481 753400 www.gt-ci.com

Grant Thornton Ltd David Spring info@gt-ci.com Green Acorn Ltd Keith Hounsell info@greenacorn.gg GFF Guernsey Greg Forino gregforino@gff.gg Greyhound Ltd Steve Page info@greyhound.gg

Renewable Energy 01481 727388 www.greenacorn.gg

Retail 01481 235936 www.gff.gg

Advertising & Marketing 01481 264192 www.greyhoundgg.com

GTA University Centre Simon Le Tocq admin@gta.gg

Education & Training 01481 721555 www.gta.gg

Guernsey Auto & Electrical Supply Co Ltd Philip Sandwith info@guernseyauto.gg

Motoring & Biking 01481 726644 www.guernseyauto.gg

Guernsey Botanical Trust Ivan Le Tissier Garden Administrator Tel: 01481-246960 www.guernseywalledgarden.org.gg Restoration of the Victorian Walled Kitchen Garden at Saumarez Park.

g2a Architecture Laura Priaulx hello@g2a.gg

Guernsey Botanical Trust Charity Hugh Johnson 01481 713961 guides@guernseywalledgarden.org.gg www.guernseywalledgarden.org.gg

Architects & Surveyors 01481 237360 www.g2a.gg

Guernsey Careers Service Alun Williams careers@education.gov.gg

Education & Training 01481 733044 www.careers.gg

Guernsey College Of Further Education Saboohi Famili college@gcfe.net Guernsey Conservatories Ltd Dave Hollingsworth gcs@conservatoryspecialist.com

Education & Training 01481 737500 www.guernseycollege.ac.gg

Home & Garden 01481 244789 www.conservatoryspecialist.com Food & Drink 01481 237777 www.guernseydairy.com

Guernsey Dairy Andrew Tabel admin@guernseydairy.com Guernsey Disability Alliance Shelaine Green info@disabilityalliance.org.gg

Charity 07781 467316 www.disabilityalliance.org.gg

Distributors 01481 200700 www.electricity.gg

Guernsey Electricity Ltd Alan Bates admin@electricity.gg

Guernsey Event Company Limited, The Alex Bridle info@eventguernsey.com

Event & Venue Services 01481 728686 www.eventguernsey.com Event & Venue Services 01481 266799 www.gems.gg

Guernsey Event Medical Services Ltd John Atkins contact@gems.gg Guernsey Finance LBG Dominic Wheatley info@guernseyfinance.com

Financial Services 01481 720071 www.guernseyfinance.com Retail 01481 251929 www.sendabunch.co.uk

Guernsey Flowers Ltd Bridget Foss info@sendabunch.co.uk Guernsey Freight Services Gary Robilliard info@guernseyfreight.com

Distributors 01481 238180

Distributors 01481 724811 www.gsygas.com

Guernsey Gas Ltd Ann Cox jsd@i-e-g.com

Housing 01481 245530 www.gha.gg

Guernsey Housing Association Steve Williams ghaenquiries@gha.gg

Guernsey Mind Charity Emily Litten 01481 722959 info@guernseymind.org.gg www.guernseymind.org.gg Guernsey Occupational Safety & Health Assoc. Health and Safety Specialists Andrew Mills 01481 255774 awards@gosha.org.gg www.gosha.org.gg Guernsey Pearl Ltd Andy Ison andyison@hotmail.com

Retail 01481 266404 www.guernseypearl.co.uk Retail 01481 724001

Guernsey Photographics Ltd Tim Harland arcade@guernseycomputers.com

Distributors 01481 711720 www.guernseypost.com

Guernsey Post Ltd Alison Muir custserv@guernseypost.com Guernsey Press Company Ltd J Marquand newsroom@guernsey-press.com

Media 01481 240240 www.guernsey-press.com

Guernsey Recycling Ltd Recycling Alan Crowe 01481 245402 guernseyrecycling@cwgsy.net www.guernseyrecycling.co.uk Guernsey Registry Alan Bougourd enquiries@guernseyregistry.com

Business Services 01481 743800 www.guernseyregistry.com

Guernsey Sands (Stillbirth & Neonatal Death Society) Tania Shires guernseysands@gmail.com Guernsey Sheet Metal Co (1993) Ltd Adrian Vaudin gsmco@cwgsy.net

Charity 07781 715973 www.uk-sands.org Trades 01481 723617

Education & Training 01481 720392 www.library.gg

Guille-Alles Library Laura Milligan ga@library.gg

Advertising & Marketing 01481 714437 www.hamiltonbrooke.com

Hamilton Brooke Ged Kelly post@hamiltonbrooke.com

Financial Services 01481 704800 www.harbour.co.gg

Harbour Trustees Ltd Sally Wilkinson mail@harbour.co.gg

Retail 01481 723711 www.harsco.com

Harsco Infrastructure John Herbert jherbert@harsco.com

Legal Services 01481 721316 www.haskinslegal.com

Haskins Legal Felicity Haskins info@haskinslegal.com

Hassell Blampied Associates Recruitment, HR & Payroll Lesley Harrison 01534 750106 lesley.harrison@hassellblampied.com www.hassellblampied.com Charity 01481 265623 www.headwayguernsey.com

Headway Guernsey Philippa Stahelin fundraisinghg@yahoo.co.uk

Retail 01481 711321 www.healthspan.co.uk

Healthspan Group Ltd Ann Outram headoffice@healthspan.co.uk

Trades 01481 729967 www.hendersongreen.co.uk

Henderson Green Partnership Guernsey Richard Spinney richard@hgp-guernsey.com Heritage Group Ltd Kevin Roberts info@heritage.co.gg

