Monaco Players Report 2014 Q1 by Monaco Wealth Management

Monaco Players Report 2014 Q1

Figures & Facts, Corruption prevention, Analytics & Solutions, Seminars & Qualified clients

Monaco Wealth Report

Monaco Players Report 2014 Q1

MOST SEARCHED PROFESSIONALS

UNDERPERFORMANCES

CUSTOM TAILORED PERFORMANCE

TOP 15 Banks

The Importance of the Indicators

SESSIONS

TOP 15 Wealth Managers

Undercover Wealth Manager test

Corruption prevention

TOP 15 Avocats-DĂŠfenseurs

Custom Tailored Performance Sessions

Organization Behaviour

TOP 15 Fincancial Advisors TOP 15 Real-Estate agencies

NO EXCUSE! TRENDING TOPICS

Competitive Intelligence

Venture Capital HIGHLIGHTED PROFESSIONAL

Out of the Box Investment

DISCLAIMERS

Arnaud Zabaldano

Monaco Market Gap

Monaco Wealth Management Disclaimers

Most searched Banks in Q1, 2014 MOST SEARCHED BANKS 1.

BARCLAYS BANK

CIC LYONNAISE DE BANQUE

CREDIT FONCIER DE MONACO

HSBC PRIVATE BANK

BANQUE PASCHE MONACO SAM

EFG BANK

KBL MONACO PRIVATE BANKERS

BANQUE J SAFRA

SOCIETE GENERALE PRIVATE BANKING

10.

MARTIN MAUREL SELLA

11.

CREDIT DU NORD

12.

LCL MONACO

13.

BNP PARIBAS

14.

CAISSE REGIONALE DE CREDIT AGRICOLE

15.

CREDIT MUTUELLE MONACO

Monaco Players Report 2014 Q1 week:

Non-representative survey and for internal use only. The measurements are based on the visitor interests and online trends such as Google, Facebook, Twitter, LinkedIn and other Social medias. Please read the disclaimers!

Most searched Banks in Q1, 2014

Monaco Players Report 2014 Q1

Most searched Banks in Q1, 2014

Monaco Players Report 2014 Q1

Monaco Prospective Client Trend Report for Q1, 2014 For inquiries regarding the full report including indicators and trends of 19 Banks, 67 Wealth Managers and Family Offices, 23 Avocats-DĂŠfenseurs, 22 Financial Advisors and 109 Real-Estate Agencies in the Principality of Monaco, please contact: info@monacowealthmanagement.com

The Importance of the Indicators

Monaco Players Report 2014 Q1

Don’t change, just improve The current marketing of any company is very important. With the help of various indicators you have the possibility to montitor the Real-Time Social Impact of your business. You can understand the effect of your marketing campaign and you can create comparism between your client acqusition efforts and the startegy used by your competitors. Usining measurement indicators involves a very different type of philosophy where we will be able to improve the current marketing approach and we can deliver results in terms of new and super satisfied clients. Last year we saw a very nice picture from the French artist Cote, which clearly shows how market has changed (in a funny way...). We believe that our number one aim with any business ventures is to keep the fish for ourself instead of competing with others. An entrepreneur and business owner is to focus on new clients, target groups especially when it comes to out of the box cases with the result of visible growth. Therefore the aim is not to interfere with your company’s current marketing methods but to improve it. In general we can state that many business segment is among the most conservative and traditional segments in the World (such as bank and wealth management industry). Therefore many marketing experts believe it offers a limited field For internal use only. Please read the disclaimers!

for creativity because they can not involve new items. Thinking and creating in an out of the box way does not mean that one has to go the extreme, away from values, traditions. Making a difference doesn't mean we have to move away from traditions, history, values or that we have to be shocking. “You can not make anything different by doing the same things continuously, you can not expect to achieve your aims which is something new, by doing the same things in the same way with the same tools, with the same people in the same environment.” The thing is that marketing is all about creativity, therefore real creative people can deliver out of the box solutions to improve our productivity and our results. And this is the point where I would like to highlight that result means improvement and new income. The main aim of any marketing strategy is to make a bold difference in the fields of your company. Therefore you need to focus on result oriented solutions, which will deliver the necessary improvement. To achieve positive and remarkable results we need to focus on being out of the box instead of making similar activities as all our competitors.

