WORKSHOP GUIDEPolaris

The New Generation of InvestmentBuilt Especially For Yacht Crew

WORKSHOP GUIDE

Who are we?Established in 1992, Yachting Financial Solutions are the specialist financial planners for yacht crew. We are regulated by the Central Bank of Ireland and are elected members of FEIFA (Federation of Independent Financial Advisors)

About Yachting Financial SolutionsTHE FINANCIAL PLANNERS FOR YACHT CREW

SINCE 1992

Where are we? (Everywhere)Our headquarters are in Cork, Ireland, close to Dell and Apple’s European bases. Our head office is backed up by our main customer care centre in Quezon City, Philippines. From these two locations, we provide help for our clients across multiple time zones.

We also have additional customer care centres in Antibes, France, and Palma, Spain, where you can come and meet our friendly, professional team. In addition, we have a Crew Business Lounge in Antibes, which is available to all yacht crew for free.

Our directors operate a programme of international travel to all major yachting hubs to meet with clients.

If we cannot meet you face to face, we will arrange a Skype video call or phone meeting, wherever you are in the world.

Why choose us?We have been helping professional yacht crew from around the world with all aspects of their finances for 25 years. We know about yachting and we know about finances.

As we only work with professional yacht crew, we understand your financial needs in a way that other financial planners can’t.

We are also the only financial planners who develop financial products exclusively for yacht crew.

Why do I need to invest?Yachting sounds like the dream job. You travel the world on luxurious boats, making good money and without any actual living expenses. At the same time, it’s tough and demanding work, and your career span is probably shorter than in other jobs. So it makes sense to think ahead.

You could just save what you have left at the end of the month (if anything) and leave it to sleep in your bank account.

Or you can make your money work as hard as you do. You can make it grow, so at the end of your career you have enough money to be financially independent.

If you’re yacht crew aged 25 to 30, earning around 50,000 per year, did you know that over the next 15 to 20 years, you’re a potential millionaire? BUT the real test is not how much you earn, but how much YOU KEEP FOR YOURSELF. If you want to follow your dreams after yachting, and live life on your terms, you’ll need MONEY.

Investing

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The Polaris Advantages for You!What’s Polaris?

Polaris is an innovative investment structure built especially for the yachting lifestyle. It has been designed for the medium to longer term (five to 10 years) and offers five flexible strategies of stock market, non-stock market, property and bond investments.

Polaris also offers a range of optional features that will help you manage your investments to suit your needs.

What’s different about it?

Clearly the world economy is changing fast and we believe that we must help our clients to take advantage of these changes.

Polaris was initially conceived in 2009 as the opportunity to invest in a diversified portfolio of non-stock-market-related assets, using our own 21st-century investment model.

Following overwhelming client demand, we have since developed a suite of Polaris investment options for yacht crew.

Funds/Assets

Following the market turmoil of 2008, we looked closely at the funds available from all of our conventional providers. As none had the full collection of innovative funds or asset classes needed to meet the new 21st-century investment paradigm, we decided in early 2009 to create our own collection of bespoke strategies (fund portfolios) to meet this need. They are not only non-correlated to world stock markets, but also offer property, stock market, corporate bond and income-producing strategies, using some of the most successful investment managers worldwide.

Structure

In reviewing fund availability and the offshore holding structures available, it became clear that our previous providers were finding it more and more difficult (in some cases impossible) to deal with our yachting clients, due to increasing EU and FATF regulation. Designed to combat fraud and malpractice, EU and FATF regulations don’t take the special circumstances of yacht crew into consideration. So we went looking for a solution.

Our regulatory status in Ireland has enabled us to choose a provider that can provide long-term products and services to our clients, wherever they may be in the world. This flexibility is what makes Polaris so suited to yacht crew.

Even better: Polaris’ open architecture structure allows us to hold almost any asset class. This is impossible with a conventional structure. For example, you have the ability to hold physical precious metals or actual property as part of a non-stock market strategy. You aren’t limited to just funds. This makes Polaris even more flexible.

You can choose from a selection of five strategies.Available exclusively to clients of Yachting Financial Solutions.

Five Flexible Strategies

+++ Want full control? YFSOL Trader +++

For investments over EUR 40,000 you have access to a self-managed online trading facility held within the overall structure. That means you can trade yourself in all major sectors.

YFSOL H [Harmony]Harmony is a ‘best-in-breed strategy’. We work with Momentum Asset Management, who identify the best managers in each investment sector worldwide and invest in those funds.

YFSOL V [Value] Invests in leading funds that identify companies that are undervalued by the stock market.

YFSOL S [Stars]

Invests in property both in the UK and Europe. It focuses on value-added property funds, e.g. care homes, student accommodation, holiday parks and the LAMP fund, which renovates distressed London property for quick resale.

YFSOL C [Core]A low-volatility, corporate bond strategy with high liquidity and the potential for higher growth above a 6% target baseline.

You can choose from a range of strategies. Would you like little or no correlation to world stock markets (allowing for future growth while avoiding potential short-term stock market volatility) or a strategy that that invests in property? Maybe low-volatility corporate bonds are better suited to you? Would you like a strategy that produces regular income payments? Or one that combines a choice of stock market strategies? Whatever you want and whatever suits you best, Polaris has got you covered.

YFSOL SRE [Strategic Real Estate]

High-growth stock market/hedge fund strategy that has six superstar investors from both sides of the Atlantic working for you!