Financial Services 01481 716000 www.heritage.co.gg

Heritage Insurance Brokers Ltd Gordon Snell info@heritage.co.gg

Insurance Providers 01481 740000 www.heritageinsurance.gg

HFL Limited Margaret Spencer admin@hfl.co.gg

Financial Services 01481 722066 www.hfl.co.gg Retail 01481 721313 www.holeshot-fashion.com

Holeshot Ltd Marc Maubec holeshot@cwgsy.net

Financial Services 01481 717705 www.hsbc.co.uk

HSBC Bank Plc Kieran Rose kieran.s.rose@hsbc.com

Financial Services 01481 759000 www.hsbcprivatebank.com

HSBC Private Bank (CI) Ltd Gary Miller gary.miller@hsbcpb.com HSSD Occupational Health Department Emma Wood ewood@hssd.gov.gg Hunt Brewin Peter Brewin peter@huntbrewin.com

i2Office Michelle Morley enquiries@i2office.co.uk

Health & Beauty 01481 707411 www.gov.gg/occupationalhealth Architects & Surveyors 01481 728236 www.huntbrewin.com

Property 07781 161375 www.i2office.gg

Ian Brownâ&#x20AC;&#x2122;s Cycle Shop Ian Brown admin@ianbrowns.net

Ideal Furnishings Ltd Steve Argo steveargo@cwgsy.net Ilex Lodge Ltd Sandra Berry reservations@selfcatering.co.gg Immuno Biotech Ltd David Noakes davidjnoakes@yahoo.co.uk Indulge Media Ltd Russell Isabelle russell@indulgemedia.com Inspired Estate Agents Limited Chris Carr info@inspired.gg

Retail 01481 721581

Isla Ltd Jose Romanillos enquiries@isla.gg

Retail 01481 736249

Island Analysis Limited Chris Brock info@islandanalysis.com

Advertising & Marketing 01481 716227 www.islandanalysis.com

Self Catering 01481 237491 www.selfcatering.co.gg

Island Coachways Ltd Hannah Beacom hannah@icw.gg

Travel 01481 720210 www.icw.gg

Island Electrics Ltd Richard Cowling ric@cwgsy.net

Trades 01481 263598

Manufacturers 01481 722787 www.gcmaf.eu Advertising & Marketing 01481 740073 www.indulgemedia.com Property 01481 726599 www.inspired.gg

07781 146898 www.isla.gg

Media 01481 242000 www.islandfm.com

Island Fm Ltd Mike Huston info@islandfm.com

Business Services 01481 714050

Island Lock & Safe Co Guernsey Ltd Trevor Mahy trevor@ilsg.co.uk

Insurance Corporation (C.I.) Ltd Insurance Providers Glyn Smith 01481 713322 icci@insurancecorporation.com www.insurancecorporation.com

Island Marine Craft Ltd Ian Moxon islandmarine@cwgsy.net

Integrated Skills (Guernsey) Ltd Matthew Polson info@integrated-skills.com

Island Posture Centre Health & Safety Specialists Richie McCurdy 07781 146007 info@islandposturecentre.com www.islandposturecentre.com

International Asset Monitor Ltd Michael Strachan michael.strachan@internationalassetmonitor.com International Energy Group Tony Nicholls energy@i-e-g.com International Law Systems Ltd Chris Meinke info@ils-products.com

01481 242700 www.integrated-skills.com Financial Services 01481 716575 www.internationalassetmonitor.com Distribution 01481 715634 www.i-e-g.com Manufacturers 01481 723494 www.ils-products.com

Marine 01481 249294 www.islandmarinecraft.co.uk

Island Waste Ltd (Skips R Us/Circuit Skips/Rf Mills) Dan Hubert circuit@cwgsy.net Islands Insurance Peter Rowe insure@islandinsurance.gg

Retail 01481 200091

Itchyfeet Recruitment Agency Jodie Burtenshaw jodie@itchyfeet.gg

Intersurgical (Guernsey) Ltd Mark Levrier mol@intersurgical.co.uk

Manufacturers 01481 710767

ITV Channel Television Gillian Mabbett channelnews@itv.com

Intertrust Fund Services (Guernsey) Ltd Paul Schreibke guernsey@intertrustgroup.com Intertrust Risk Solutions Limited Darren Wadley info@risk.gg

Financial Services 01481 211000 www.intertrustgroup.com Financial Services 01481 742135 www.risk.gg

Intertrust Read Private Clients Ltd Tax Advisers Mark Stone 01481 211000 jane.lemaitre@intertrustgroup.com www.intertrustgroup.com Intransit Limited Lauren Le Feuvre info@intransit.gg Investec Asset Management Guernsey Ltd Grant Cameron sheila.ozanne@investecmail.com

Transport 01481 700066 www.intransit.gg Financial Services 01481 710404 www.investecfunds.com

Investec Bank (Channel Islands) Ltd Financial Services Mort Mirghavameddin 01481 723506 stephen.henry@investec-ci.com www.investec-ci.com Ipes Andrew Whittaker andrew.whittaker@ipes.com

Financial Services 01481 713843 www.ipes.com

Isabelle Vets Ltd Helen Dyke hdyke@isabellevets.co.uk

Veterinary Services 01481 76000 www.isabellevets.co.uk

Recruitment, HR & Payroll 01481 722817 www.itchyfeet.gg

J T (Guernsey) Ltd Paul D Taylor pauldtaylor@jtglobal.com

Johansen Executive Coaching Cato Johansen cato@johansenexecutivecoaching.com Joys Production Services Peter Joy info@joys.com

Advertising & Marketing 01481 241888 www.channelonline.tv

Retail 01481 725991 www.jkblinds.com

J K Window Blinds Kevin Philp jkwindowblinds@cwgsy.net

Jacksons (CI) Ltd Peter Campbell petercampbell@jacksons.gg

Insurance Providers 01481 710731 www.islandsinsurance.gg Shippers 01481 724059 www.sarkshippingcompany.com