World premier | April, 2014 The Desire Collection of the Inspiration Manufacture ultra-luxury watch brand is limited to 13 pieces, featuring exclusive and individual materials and premiering a new, world wide watch industry patent.

Most searched Wealth Managers & Family Offices in Q1, 2014 MOST SEARCHED WEALTH MANAGERS & FAMILY OFFICES 1.

SOCIETE MARSEILLAISE DE CREDIT

CREDIT FONCIER DE MONACO

BANQUE PASCHE MONACO SAM

COMPAGNIE DE GESTION PRIVEE MONEGASQUE

KNIGHT VINKE ASSET MANAGEMENT

KBL MONACO PRIVATE BANKERS

COUTTS & CO SUCCURSALE DE MONACO

BANQUE DE GESTION EDMOND DE ROTHSCHILD

2PM MONACO

10.

COMPAGNIE MONEGASQUE DE BANQUE

11.

SOCIETE GENERALE PRIVATE BANKING

12.

ALTANA WEALTH MONACO SAM

13.

CAISSE REGIONALE DE CREDIT AGRICOLE PCA

14.

GOLDMAN SACHS

15.

THYBO ADVISORY SAM

Monaco Players Report 2014 Q1

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Most searched Wealth Managers & Family Offices in Q1, 2014

Monaco Players Report 2014 Q1

Most searched Wealth Managers & Family Offices in Q1, 2014

Monaco Players Report 2014 Q1

Underperformances: Undercover Wealth Manager test Undercover Wealth Manager test On my second morning at the closest hotel I asked the concierge guy wether he can suggest me a bank or not. He simply replied to me without even answering my question: - Just be aware of the Crocodiles. It was a little bit unusual as an answer and spooky for me so I immediately tried to understand his point. - Why? Is there any blacklist? - Every bank is good in Monaco but you have to be careful before you make your decision. - he continued in his own mystical way. I was not in the mood to play so I closed this conversation with him very quickly. - Ok. Then wish me good luck. - I smiled at him. On my way out through the main door I started to think about how incredible it is that the only suggestion is that I will probably meet with some Crocodiles. I was always aware that the Principality offers more than one hundred Banks and Wealth Managers in a less than two km2 territory, which probably causes big competition fights among the institutions. However I also believe that the key for a long lasting business relationship is to build it up in an ethical and trustworthy way.

For internal use only. Please read the disclaimers!

So I went to the very first bank not far from the Hotel. After entering the building I have to admit that I was really impressed. I went to the front office and I told the receptionist that I was there to open a bank account. She was really nice and even if I had no pre-arranged appointment she organized me the possibility to meet with one of their client representatives. After a few minutes of waiting a young man came out the door: - Good morning - he greeted me. - Good morning. - I heard that you are aiming to open a new bank account. How can I help you, sir? - Yes, that is my aim. - I confirmed back his information and meanwhile we went to one of their meeting room. - Okay. The minimum amount is one million Euro to open a bank account in our branch. - he started immediately. His answer for me was quite to the point because he did not even introduce his bank but I was keen to know the rules so I went into his game. - I understand it. - I replied to him. - Okay. So do you have any questions? - Yes, maybe you could introduce me your bank - I said to him referring that I am there as a prospective clients and not a fool. He introduced me his bank very accurately and he also highlighted many of the aspects and benefits of his branch, which were quite impressive. I also really appreciated that he highlighted an

Monaco Players Report 2014 Q1 extremely important thing, which was their customer care. He mentioned that their Bank has an impressive ultra-rich client base and they are thrilled to create businesses as intermediaries among their valued clients. I really liked this because I felt that they really take care of their clientsâ&#x20AC;&#x2122; wealth and they are not just putting it out to the trade market, but actually they are supporting the business growth as well via their most precious resource, their connection base. I started to feel myself very comfortably, and in the meantime my brain was continuously ticking about what the concierge said to me at the Hotel. I could not imagine where the Crocodiles were. Maybe I was just lucky to go to the right place. So everything went well so far until the client representative made a mistake. - So do you have one million Euro to start an account with us? he asked me. - Yes, I am able to start an account with you. - I replied even if I did not like the question,because I felt a little bit of prejudice. - Okay. - he said - Because if it is a problem then there are other banks that accept smaller amounts as well. At this point I had to grab on to my chair to avoid falling down because this was an unexpected turn. I was there in their meeting room as a prospective client. Based on his continuous interrogation I confirmed him many times that I could be his client and now he offers me another bank? It was a shockingly big mistake but I believe he did not even realize it, he just wanted to be helpful. However these kind of helpful gestures could make me question wether I am in the right place or not? So I could not hold back to ask him further about his bank.

