In our research with high-net-worth HNW individuals, we unearthed a certain profile of wealthy investors — the Sunseekers. Their motivations are to be in a country with a better climate, to have a comfortable retirement and to have the opportunity to get back to the hobbies and passions they love. The challenges to be met — a unique family model for each of our clients recomposed families, etc.
One only has to look at recent news such as the Jarre or Hallyday affairs to realise how many problems these two components of a unique family model and an international dimension can cause. Not to mention the lengthy judicial proceedings initiated by the heirs to determine the law applicable to the inheritance. Is life assurance an ideal solution for passing on an estate? The advantage of an investment within a life assurance product from a Luxembourg insurance company is that it enables your assets to be managed and passed on totally serenely and in a highly flexible way.
Also for its fiscal neutrality, in particular in respect of inheritance tax. Our experts will accompany you to enable you to draw up your inheritance solution. Inheritance rules and practical application: how does this work? They wish to plan their inheritance for their three children — Jean, who lives in Sweden, Paul, who lives in Portugal, and Jeanne, who lives in Belgium. As a Luxembourg life insurance company, the couple will be advised to take out a joint life assurance policy governed by French law to be redeemed upon the death of the second party.
After the death of the first insurance policyholder in France, the surviving spouse, who in the meantime has moved to the south of France, will regain control over the life insurance policy until their death and when the policy is redeemed each of the children will then receive equal shares of the insurance proceeds. What tax will their children pay? An IoT connected retailer can make its operations smart. Connected devices can help with inventory optimization, supply chain management, labor management, waste management, as well as keep its data centers green and its energy use smart.
Social media is no longer a vanity platform, but rather it is a place to both connect with current customers as well as court new ones. It is also a powerful branding channel that can be utilized to both understand a retailer's position in the market, as well as a place to benchmark its position against its competitors. Today, technology moves at break-neck speed and it can offer the potential of anticipatory capabilities, but it also comes with a confusing variety of technology and technological terms--Big Data, Cognitive Computing, CX, Data Lakes, Hadoop, Kafka, Personalization, Spark, etc.
The Predictive Retailer will help make sense of it all, so that a retail executive can cut through the confusing technological jargon and understand why a Spark-based real-time stream processing data stream might be preferable over a TIBCO Streambase one, or an IBM Streaming Analytics one.
Andrew Pearson The Predictive Retailer is a retail company that utilizes the latest technological developments to connect with its customers to deliver an exceptional personalized experience to each and every one of them.
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