Isle Of Sark Shipping Company Sarah Roberts infor@sarkshippingcompany.com

Intersport Nigel Hurford intersportguernsey@newtelsurf.com

Intertrust (Guernsey) Ltd Financial Services Paul Schreibke 01481 211000 guernsey@intertrustgroup.com www.intertrustgroup.com

Trades 01481 235762

Telecommunications 01481 888134 www.jtglobal.com Motoring & Biking 01481 235441 www.jacksonsci.com

Education & Training 01481 736215 www.johansenexecutivecoaching.com Event & Venue Services 01481 727117 www.joys.com

K K De P Glass Ltd Alan Tacon alant@kdep-glass.com Kemp Le Tissier Angus Kemp info@kempletissier.com Kesell Ltd Keith Hounsell info@kesell.co.uk

Leapfrog Ltd Chris Gnapp jobs@leapfrogjobs.com Manufacturing 01481 246861 Financial Services 01481 253050 www.kempletissier.c Business Services 01481 727388 www.kesell.co.uk

Kingdom Architects David Kingdom kingdom@kingdomarchitecture.com

Architects & Surveyors 01481 723658 www.kindomarchitecture.com

Kings Mills Hotel Ltd Ian Walker info@fleurdujardin.com

Hotels, Guest Houses & B&Bs 01481 257996 www.fleurdujardin.com

Kosangas (Guernsey) Ltd Chris Marquis accountkgas@i-e-g.com KPMG Channel Islands Mark Thompson mrthompson@kpmg.com Krys Global Caroline Malloy admin@krys-global.com KYCme (Guernsey) Ltd Dominique Carpentier dominique@kycme.com

Distribution 01481 728844 www.gsygas.com Financial Services 01481 721000 www.kpmg.com/channelislands Financial Services 01481 711211 www.krys-global.com Financial Services 07911 728250 www.kycme.com

Hotels, Guest Houses & B&Bs 01481 710331 www.collinette.guernsey.net

La Fregate Hotel Simon Dufty enquiries@lafregatehotel.com

Hotels, Guest Houses & B&Bs 01481 724624 www.lafregatehotel.com

La Pointe Farm Hotels, Guest Houses & B&Bs Kevin Gallichan 01481 267169 lapointefarm@guernsey.net www.lapointefarm.com

Law At Work (Channel Islands) Ltd Kelly Flageul admin@lawatworkci.com Le Coin Trophies Steven Le Prevost info@lecointrophies.co.uk Le Friquet Plant Centre T Ingrouille tony.ingrouille@lefriquetgardencentre.gg Le Mont Saint Garage David Beausire dave@lemontsaint.co.uk Le Nautique Restaurant G端nter Botzenhardt lenautiquerestaurant@msn.com Le Page Robert W. Robert W Le Page architect@rwlp.co.gg

Learning Clubs Carol Railton 01481 246973 c_railton@yahoo.com www.learningclubs.com Learning Company Ltd, The Kathy Tracey mail@thelearningcompany.ws Legis Group Ltd Stuart Platt-Ransom stuart.plattransom@legisgroup.com Les Buttes Holiday Cottages Martin Ozanne info@lesbuttes.com

Education & Training 01481 730598 www.thelearningcompany.gg Financial Services 01481 726034 www.legisgroup.com Self Catering 01481 266363 www.lesbuttes.com

Les Cocquerels R T Pipet Les Cotils Christian Centre Fiona Naftel fiona@lescotils.com Les Granges Des Fleurs Michael de Garis grangesdesfleurs@cwgsy.net

01481 254468 Event & Venue Services 01481 727793 www.lescotils.com Self Catering 01481 256879 www.grangesdesfleurs.com Self Catering 01481 263262

Les Merriennes Self Catering S A Paine paine@cwgsy.net Les Vaugrats Campsite J Laine enquiries@vaugratcampsite.com Liberation Group Limited, The David Robilliard daverobilliard@bucktrouts.com

01481 257568 www.vaugratcampsite.com Food & Drink 01481 724444 www.liberationgroup.com

Liberation Management Ltd Steve Kail info@liberation.gg

La Collinette Hotel Ltd Andrew Chambers reservations@lacollinette.com

La Villette Hotel & Leisure Club Graham Power reservations@lavillettehotel.co.uk

Recruitment, HR & Payroll 01481 711188 www.leapfrogjobs.com

Hotels, Guest Houses & B&Bs 01481 235292 www.lavillettehotel.co.uk Health & Safety Specialists 01481 727155 www.lawatworkci.com Retail 01481 713277 www.lecointrophies.co.uk Retail 01481 259220 Motoring & Biking 01481 264811 www.lemontsaint.co.uk Food & Drink 01481 721714 Architects & Surveyors 01481 725239 www.rwlp.co.gg

Financial Services, 01481 740145 www.liberation.gg

Payroll Bookkeeping t: 700582 e: enquiries@lilleyandco.gg w: www.lilleyandco.gg Lilley and Co Ltd Trudi Lilley enquiries@llilleyandco.gg Lince Salisbury Ltd Gregory Robert grobert@lince-salisbury.com Lindum Consult Andrew Morley lindumconsult@gmail.com Links Communications Richard Bird links@guernseynet Liquid Katrina Bray katrina@weareliquid.com Livingroom Ltd Simon Torode simon@livingroom.gg Lloyds Bank International Ltd Mike Starkey mike.starkey@lloydsbankinternational.com

Annual accounts Taxation services Financial Services, 01481 700582 www.lilleyandco.gg Business Services 01481 735000 www.lince-salisbury.com Business Services 01481 264526 Telecommunications 01481 248360 www.linkslocator.co.uk Advertising & Marketing 01481 728841 www.weareliquid.com Property 01481 233008 www.livingroom.gg Financial Services 0845 7309373 www.lloydsbankinternational.com