Underperformances: Undercover Wealth Manager test

- Could you tell me how your bank performed in the last years? I started my question. - Yes, of course. He started to feel that maybe he made a mistake but he continued. - Well as you probably know many banks lost in 2008-2009 during the economic crisis. It was not the best start from him but I became very curious. - However we are very proud to say that our Bank did not loose as much as its competitors, actually we did very impressively. - he continued. - But you had some losses, right? - Right. But we still performed better than many of our competitors. It was enough for me to get a full picture of the Bank. I was aware that many banks lost incredible amounts during the economic crisis, but I thought it was a mistake to be proud of not loosing as much. I was looking for a bank that stated that they learnt from their mistakes and were working two-hundred percent more to satisfy their clients. I did not really receive this here only the interrogation part for the one million Euro, so I went to the next bank. For internal use only. Please read the disclaimers!

Monaco Players Report 2014 Q1

At the end of the day I started to understand what the concierge meant regarding the Crocodiles. I realized that most of the client representatives are living a kind of easy going life and they are only going for the fast money, without even understanding the expectations of the prospective clients. For the record I can not make any bad comment about the Bank itself because they were really nice, they had a very impressive appearance and without any doubt they are quite good in what they are doing. However their client representative could not convince me and I think it was a personal mistake to continuously force the one million Euro, and at the meantime to offer me economical competitor Banks and Wealth Managers. One personâ&#x20AC;&#x2122;s mistake could led the Bank to lose a prospective clients and probably some further mutual benefits.

Source:

Living in Monaco book and digital platform A professional business relocation, wealth diversification and investment guide which answers to the really important questions. www.livinginmonaco.com

Innovation reinvented The Desire Collection ultra-luxury watch transmits the desire for elegance, ultra-luxury and "living the fairytale" contained in a sparkling and glamorous surface, which offers changing shades with the play of different light and shadows. The cold platinum case and the encircling radiant cut diamonds form a perfect combination with the warmness of the purple crystallised inner surface together with the exceptional alligator strap variations. The dial is a unique combination of colours and forms and different for all 13 limited piece, making them solitary, rare pieces.

Most searched Avocats-Défenseurs in Q1, 2014 MOST SEARCHED AVOCATS-DÉFENSEURS 1.

ARNAUD ZABALDANO

RÉGIS BERGONZI

GERALDINE GAZO

JEAN-CHARLES S GARDETTO

JEAN-PIERRE LICARI

FRANK MICHEL

PATRICIA REY

JOELLE PASTOR-BENSA

CHRISTOPHE SOSSO

10.

ALEXIS MARQUET

11.

RICHARD MULLOT

12.

OLIVIER MARQUET

13.

CHRISTINE PASQUIER-CIULLA

14.

REMY BRUGNETTI

15.

THOMAS GIACCARDI

Monaco Players Report 2014 Q1

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Most searched Avocats-DĂŠfenseurs in Q1, 2014

Monaco Players Report 2014 Q1

Most searched Avocats-DĂŠfenseurs in Q1, 2014

Monaco Players Report 2014 Q1

Highlighted Avocat-DĂŠfenseur: Arnaud Zabaldano Arnaud Zabaldano Zabaldano Law Office is a law firm established in the Principality of Monaco dealing with the most complex matters often with an international dimension. It represents corporate and private individual clients who require dedication, professionalism and commitment. The law office consists of a multi-disciplinary team who has extensive experience in practice areas such as banking and finance, commercial and business law, international law, real estate and construction as well as employment law and criminal law.

