Charles Monet Associates
Home About CMA Services Of Interest Contact
DEBT PROTECTION

BUSINESS CONTINUITY

ENHANCED CHARITABLE GIVING

RETIREMENT PLANNING

ASSET DIVERSIFICATION

DEBT PROTECTION

Mr. Chan's business had grown from a small one man operation in the early 80's to a well respected corporation with more than 50 employees in a little over 15 years. In early 2000, he decided to expand his manufacturing business into China and, in the process, had to sign significant personal guarantees in order to secure financing for construction of his manufacturing plant.

Mr. Chan needed a solution that could help reduce his borrowing cost and to protect his family in the event something should happen to him.


Mr. and Mrs. Wong have built up a significant real estate portfolio over the past 35 years. In the course of the past three decades they have retired most of the debt and are now living in comfortable retirement on the returns of these properties.

Rental yields have far from recovered after the tumultuous years of 1996 – 1998 and the Wong's are looking for a possible way to enhance the returns of their property portfolio and to return their lifestyle to the pre-1996 levels.

[back to top]

BUSINESS CONTINUITY

Mr. Jeremy and Mr. Teo have a thriving consulting firm specializing in intellectual property rights for the entertainment industry. Business is booming and they are gearing up for a strong few years ahead. They both travel frequently, sometimes to inaccessible places.

Both are married with young children and are concerned with whether their family would be able to add value to the firm in the event they were to take over the shares suddenly.

Mr. Jeremy and Mr. Teo were looking for a solution to ensure the continuity of their business in the event of either of them passing away.


After working several years as an engineer, Mr. Rajah decided to start his own contract engineering firm 25 years ago. Things have gone very well and today he is presiding over a large firm with operations in nearly a dozen countries. His business assets constitute nearly 85% of his net worth.

Mr. Rajah is hoping to pass his business on to his children, but is concerned that they are not all interested in continuing in the family business.

[back to top]

ENHANCED CHARITABLE GIVING

Ms. Yeow has spent the past 30 years building an impressive career in international law and spends what little free time she has in working tirelessly for her favorite charities. Ms. Yeow wishes to ensure that her favorite charities will continue to be financially protected even after she is unable to help out.

Ms. Yeow is looking to enhance her charitable giving for many more years.

[back to top]

RETIREMENT PLANNING

Mr. and Mrs. Jones have spent the greater part of their working lives in Asia, living as expatriates in several countries. With retirement approaching they are concerned that they will not be able to maintain their life style, even with the relatively generous retirement plans of Mr. Jones' company. They wish to continue travelling and intend to spend a lot of time in the familiar countries in Asia, even after they return home for retirement.

[back to top]

ASSET DIVERSIFICATION

With his so-called "Next Generation" fund set aside, Mr. Nathan is concerned about the low returns on the investments; particularly about the funds being depleted before his grandchildren grow up. Given the low yields on the long term assets he’s put the fund in, he feels he needs to take a more active participation in the management of these assets to increase the returns and thus increase the economic life of the fund, beyond the period where his grandchildren may need it for education and initial financial support.

[back to top]
Copyright © 2005 Charles Monat Limited. All rights reserved. Privacy Policy & Terms of Use