Financial Services 01481 708023

Lloyds TSB Offshore Ltd Mike Starkey mike.starkey@lloydstsb-offshore.com

IT & Computing 01481 737000 www.gg.logicalis.com

Logicalis Guernsey Ltd Rene Brun solutions@gg.logicalis.com

Property 01481 728721 www.long-port.com

Long Port Properties Ltd Charles S Billson steve.brehaut@long-port.com Louvre Group Ltd Derek Baudins guernsey@louvregroup.com

Financial Services 01481 727249 www.louvregroup.com

Lovell Ozanne & Partners Ltd Andrew Ozanne admin@lovellozanne.com

Architects & Surveyors 01481 235397 www.lovellozanne.com

LRD - The Big Idea Jim Delbridge jim@lr@d-thebigidea.com

Advertising & Marketing 01481 750490 www.lr@d-thebigidea.com Distributors 01481 724480 www.lucasfreight.com

Lucas Freight Ltd Adam Prosser mail@lucasfreight.com

Machon Accounting Ltd Adrian Machon office@machonaccounting.com

Mayfield Investments Ltd Ray Blakely ray.blakely@cwgsy.net

Business Services 01481 239075 www.guernseyselfstore.com

Mayside Recycling Michael Grime mayside.recycling@cwgsy.net

01481 247599 www.maysiderecycling.co.uk

Meadow Court Farm Ltd Ray Watts meadowcourtfarm@cwgsy.net

01481 236771 www.meadowcourtfarm.co.uk Trades 01481 727715

Meadowcroft Ltd Paul Meadowcroft mail@meadowcroft.gg Medical Specialist Group Neil Robilliard info@msg.gg

Health and Beauty 01481 238565 www.msg.gg

Mekad Dominique Carpentier info@mekad.com

Financial Services 07911 728250 www.mekad.com Distributors 01481 721122 Home & Garden 07781 464600 www.michelehilton.com

Michele Hilton Design Michele Hilton info@michelehilton.com Financial Services 01481 252800 www.machonaccounting.com Financial Services 07911 717755 www.madihan.com

Mallard David Brown david@themallardcomplex.com

Business Services 01481 264164 www.themallardcomplex.com

Mappin And Webb Robert Read m&wguernsey@mappin-and-webb.co.uk

Retail 01481 723621 www.mappin-and-webb.co.uk Marine 01481 243048 www.mge.gg

Marine & General Engineers Ltd David Coleman gcc@mge.gg

Marine 01481 253181 www.marine-electronics.co.uk

Trades 01481 265892

Property 01481 244244 www.mawsoncollins.com

Mawson Collins Ltd Howard Mawson howard@mawsoncollins.com

Mercury Distribution Ltd James Greening jgreening@mercurydistribution.com

Madihan Assurance Sue Guillard info@madihan.com

Marine Electronics Ltd Alan Green sales@marine-electronics.co.uk

Mauger D P, Electrical Contractor Dave Mauger davemauger@cwgsy.net

Motoring and Biking 01481 720777 www.millards.org

Millard & Co Ltd Tim Millard millards@cwgsy.net

Financial Services 01481 714942

Milroy Capital Ltd Robert Milroy rmilroy@milroycapital.com

Education & Training

Mindful Guernsey Nicky Addlesee hello@mindfulguernsey.com

wwwmindfulguernsey.com

Miss Nob Ladiesâ&#x20AC;&#x2122; International Fashions Mary L Le Poidevin lepoidevinlaforge@cwgsy.net

Retail 01481 721800

Miton Optimal Portfolio Managment (CI) Ltd Financial Services Mark Margetts-Smith 01481 740044 info@mitonoptimal-ci.com www.mitonoptimal-ci.com Monarch Vulcanising Systems Ltd Toni Elderfield info@monaflex.com

Manufacturing 01481 241024 www.monaflex.com

Mark Davies & Associates (Offshore) Limited Liz Meades lmeades@nondom.com

Financial Services 01481 738750 www.nondom.com

Montagu Evans Channel Islands Ltd Architects & Surveyors Tony Rowbotham 01481 742280 info@montagu-evansci.com www.montagu-evansci.com

Marlborough Trust Company Ltd Nick Hannah info@marl-intl.com

Financial Services 01481 713100 www.marl-intl.com

MOO Ltd Jamie Falla jamie@moo.gg

Martel Maides Richard Fox info@martelmaides.co.uk

Auctioneers 01481 713463 www.martelmaides.co.uk

Moore Stephens Lance Spurrier ms@msgsy.com

Martel-Dunn Recruitment Sandra Martel-Dunn recruit@martel-dunn.com

Recruitment, HR & Payroll 01481 730565 www.martel-dunn.com

Mora Restaurant and Brasserie Andre Moreira mora@cwgsy.net

Martyn Guille Silversmiths and Fine Jewellers Martyn Guille martynguille@cwgsy.net Martin Oâ&#x20AC;&#x2122;Meara Ltd Gary Willcocks garyw@momeara.co.uk

Retail 01481 236161

01481 734444

Morgan Sharpe Administration Limited Serena Tremlett serena@morgansharpe.com Mourant Ozannes Robert Shepherd robert.shepherd@mourantozannes.com

Architects & Surveyors 01481 728886 www.moo.gg Financial Services 01481 721769 www.msguernsey.moorestephens.com Food & Drink 01481 725053 www.mora.gg Financial Services 01481 231100 www.morgansharpe.com Legal Services 01481 739344 www.mourantozannes.com

Financial Services 01481 701521

MS & Co Martin Sandle ma@msandco.gg

MSD International Limited Business Services Simon Golland 01481 241200 info@msdinternational.com www.msdinternational.com Muse Steve Le Poidevin steve.lepoidevin@cwgsy.net

Food & Drink 01481 727101 www.muse.gg

NP Holdings Limited Tony Gallienne tonyg@np-group.com

Financial Services 01481 231997 www.novagroup.com 01481 244383

Retail 01481 721096

N Paint & Son Ltd Michael Paint paint@guernsey.net

Business Services 01481 712808 www.nashcopy.com

Nashcopy Channel Islands Ltd Clive Le Tissier i@nashcopy.com

Charity 01481 255384 www.nationaltrust.gg

National Trust of Guernsey Martin Ozanne admin@nationaltrust.gg

Bespoke and specialist consultancy services centred around a core expertise of credit, banking and working with high net worth clients. For more information contact Nick Bennett.