â&#x20AC;&#x17E;

I am proud of my Law office, which consists of a multi-disciplinary team who has extensive experience in practice areas such as banking and finance, commercial and business law, international law, real estate and construction as well as employment law and criminal law. Arnaud Zabaldano

Arnaud Zabaldano, its founder, is a Barrister at the Monaco Bar, where he has practised since 2001. With a postgraduate degree in Economic and Business Law, he has naturally focused the law office practice on business law, in litigation, arbitration and advice. Committed to the values of the legal profession, Mr Zabaldano strives to best meet clientsâ&#x20AC;&#x2122; needs, combining legal excellence, innovation and availability. Having adopted a strong international approach, Zabaldano Law Office handles many matters with an international aspect and has developed real expertise in transnational cases.

For internal use only. Please read the disclaimers!

Most team members have had a university education abroad or have practiced as a lawyer in other jurisdictions. Thanks to its experience on the international level, the Law office works hand in hand with many professionals abroad. It thus relies on a network of prestigious international correspondents in order to provide the best support to its clients. The firm works both in French and English. Some members also speak Italian, German, Dutch and Spanish.

Monaco Players Report 2014 Q1

Most searched Financial Advisors in Q1, 2014 MOST SEARCHED FINANCIAL ADVISORS 1.

CROCI & ASSOCIES

BRYCH FRANCOIS JEAN

GARINO STEPHANE

VANESSA TUBINO

ARGENTUM

MONSIEUR ALAIN REBUFFEL

TOMATIS CLAUDE

BRYCH DELPHINE

PALMERO CLAUDE

10.

ROSEMONT MONACO SAM

11.

SAMBA JEAN-PAUL

12.

BOISSON CHRISTIAN

13.

FUSINA BARBARA

14.

DIDIER MEKIES EXPERT COMPTABLE

15.

LECLERCQ ALAIN

Monaco Players Report 2014 Q1

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Most searched Financial Advisors in Q1, 2014

Monaco Players Report 2014 Q1

Most searched Financial Advisors in Q1, 2014

Monaco Players Report 2014 Q1

Trending topic: Venture Capital

Monaco Players Report 2014 Q1

Business Angels Talking about Venture Capital there is a very flowering type of investment in the Principality of Monaco, called Business Angel investment. We refer as “Business Angels” to private investors who are investing small capitals into early stage or startup companies. Usually the average equity investment is between 50 000 Euro and 500 000 Euro. In many cases Business Angels are investing into the idea, the concept and the persons behind it. “Business Angels invest either individually or as part of a syndicate, in high growth businesses.” What makes this type of investment very interesting is the excitement factor. Business Angels are usually looking for attractive financial returns, high growth potentials and clear exit paths. To achieve their investment aims often they are ready to take higher risks as well. In these type of investments the pitch is everything, it is a compelling story which is the most important element to attract the attention of an investor. However since it is a kind of story telling it often falls into broad or fictional categories. Comparing the past years statistics we can see that only one out of ten investments are able to bring a ten times capital invested. For internal use only. Please read the disclaimers!

Meanwhile almost sixty percent of the investments fail to return the capital. The risk is high, but the expectations are clear. Business Angels are usually looking for ten times of their investment capital over a three years period. The most popular start-up ventures types are those which stand out from the competition and which, with their product are able to change the landscape of their industries. It is even better if their product is a patented innovation. However the most successful fund raisers are those that solve a truly massive human problem. Or at least they liberate people from automating tasks, freeing up valuable time. In these cases the story focuses on what the world will look like when the problem will be completely eradicated. One of the most important thing for you as an investor is to look beyond the product and to try to discover its advantages and potentials. You can always change the surface of a product or the way how to market it. Personally I am a partner in a watch company which created a new label and a new chemistry patent. Many investors I approach stopped at the look of the watch, which is always an individual feeling. However they forget that an industry patent can be a big game changer. An investment is supposed to focus on the possible returns without allowing play for emotions.

When you spend time in the Principality of Monaco and you are interested in the field of investment, you can notice that every month there are various events dedicated to Business Angels. Many start-ups that are looking for additional funds, travel to Monaco to make an often eight minutes only presentation to catch the attention of the Business Angels. They know that the Business Angels are willing to invest in early stage and these equity investments can dramatically increase the business potential of these companies.

