A N I N T R O D U C T I O N T O O U R F I N A N C I A L P L A N N I N G S E RV I C E S F O R AV I AT I O N P R O F E S S I O N A L S

Managing your wealth and navigating your way through financial markets can be challenging.

We will keep you on the right path.

WELCOME TO

A PARTNER PRACTICE OF ST. JAMES’S PLACE WEALTH MANAGEMENT

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We specialise in the provision of personally tailored, face-to-face financial advice

strengthened by our depth of experience and access to the distinctive approach to

investment management offered by St. James’s Place.

In my role as Wealth Manager at Henman Wealth, my goal is to unburden pilots from

the complexities of managing their personal finances, in turn allowing them greater

freedom to focus on their career, family and personal interests. I do this by providing

my clients with quality financial advice delivered transparently and personally.

Some of the key aspects of our business and the services we provide - as well as what

you can expect if you become our client - are outlined over the next few pages.

If you have anything you would like to ask, or if you simply would like to know more

about us, I would be pleased to hear from you.

Thank you.

Philip ChildsWealth Manager, Henman WealthSpecialist in supporting those in the aviation industry

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UNDERSTANDING THE NEEDS OF AVIATION PROFESSIONALS

Working in China provides an excellent opportunity to combine an exciting chapter

of your aviation career with the earning potential to become financially secure in

later life.

The lack of company pensions and the absence of financial protection for many pilots

employed by Chinese carriers can however be concerning.

At Henman Wealth, we understand the financial challenges faced by foreign

pilots working in China and through one-on-one consultation we gain a thorough

understanding of your present circumstances and future aspirations and then together

create a robust strategy for you to achieve your financial goals.

HOW WE CAN HELP YOU

Investment

The right investment planning can offer real opportunities to grow your wealth

and protect it against the damaging effects of inflation. Through St. James’s Place’s

distinctive approach to investment management and extensive experience in managing

globally-spread assets we guide our clients through the ever changing economic climate.

Retirement

Retirement planning can be complex, so regardless of the life stage you have arrived

at, it’s important to receive expert and professional advice.

For many aviation professionals, your retirement will mirror the length of your

working life. Saving into personal pensions are just one of the options for a prosperous

retirement; we can also advise you on how to take advantage of the wider opportunities

available to you, such as Income Drawdown and Phased Drawdown.

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ProtectionProtecting the wealth and financial future of our clients and their families is a key element of our service. We are specialists in providing solutions to meet the exceptional insurance needs of aviation professionals, such as unusually high levels of life cover.

Tax Planning We can help to arrange your investments and income as tax efficiently as possible, whether you are investing for your own benefit, for your family, or for other beneficiaries.

Additional servicesWriting a Will is an essential component of effective planning and vital to ensure your assets are passed correctly. This service is separate and distinct to those offered by St. James’s Place.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

SPECIALISTINSURANCE

EMPLOYEEBENEFITS

LONG-TERMCARE

LIFEASSURANCE

FINANCIALPROTECTIONAGAINST RISK

MANAGING CASH &

BORROWINGS

BUILDING & PRESERVING

CAPITAL

INVESTMENTS

PENSIONS & PENSION ANNUITIES

PORTFOLIO MANAGEMENT

TRUST & ESTATE

PLANNING

CASHSAVINGS

MORTGAGES

COMMERCIALLENDING

HEALTHINSURANCE

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ABOUT ST. JAMES’S PLACE

St. James’s Place manages over £65 billion of client funds under management and through the Partnership, provide highly personalised face-to-face wealth management services to individuals, families, trustees and businesses, designed to suit individual long-term requirements.

BUILDING LONG-TERM RELATIONSHIPS

We place clients at the very heart of everything we do and recognise that your circumstances and objectives are unique. Our advice and service are personally tailored to you, and are underpinned by St. James’s Place’s distinctive approach to investment management in which the Investment Committee select from some of the best fund managers from around the world. Clients often continue the working relationship with us over many years, appreciating a source of trusted advice as their financial needs and priorities evolve over time.

YOUR PERSONAL GUARANTEE

To provide you with added peace of mind and reassurance, St. James’s Place also guarantees the suitability of the advice given by members of the St. James’s Place Partnership when recommending any of the wealth management products and services available from companies in the group, more details of which are set out on the group’s website at www.sjp.co.uk/products.

AWARD-WINNING WEALTH MANAGEMENT

THE ST. JAMES’S PLACE DISTINCTIVE APPROACH TO INVESTMENT MANAGEMENT

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OUR APPROACH

At St. James’s Place we recognise that no single investment house has a monopoly on

investment expertise, and therefore we do not employ in-house investment managers.

Instead our Investment Committee carefully selects a number of external managers of

outstanding ability to manage our range of funds. This gives us:

• the freedom to select first-class managers from the global investment

market to manage our funds on behalf of our clients

• the ability to change any of these managers at short notice if we have lost

confidence in them, without any charges, or tax, or inconvenience to

our clients

• the opportunity to offer our clients real investment diversification by

spreading their money across funds managed by different managers with

different styles.

We believe the process we follow provides you, our clients, with the best chance

to achieve superior returns over the medium to long term, using the best and most

appropriate solutions available.

The value of an investment with St. James’s Place will be directly linked to the

performance of the funds selected and may fall as well as rise. You may get back less

than the amount invested.

You can read more about this at www.sjp.asia/our-investment-approach

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ARRANGE A MEETING

Please feel free to contact me should you have any questions or to arrange a no-obligation

meeting which can be scheduled around your flight roster or other commitments.

Philip ChildsWealth Manager, Henman Wealth

Specialist in supporting those in the aviation industry

Tel: +86 21 6045 2688

Mob: 156 1874 0538

Email: philip.childs@sjpp.asia

Website: www.sjpp.asia/henmanwealth

St. James’s Place Wealth Management, 20/F, Tower 1, Jing An Kerry Centre

1515 Nanjing Road West, Shanghai, China 200040

Tel: +86 21 6045 2688 Website: www.sjp.asia

The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.Members of the St. James’s Place Partnership in Shanghai represent St. James’s Place (Shanghai) Limited, which is part of the St. James’s Place

Wealth Management Group and is a Wholly Foreign Owned Enterprise (WFOE). WFOE registration No. 31000040060051.St. James’s Place International plc is authorised and regulated by the Central Bank of Ireland.

St. James’s Place International plc Registered Office: Fleming Court, Flemings Place, Dublin 4, Ireland.Registered in Ireland Number 185345.

Please note that due to local legislation we are unable to offer our financial planning services to nationals of the People’s Republic of China.

SJPA9108-VR1 (09/16) SH