+ 44 (0) 7781 152227

info@navitaur.com

Navitaur Ltd Nick Bennett info@navitaur.com Neenam Ltd R Piper rpiper@quantum-medmarine.com Nerine Trust Company Ltd Keith Corbin info@nerine.com Network Direct Ltd June Goater admin@network.gg Next Generation IT Jason Connolly info@ngit.co.uk

navitaur.com Consultants 07781 152227 www.navitaur.com 01481 715399 Financial Services 01481 701300 www.nerine.com Insurance 01481 701400 www.network.gg

Nick Brett Property Ltd Nick Brett info@brettproperty.com

Property 01481 720123 www.brettproperty.com

Nordben Life & Pension Insurance Co Ltd Sue Garrett sue.garrett@nordben.com

Insurance Providers 01481 702900 www.nordben.com

Normandie Group Ltd Chris Schofield cshcofield@normandiehs.com Normanor Ltd Sara Harborow info@normanor.co.uk

OCS - One Complete Solution Mike de Laune guernsey@ocs.co.uk Odey Wealth Management (CI) Limited Sarah Thomson-Kennedy info@odeywealth.com Office Projects Tony Veron tonyveron@officeprojects.gg

Offshore Business Focused Solutions Limited Sean Conlan sean.conlan@obfsl.com

IT & Computing 01481 750750 www.ngit.co.uk

Norman Piette Ltd Tony Gallienne tonyg@np-group.com

Â Oak Trust (Guernsey) Limited David Willis dwillis@oaktrust.co.uk

Office Solutions (Guernsey) Ltd Iain Whitchurch iain@osguernsey.com

STRATEGIC FINANCIAL CONSULTING

Nova Wealth Ross Preston info@novagroup.com

Retail 01481 245801 www.norman-piette.com Insurance Providers 01481 253953 www.normandiehs.com Distributors 01481 268330

Offshore Will Morgan info@offshore.gg Offshore Electronics Ltd Steve Marshall steve@offshore-electronics.co.uk Offshore Payroll Ltd Gary Hill gary@offshorepayroll.com Ogier Legal Claire Long legal@ogier.com Old Government House Hotel & Spa Tracey Oâ&#x20AC;&#x2122;Neill toneill@rchmail.com Oliver & Company Chris Oliver chris@oliver-company.com

Financial Services 01481 749273 www.oaktrust.co.uk Cleaners 01481 711690 www.ocs-ci.com Financial Services 01481 743600 www.odeywealth.com Business Services 01481 234490 Business Services 01481 722992 www.osguernsey.com Business Services 07781 105494 Education & Training 01481 736040 www.offshore.gg Manufacturers 01481 712721 www.offshore-electronics.co.uk Business Services 01481 728334 www.offshorepayroll.com Legal Services 01481 721672 www.ogier.com Hotels, Guest Houses & B&Bs 01481 724921 www.theoghhotel.com Business Services 01481 251683 www.oliver-company.com

Optimus Group Limited Consultants Peter Mills 01481 755690 info@optimusgrouplimited.com www.optimusgrouplimited.com Orchard PR Steve Falla info@orchardpr.com Orion Insurance Management Ltd Janet Le Poidevin jan@orion-insurance.co.uk

PR 01481 240600 www.orchardpr.com Insurance Providers 01481 728864 www.orion-insurance.co.uk

OSA Recruitment Nick Graham nick@osa.gg

Recruitment, HR & Payroll 01481 712891 www.osa.gg

Ounsworth Decor Ltd Mac Gallienne ounsworth@cwgsy.net

Trades 01481 266194 www.ousworthdecor.com

Outdoor Guernsey Limited Ant Ford Parker ant@outdoorguernsey.co.uk

Leisure 01481 267627 www.outdoorguernsey.co.uk

Pandora Hotel C Ryan pandora@cwgsy.net

Hotels, Guest Houses & B&Bs 01481 720971 www.pandorahotel.co.uk Retail 01481 712877

Paper Box, The Phillip Morgan pdamorgan@ukonline.co.uk Parish Group Ltd info@parish-group.com

Financial Services 01481 729002 www.parish-group.com

Partners Group (Guernsey) Ltd Annika Domaille annika.domaille@partnersgroup.com

Financial Services 01481 711690 www.partnersgroup.net

Paul Davis Freight Services Ltd Nigel Dutson nigel.dutson@pdfs.com

Distributors 08455 196995 www.pdfs.com

Paul Jonkmans Finance Limited Paul Jonkmans paul@pauljonkmansfinance.co.uk

Financial Services 01481 267647

Perkins Chartered Certified Accountants R Laurent perkins@guernsey.net

Financial Services 01481 724966

Personnel Appointments Chris Blin recruit@pa.gg Pet Technology Store Ltd Helen Chamberlain helen@pettechnologystore.com PJ Web Design Limited Paul J Ninnim enquiries@pjwebdesign.co.uk Placing People 1st Lynda Sims jobs@placingpeople1st.co.uk Polar Instruments Ltd Nigel Mann mail@polarinstruments.com Polygon Group Limited Amanda Groves amanda.groves@polygon.co.gg POS Interiors David Inglis info@posinteriors.com Potting Shed, The Jay Aylmer jay@thepottingshed.gg PPF Partners Limited Mel Carvill info@ppfpartners.com Precision Plastics Kevin Brown sales@precisionplastics.co.gg Price Bailey Ltd Kirsty Warner guernsey@pricebailey.gg Prime Practice Nick Guillemette nicklg@cwgsy.net Printed in Guernsey theteam@printed.gg