Trending topic: Venture Capital “Based on experiences many investments will require for further capital injection. The follow-up funding is usually further 50% in the upcoming years.” When an idea is exciting and the concept is clean then Business Angels are willing to take the risk in the hope that the concept and a great execution will bring the desired success. As you can see in other investment areas such as Venture Capital, in many cases Business Angels go in syndicate to reduce and diversify the initial risk. This way they also have the potential to invest into various projects securing a higher success rate on the return. Usually a person behind the start-up company or the idea and his capability for success is considered as a main factor. Therefore one of the most important pre-investment phase is the due intelligence of the involved people. In many cases Business Angels trust more in the people involved than the idea itself. Business experience is not requested but obviously it could bring a huge advantage to the table. When a funding project involves experienced business people, who understand their obligations towards the Business Angels, as well as they know how to commercialise their ideas, it can deliver a very positive impact during the fund raising. To understand the difference between “LifeStyle business” and real entrepreneurship in a Business Angel investment is almost crucial. Investors are not aiming to fund someone’s lifestyle. For internal use only. Please read the disclaimers!

Monaco Players Report 2014 Q1 “Keep directors’ salaries under control. It is always better to offer them higher compensation with corporate shares related to business results, instead of exceptionally high, fix monthly salaries.” The whole fund raising process can be fastened up by the people involved. To develop, gain result and quality in any business sector the most important thing is to create simple and well connected business processes that Business Investors relate to in a clear way. This gives a transparent overview to all the involved parties and a much better understanding. When people fully understand the corporate processes they are ready to come up with innovative ideas. This is especially important since investing as a Business Angel always requires that “first instinct”. To reach this, we have to agree that any kind of improvement comes from fully understanding the specific area, and by making it as transparent and clear as possible to the people working within it. When we can reach the full understanding on the business model or idea we can be in a very grateful situation. Despite other investments, Business Angels do not spend that much time on the legal process and they never allow the legal steps to overtake the importance of the due intelligence.

Source:

Living in Monaco book and digital platform A professional business relocation, wealth diversification and investment guide which answers to the really important questions. www.livinginmonaco.com

Out of the Box Investment Ultra-Luxury Innovation

Facts & Figures Sector:

Watch industry & Ultra-Luxury Collectable

Location:

Monte-Carlo, Monaco (representative ) Berlin, Germany (headquarter)

Stage:

Early growth

Revenue streams: 1., Industry royalties (Chemistry & Mechanical patent royalty) 2., Own watch collections Funding requirement: 970 000 Euro (of which 520k already invested by the founders) Investment offer: 450 000 Euro in exchange for 30% company share hold 49% patent royalty (which drops down to 30% once the capital has been recap) Min. subscribe:

Monaco Players Report 2014 Q1

100 000 Euro

For internal use only. Please read the disclaimers!

Chemistry patent and luxury innovation for the dialâ&#x20AC;&#x2122;s surface. Two mechanical patents secure no competition at all with other brands. The surface of the first collection is already listed among the TOP 100 Ultra-Luxury items in the World and is connected to the Princely Palace of Monaco. The chemistry patent and the two mechanical patents secure no competition at all with other brands. The real value is in the innovation and luxury combining a brand new element, moulding it for an ultra-luxury timepiece, which has never been manufactured before. Ultra-Luxury brands are competing with complexity and highend movements, while there is a serious segment for classical elegance with unrepeatable and innovative surface to achieve a very high level of rarity. The international patents offer two revenue streams for the brand. One from the current and all the future ultra-luxury watch creations and the other from the industry royalties, which is 5% from all the net sales of other brands using the patented innovation. Internationally patented creative innovator Dodo Newman created a unique material including Diamonds and Crystals as the surface for HSH Princess Charlene of Monaco, which has been selected into the TOP 100 Ultra-Luxury items in the World (January 2014).

In 2013, following her research in the related field and having held various speaking engagements in Monaco about Out of the Box Innovation (Monaco Business Society, Club des RĂŠsidents Etrangers de Monaco, International University of Monaco) Newman realised a market need in the ultra-luxury segment, as well as the novelty of her innovation in this niche market. The investment is a qualified investment since the limited surface material already has achieved collectible status and proven selling record since 2012, as well as the patents securing long-term advantages, patent royalty income. International Growth High end luxury watch brands, and ultra luxury collectable manufacturers in the watch industry will be working with the 3 news patents. Using the Chemistry patent the brands will create innovative and never seen before surfaces that are not only different, but also provide more potentials for achieving new effects as well as reaching out to new buyers. The brand also assumes that many other watch brands will use the surface in their own production facilities and it will become a requirement that all royalties from the patent be contracted to the Monaco branch office. Prior to this, revenue will come from profit shares as well as patent royalties. Contact Dodo Newman contact@inspirationmanufacture.com

The history The Creator of the original material for the Desire Collection's surface is Dodo Newman.