Business Services 01481 723000 wwwprospero.gg

Prospero Facilities Services Paul Clark info@prospero.gg

Recruitment, HR & Payroll 01481 723221 www.pa.gg 01481 266066 www.pettechnologystore.com 01481 230966 www.pjwd.net Recruitment, HR & Payroll 01481 736444 www.1strecruit.co.uk Manufacturers 01481 253051 www.polarinstruments.com Financial Services 01481 704657 www.polygon.co.gg Home & Garden 01481 244718 www.posinteriors.com Advertising And Marketing 01481 727699 www.thepottingshed.gg Financial Services 01481 754951 www.ppfpartners.com Distributors 01481 242311 www.precisionplastics.co.je Financial Services 01481 715669 www.pricebailey.gg Business Services 07781 156118 www.primepracticeguernsey.co.uk Printers 01481 259188 www.ipsultraprint.com

Project Hire & Sale (Guernsey) Ltd Tony Gallienne 01481 242047 tonyg@np-group.com www.printedinguernsey.com

Profile Event Company Michele Butters michele@profileevent.co.gg

Event & Venue Services 01481 740843 www.profile.co.gg Financial Services 01481 752000 www.pwc.com

PwC John Roche john.roche@gg.pwc.com

Q Quantum Cabling Installations Ltd Mark Addlesee support@quantum.gg Quayside Ltd Russ Fossey admin@quayside-gsy.com

01481 263224 Retail 01481 245881 www.quaysidedirect.com

Quintessential Relocation Consultants Jo Stoddart info@qrcci.com

Consultants 01481 257200 www.qrcci.com

R G Falla Ltd Peter Gregory enquiries@rgfalla.gg

Trades 01481 256585 www.rgfalla.gg

R W Randall Ltd Jayne Langlois ianrogers@rwrandall.co.uk

Food & Drink 01481 720134 Motoring & Biking 01481 244551 www.rabeys.com

Rabeys Group Ltd Gary Rouget sales@rabeys.com

Financial Services 01481 729100 www.ravenscroft.gg

Ravenscroft Ltd Simon Melling smelling@ravenscroft.gg Ray & Scott Ltd Jeff Fox ray.scott@cwgsy.net

Retail 01481 244610

Regency Bedding Ltd N Swan sales.regencybedding@cwgsy.net

Retail 01481 249544

Resolution IT Olly Duquemin info@resolution-it.co.uk Richard Stapley Ltd Chartered Accountants Richard Stapley rs@richardstapley.com

IT & Computing 01481 267338 www.resolution-it.co.uk Financial Services 01481 267460 www.richardstapley.com

Rihoy, F W & Son Ltd Ivan Rihoy rihoyelectrics@cwgsy.net

Trades 01481 245231

Rock & Small Ltd Matt Collas info@rockandsmall.com

Advertising & Marketing 01481 724705 www.rockandsmall.com

Rock Commercial Ltd Peter Van de Velde peter@rockcommercial.co.uk Rocquette Cider Company Ltd James Meller jrmeller@cwgsy.net

Property 01481 728559 www.rockcommercial.co.uk Food & Drink 01481 232501

Ronez Ltd Steve Roussel steve.roussel@aggregate.com

Sarnia Roofing Ltd Gary Gavey andy@sarnianroofing.com

Trades 01481 715475 www.sarnianroofing.com

Insurance Providers 01481 722222 www.rossgower.com

Sausmarez Manor Peter De Sausmarez sausmarezmanor@cwgsy.net

Leisure 01481 235571 www.sausmarezmanor.co.uk

Insurance Providers 01481 241555 www.rossborough.co.uk

Scope Furnishing Ltd A J Bourgaize sales@scopefurnishing.co.uk

Retail 01481 723197 www.scopefurnishing.co.uk

Trades 01481 256426 www.aggregate.com/ourbusinesses/ronez

Ross Gower Group Dean de la Rue ddelarue@rossgower.com R.A. Rossborough, R A (Guernsey) Ltd Ian Stewart gsy@rossboroughgroup.co.uk

SG Hambros Bank & Trust (Guernsey) Ltd Mark Didcott mark.didcott@sghambros.com

Financial Services 01481 726521

Financial Services 01481 713713 www.rothschild.com

SH Accounting Services Sara Harborow sara_harborow@cwgsy.net

Financial Services 07781 123546

Financial Services 01481 707800 www.rothschild.com

Sidlocks Of Guernsey Roy Kilpatrick roy@sidlocks.co.uk

Romanillos & Cook Jason Cook imagerights@romanillosandcook.com

Image Rights Agencies 01481 736331 www.romanillosandcook.com

Rothschild David Oxburgh marketing@rothschild.com Rothschild Trust Guernsey Ltd Emma Roberts emma.roberts@rothschild.com Rotorswing UK Ltd Nick Piper nick@rotorswing.co.uk Royal Bank Of Canada (CI) Ltd Lindsay Ozanne lindsay.ozanne@rbc.com

07781 126267 www.rotorswing.co.uk Financial Services 01481 744041 www.rbcwminternational.com

Royal Bank Of Scotland International Financial Services Robert Girard 01481 703873 robert.girard@rbsint.com www.rbsinternational.com Financial Services 01481 711261 www.rlam.co.uk

Royal London Asset Management C.I. Ltd Pierre Paul info@rlam.co.gg

Safehaven International Ltd Financial Services Richard Bach 01481 723925 marine@safehaveninternational.com www.safehaveninternational.com Financial Services 01481 721374 www.saffery.gg

Saffery Champness Jeremy Ellis info@saffery.com

Retail 01481 727616 www.samuelpepys.com Retail 01534 508416 www.sandpiperci.com

Sandpiper CI Tony Oâ&#x20AC;&#x2122;Neill tonyoneill@sandpiperci.com Sark Estate Management Dawn Manger kevin.delaney@sarkestatemanagment.com Sapphire Underwriters Nigel Brand nigel.brand@sapphire.gg

Property 01481 832704 Insurance Providers 01481 737414 www.sapphire.gg

Sarnia Estate Agents Ltd Alex Ford enquiries@sarniaestateagents.com

Property 01481 727989 www.sarniaestateagents.com

Sarnia Hotels Ltd Karel Harris karel@mooresguernsey.com

Hotels Guest Houses & B&Bs 01481 724452 www.sarniahotels.com

Sarnia Management Corporation Ltd Andre Stefani sarnia@smcl.co.gg

Financial Services 01481 728444 www.smcl.co.gg

Sarnia Mutual Ltd Vernon Etherington spectrum@cwgsy.net

Financial Services 01481 723501

Simon Cottell - Chartered Architect Simon Cottell studio@simoncottell.com

Business Services 01481 241111 www.sigmaci.com Architects & Surveyors 01481 725355 www.simoncottell.com

Simon Larbalestier Opticians S Larbalestier

Retail 01481 710781

Simon Lovell Interiors Simon Lovell simonlovellinteriors@cwgsy.net

Retail 01481 728695

Situations Recruitment Agency Ltd Melissa Campbell team@situations.gg Skill Set CI Limited Sharon Alvarez sharon@skillsetci.com

Samuel Pepys David Whitby info@samuelpepys.com

Sigma Robert Sillars robert.sillars@sigmaci.com

01481 713883

Skipton International Ltd Jim Coupe info@skiptoninternational.com Smart Office Richard Lowe hello@smart-office.co.uk Smith Signs Ltd Dan Smith enquiries@smithsigns.co.uk Sofsync Ltd Susan Watson swatson@sofsync.co.uk Sommelier Wine Company Ltd Richard Allisette rallisette@cwgsy.net

Recruitment, HR & Payroll 01481 710639 www.situations.gg Leisure 01481 735440 www.skillsetci.com Financial Services 01481 727374 www.skiptoninternational.com Business Services 01481 740366 www.smart-office.co.uk Printers 01481 247749 www.smithsigns.co.uk IT & Computing 07781 122449 www.sofsync.co.uk Distributors 01481 721677

SOUP Architects Ltd Architects & Surveyors Max Babbe 07781 147667 max@souparchitects.com www.souparchitects.com Source Recruitment Specialists Limited Julia Martin julia@source.gg

Recruitment, HR & Payroll 01481 701616 www.source.gg

Sovereign Trust (Channel Islands) Limited Financial Services Stephen Hare 01481 729965 ci@sovereigngroup.com www.sovereigngroup.com Specialist Construction Supplies Ltd Simon Kerin simon@scs-global.com

Trades 01481 245124 www.scs-global.com

Specsavers Optical Group D J D Perkins debbie.torode@gg.specsavers.com

Distributors 01481 232458 www.specsavers.net

Specsavers Opticians Chris Goldsborough dir.guernsey@st.uk.specsavers.com

Retail 01481 723530

SPF Private Clients (C.I.) Ltd Pierre V Blampied pblampied@spf.gg Spicer & Partners Guernsey LLP Shelagh Mason dharry@spicersllp.com St Emilion Ltd N Cirigliano

Financial Services 01481 715234 www.spf.gg

Technical Field Services International Ltd Recruitment, HR & Payroll Gail F Batiste 01481 729298 tfsi@cwgsy.cnet www.tfsi-ltd.com

Legal Services 01481 710315 www.spicersllp.com

Tiara Software Consultants Ltd IT & Computing Tim Rawles 01481 700616 contact@tiara-ci.com www.tiara-ci.com

Food & Drink 01481 726059

St Georgeâ&#x20AC;&#x2122;s Hotel Hotels, Guest Houses & B&Bs Steve Durey 01481 721027 stgeorges@guernsey.net www.georges-guernsey.com St John Training Services Guernsey Steve Ford firstaidtraining@cwgsy.net St Peters Trust Company Ltd Martin Priest info@stpeterstrust.com St Pierre Park Hotel Dina Le Lacheur reservations@stpierrepark.co.uk

Education & Training 01481 247979 www.training.ambulance.org.gg Financial Services 01481 723674 www.stpeterstrust.com Hotels, Guernsey Houses & B&Bs 01481 728282 www.stpierrepark.co.uk

TISEF Ltd Chris Russell chris@tisef.com

Financial Services 01481 714292 www.tisef.com

Town Centre Partnership Ltd Jack Honeybill jackhoneybill@hotmail.com

07781 113464

TPA Ltd Tony Tostevin tony.tostevin@tpagency.com Trafalgar Travel Ltd Suzanne Rouxel suzanne@trafalgarleisure.com

Advertising & Marketing 01481 700070 www.tpagency.com Travel 01481 728121 www.trafalgarleisure.com

Travel Counsellors - Debbie Freestone-Roberts Travel Debbie Freestone-Roberts 01481 712549 d.freestoneroberts@travelcounsellors.com www.travelcounsellors.com/d.freestoneroberts