Rareness & TOP 100 Ultra-luxury

A peculiarity is that when Newman started to create the Jewelry-artwork called "The Biggest Love Story" as a commemoration for the Royal wedding and the forever bonding love of His Serene Highness Prince Albert II and his beloved wife Her Serene Highness Princess Charlène of Monaco she was few months pregnant. This was an element that added to the inner beauty and its uniqueness of the work.

The surface of the Desire Collection is unique, one and only for each timepiece. Every watch is an individual state of art in itself. They represent a one of a kind collectors’ item.

However after the creation of the masterpiece the release of the materials in the air, the highly toxic resin and the natural pigments could have meant danger and many complications for the unborn Life.

The unmatched, exclusive surface is the highest ranked watch surface in the World (TOP 100 Ultra-Luxury Trends, January 2014).

Luckily the baby girl was born without any complication and Dodo’s work was celebrated in many medias stating as “the performance of priceless art transcendent value of the precious love” and it was selected into the TOP 100 Ultra Luxury trends in 2013.

There is no two surface of the Desire Collection that matches, they are unique because of the original provenance of the related collectible item that has been chosen in to the Top of the Ultra-luxury world.

The ultimate aim, to celebrate Life and Love in one masterpiece, is well extended in the limited pieces of the Desire Collection.

Most searched Real-Estate Agencies in Q1, 2014 MOST SEARCHED REAL-ESTATE AGENCIES 1.

AGENCE MAZZA IMMOBILIER

GRIMAUD ET CIE - CABINET P PALMERO SCS

ROYAL RIVIERA IMMOBILIER

MICHEL PASTOR GROUP - MPG

HELENE PASTOR-PALLANCA SAM

SEGOND IMMOBILIER

PIETER VAN NAELTWIJCK

AAA MONACO TOWN & SEA IMMOBILIER

GROUPE MEMMO SCI

10.

IMMOBILIA 2000 (SNC VARON-COLETTI)

11.

AGEDI

12.

CHAMBRE IMMOBILIERE MONEGASQUE

13.

PYTHAGORE SAM

14.

ABK REAL ESTATE

15.

AGENCE AFIM

Monaco Players Report 2014 Q1

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Most searched Real-Estate Agencies in Q1, 2014

Monaco Players Report 2014 Q1

Most searched Real-Estate Agencies in Q1, 2014

Monaco Players Report 2014 Q1

Trending topic: Monaco Market Gap

resting business opportunities. Furthermore art secured lending is able to unlock your liquidity for investment or personal finance purposes. Art secured lending is not a new business, it was first pioneered in the 1970s. However during the past years art-secured lending became a niche service of the wealth managers and the banks targeting the HNWI individuals. It is usually offered up to five years against artworks which have proven track record on the secondary market. You can also be eligible for art secured lending if your artwork has never been presented at the secondary market, but it has a significant Fair Market Valuation. It is a price that similar works of art sell at auction and is generally accepted to be a reasonable estimate of fair market value.

Swirl by Dodo Newman For internal use only. Please read the disclaimers!

Monaco Players Report 2014 Q1

Custom Tailored Performance Sessions

Monaco Players Report 2014 Q1

Corruption Prevention

Organization Behaviour

Monaco recently signed up for the new corruption law. Business leaders are equially and legally responsible for the corporate corruptions commited by employees.

Organizational Behavior is an application of knowledge about how people, individuals, and groups act in organizations. It does this by taking a system approach. That is, it interprets peopleorganization relationships in terms of the whole person, whole group, whole organization, and whole social system. Its purpose is to build better relationships by achieving human objectives, organizational objectives, and social objectives. Main objectives: personality, values, ethics, leadership, motivation, change management, crosscultural management.

Corrpution Risk analysis and Corruption prevention is detection and elimination of the causes and conditions of corruption through the development and implementation of a system of appropriate measures as well as deterrence of persons from the commission of crimes of corruption. For further information please contact: info@monacowealthmanagement.com

For further information please contact: info@monacowealthmanagement.com

NO EXCUSE!