St Sampsons Constable & Douzaine Parish Authority The Constables 01481 244130 Travel Counsellors - Vaughan Davies Travel stsampsonscontables@gov.gg Vaughan Davies 01481 726837 vaughan.davies@travelcounsellors.com www.travelcounsellors.com/vaughan. Stan Brouard Group Retail davies Bridget Foss 01481 252521 bridget@stanbrouard.com www.sbpi.co.uk Travel Solutions Travel Fred Eulenkamp 01481 715145 Standard Chartered Trust (Guernsey) Limited Financial Services guernsey@travelsolutions.uk.com www.travelsolutions.uk.com Trevor Kelham 01481 721787 trevor.kelham@sc.com Trinity Trust Company Ltd Financial Services Startup Guernsey Advisory Services Keith Le Poidevin 01481 727429 Tony Brassell 01481 710043 info@trinitytrust.co.uk www.trinitytrust.co.uk info@startup.gg www.startup.gg Troalic A J & Sons Ltd Andrew Troalic ajtroalics@cwgsy.net

Retail 01481 245363

Trades 07781 100685

Trust Corporation of the Channel Islands Limited Ken Wrigley 730430 ken.wrigley@trustcorpci.com

Financial Services 01481

07781 413083

TrustFord Jonathan Bell Jonathan.bello@trustford.co.uk

Motoring & Biking 01481 724774 www.trustforsguernsey.co.uk

TT Software Ltd Tony Trenker tonytrenker@ttsoftware.gg

IT & Computing 01481 700202 www.ttsoftware.gg

State Street Trustees (Guernsey) Ltd Financial Services Gerald Hough 01481 734700 ghough@statestreet.com www.statestreet.com Steve Ferbrache & Co Ltd Steven Ferbrache steveferbrache@cwgsy.net Stopcost Ltd David Holt dh@stopcost.com Style Office Paul Watson office@stylegroupguernsey.com

Business Services 01481 737044 www.stylegroupguernsey.com

Sueco The Food Co Food & Drink Sue Wilson 01481 720969 team@sueco.gg www.sueco.gg Sure Telecommunications Jessica Bisson 01481 700700 contact@sure.com www.sure.com Swallow Apartments Mark Hesse swallowapt@aol.com Swoffers Ltd Andre Austin sales@swoffers.co.uk Sydney Charles Group Philip Lepp info@sydneycharles.co.uk

Taste Of India Restaurant, The T Fernandes joyce@cwgsy.net

TTC Travel Group Ltd Michael Page michael.page@bookttcuk.com Tyrrell Dowinton Associates Ltd Paul Dowinton pdowinton@tda.gg

www.trustcorpci.com

Travel 01481 754773 www.thetravelcorporation.com Architects & Surveyors 01481 259959 www.tda.gg

Self Catering 01481 249633 www.swallowapartments.com Property 01481 711766 www.swoffers.co.uk Insurance Providers 01481 739970 www.sydneycharles.co.uk

U Urban Kitchen Neil Darby enquiries@urbankitchen.co.gg

Food & Drink 01481 736366 www.urbankitchen.gg

Food & Drink 01481 723730 www.tasteofindiaci.com

World Travel Ken Baker ken@worldtravel.gg

Valhalla Industries Limited Design Jeff Whittaker Xk120@cwgsy.net Valley Computer Services Ltd Gordon Dutton-Queripel sales@valley-computers.co.uk

01481 263548 IT & Computing 01481 239460 www.valley-computers.co.uk

Vaudin Stonemasons Ltd Trades Lance Vaudin 01481 248316 vaudinstone@cwgsy.net www.vaudinstone.com Consultants 01481 729981

Vazon Energy Ltd Elizaeth Landles vazon@vazon.gg Vazon PR & Events (Metasis Ltd) Fleur Curzon fleur.curzon@vazon.co.uk Vets4pets Ltd Peter Watson peter.watson@vets4pets.com

01481 722424 www.vazon.co.uk

Travel 01481 252211 www.worldtravel.gg

WT Partnership (Guernsey) Ltd Architects & Surveyors Nigel Carter 01481 723163 nigel.carter@wtpartnership.com www.wtpartnership.com

XTEC Ltd IT & Computing Tony Mealing 01481 700004 info@xtecltd.com www.fortress.gg X-Ware Ltd Barry Pitfield info@talkjcs.com

IT & Computing 84500 049599 www.talkjcs.com

Veterinary Services 01481 239200 www.vets4pets.com

Victoria Fine Jewellery Retail Chris Brazier-Creagh 01481 740050 victoria@victoriafinejewellery.co.uk Vision Networks Ltd Bill Mead sales@cctv.gg

Business Services 01481 255414 www.cctv.gg

Vortex Public Relations Nigel Robson nigel@vortexpr.com

Media 01481 233080 www.vortexpr.com

Waite RS Chartered Surveyor R S Waite, FRICS waiteprop@cwgsy.net Waitrose Guernsey Allen Edwards manageradmiralpark@waitrose.co.uk Watts & Co Limited Joanna Watts info@wattsandco.co Weighbridge Trust Ltd Paul Conway admin@weighbridge-trust.co.uk White & Company Plc Steve Hammer guernsey.hq@whiteandcompany.co.uk

Why advertise with us? Architects & Surveyors 01481 722121 Retail 01481 729222 www.waitrose.com Property 01481 740071 www.wattsandco.co Trust & Company Administration 01481 720581 www.weighbridge-trust.com Removals 01481 736868

White House Hotel Hotels, Guest Houses & B&Bs Jonathan Watson 01481 722377 jonathan@herm-island.com www.herm-island.com White Rock Brewery Ross Gledhill enquiries@whiterockbrewery.co.uk Willis Management (Guernsey) Ltd Dominic Wheatley wheatleyd@willis.com

Food & Drink 01481 249920 www.whiterockbrewery.gg Consultants 01481 735630

Wiltshire Property Property Vijay Wiltshire 01481 723919 info@wiltshireproperty.gg www.wiltshireproperty.gg Window Service Centre Manufacturers Mark De la Rue 01481 248743 wsc.ltd@cwgsy.net www.windowservicecentre.com

communications

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