Competitive Intelligence

Thinking outside the box and challenging the existing economic situation. Handling all the inhouse excuses and the business underperformances.

Competitive intelligence is an ethical and legal business practice.

You are losing almost 90% of your business potentials because of not handling business excuses such as price, time, budget, lawyers, etc... as well as the unseen marketing gaps. Guaranteed 90% of succes on sales closing with pre-qualified prospects. For further information please contact: info@monacowealthmanagement.com

Competitive intelligence essentially means understanding and learning what's happening in the world outside your business so you can be as competitive as possible. It means learning as much as possible - as soon as possible - about your industry in general, your competitors, or even your county's particular zoning rules. In short, it empowers you to anticipate and face challenges head on. For further information please contact: info@monacowealthmanagement.com

Monaco Wealth Management

Monaco Players Report 2014 Q1

MonacoWealthManagement.com The Monaco Wealth Management portal is dedicated to the people who are looking to secure their funds and assets in the Principality of Monaco. Monaco Wealth Management collects all the trusted banks, wealth manager companies and the professional lawyers and financial consultants into one virtual place. The concept of Monaco Wealth Management was realized in 2010. Concept of the business portal is to support the local wealth management community. The Monaco Wealth Management portal is an unbiased (also selective) itinerary in the business life of Monaco. Money is much more exciting than anything it buys! However CREDIBILITY becomes the number one priority. Using multiple indicators the MonacoWealthManagement.com and Monaco Business Index provides reliable information of the business entities of the Principality of Monaco. MonacoWealthManagement.com is one of the top ranked, top Google search rated portal in the Principality of Monaco. It is the Number 1. among non-payed search results, based on purely the competency of its content and the number of its visitors. The Monaco Business Index monitors many aspects such as company, personal and environmental indicators.

For internal use only. Please read the disclaimers!

Monaco Wealth Management LTD Incorporation number: 095362 Jurisdiction: Seychelles The Monaco Business Index engine also works closely with the MonacoWealthManagement.com portal solution combining the audience's interest and to measure the efficiency. Week-by-week millions of visitors had a chance to discover the Principality of Monaco and to use the two portal solutions as their itinerary during their stay, visit.

http://www.monacowealthmanagement.com info@monacowealthmanagement.com Communities: http://www.linkedin.com/groups?gid=3299768 http://www.facebook.com/monacowealthmanagement http://www.twitter.com/monacowealth

Disclaimers DISCLAIMERS

Monaco Players Report 2014 Q1

Present Report serves as the writerâ&#x20AC;&#x2122;s interpretation of his/its personal business views, without specific advice on any personal or corporate requirements. You are encouraged to seek professional, legal or investment advice.

or consequential damages that result from the use of, or the inability to use, the materials or information on the Sites, or any products or services provided pursuant to the Sites, even if advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall the total liability to you by us or any of our licensors or suppliers for all damages, losses, and causes of action (whether in contract, tort, or otherwise) exceed the amount paid by you to us, if any, for accessing the Sites.

All readers should consult their own Authorised Business Adviser and/or, Solicitor or other specialists before placing money at risk or attempting to implement any of the strategies discussed, and should always employ prudent policies and practices appropriate to their own particular circumstances.

Under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of any advice, goods or services you receive from a guest speaker on our Sites or at one of our events.

Anyone reading this Report is solely responsible for their interpretation of its contents and for their own decisions and actions.

We are also not responsible or liable for any loss or damage that is caused or alleged to have been caused to our guest authors, partners in connection with the display of their photo, name, or biography posted on our Sites or in our marketing materials.

Present Report is not a substitute for independent professionals, investment or legal advice.

Owners and Collectors of Information These terms of use apply to your use of all of the Sites and services owned or operated by Monaco Wealth Management Ltd. (collectively "we," "us," or "our"), including MonacoWealthManagement.com, mcbl.biz, LivingInMonaco.com and any other site or business materials, reports that we have owned or operated, do own and operate or may own or operate in the future (collectively, the "Sites"). Unless we say otherwise, all references to the Sites in these terms of use include all such Sites. Limitation of Liability Under no circumstances, including but not limited to negligence, will we or any of our licensors, partners or suppliers be liable for any special

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