Additional Options

YFSOL Polaris Classic Opportunities

Polaris isn’t only about stock markets, hedge funds and bonds. It also has a selection of additional investment options that get your money working for you in out-of-the-box and one-off investments. These are sometimes available in GBP or USD as well as EUR, depending on the opportunity.

Even more options to help you invest your money how you want to

Polaris Classic Opportunities are opportunities of distinction. They allow you to put money into classic one-off, time-limited investments. They are things that have a long history. They are often unique or rare things with a record of increasing in value. Our current Classic Opportunities include:

Fine wineInvest in a carefully selected basket of Bordeaux wines from among the best estates. Demand for fine wine increases year on year, while bottles of each vintage become scarcer.

Classic carsOwn a share of the world’s leading classic car fund. Actual, tangible classic cars, the value of which rises as they become rarer and more sought after.

Music royaltiesOwn a share of the performance and recording rights of some of the biggest songs by the biggest artists of our time. Music streaming services mean music rights are big business again.

Quadrant investments are structured product offerings, usually providing both controlled-risk and capital safeguards for your investment. Quadrant investments are usually for a fixed term of 4-5 years. During that time, investors have no access to invested capital.

Not current availability—We can launch subject to demand.

YFSOL Polaris Quadrant

YFSOL Polaris Special Opportunities

Polaris Special Opportunities are the kind of investment opportunities you don’t see elsewhere. They are ones that raise an eyebrow. They aren’t for everyone, but they do reflect changing attitudes in society. allow you to put money in one-off, time-limited investment opportunities. Our current Special Opportunities include:

Legal marijuanaAttitudes towards cannabis are changing. Recreational and medicinal use are becoming more widespread. Imagine owning a stake in a basket of legal cannabis companies at the dawn of widespread legalisation in western countries.

Blockchain/cryptocurrenciesBlockchain not only drives cryptocurrencies. It is also being used by global technology companies to safeguard production processes, logistics chains, peer-to-peer lending structures—and solve many other challenges. Invest in the whole spectrum of blockchain possibilities.

POLARIS is a lump sum investment structure containing a selection of investment portfolios

(strategies) designed to take full advantage of the investment climate in the 21st century.

Polaris is a Custodian Life Exclusive Investment Bond linked to exclusive investment options for clients of Yachting Financial Solutions.

● The structure is designed to operate over anything from the medium (5-year) term to a lifetime asset.

● The Custodian Life EIB (Exclusive Investment Bond) has a simple charging structure:

o 100% invested at outset [3% held in cash to cover fees/charges]

o Establishment fee amortised quarterly—higher investments attract a lower charge

▪ EUR 25,000—EUR 249,999: 1.83% p.a. on original contribution only, Years 1-5

▪ EUR 250,000—EUR 499,999: 1.53% p.a. on original contribution only, Years 1-5

▪ EUR 500,000 upwards: 1.23% p.a. on original contribution only, Years 1-5

o Year 6 onwards: annual management fee—0.33% of policy value

o Early withdrawal charge—unamortised establishment fees are due until the end of the agreed contract period.

o Annual policy fee—EUR 400.

o Transaction charge—EUR 35.

● Highly flexible: access up to 80% of your investment without penalty at any time.

• Class C Insurer—the company is registered under the Bermuda Insurance Act 1978 and is under supervision of the Insurance Department within the Bermuda Monetary Authority (www.bma.bm)

• Policyholder protection—registered under the Segregated Accounts Companies Act 2000.

• The policies benefit from the tax-efficient treatment enjoyed by offshore bonds issued in Bermuda.

• Bermuda—One of the world’s leading offshore financial jurisdictions, with 75% of the world’s Fortune 100 companies operating within the country.

• Compared to Bermuda, no other country in the world has a higher percentage of actuaries, accountants or underwriters among its population

• Uncluttered and clear. Custodian Life specialises in one product, with 100% flexibility.

Who are they?

Custodian Life is the life assurance company that provides the administrative and custodial framework that powers Polaris.

Based in Bermuda, Custodian life was founded specifically to provide offshore investment solutions to international clients. Unlike most of its competitors, Custodian Life is a young insurance company driven by innovation. With a fully-open architecture life insurance policy, Custodian Life offers an innovative and flexible investment structure, giving clients the simplicity of building an investment portfolio in a tax-efficient environment.

About Custodian LifeWhy Bermuda?

Bermuda is now the pre-eminent jurisdiction for the insurance, reinsurance and investment fund industries. A major player in the insurance sector globally, third only to New York and London, with 75% of the world’s Fortune 100 companies working in the country.

Bermuda has become an industry powerhouse by basing its legal system on English law and developing a secure, modern and world-class physical and technological infrastructure. In addition, top global service providers have created a workforce of experienced, internationally-trained and qualified professionals.

In brief

Polaris investment strategies are available exclusively to clients of Yachting Financial Solutions.

Yachting Financial Solutions Strategies

Investment management fees

YFSOL strategies have an 0.75% p.a. investment management fee. The fee is split equally between Yachting Financial Solutions for investment and Custodian Life for administration.

A further 20% one-off performance fee is paid on the growth portion of each strategy when it reaches a new overall high point. This is split equally between Yachting Financial Solutions for investment and Custodian Life for administration.

Simple and fair.The more money we make for you, the more we

make for ourselves—and vice versa.

Visit: www.yfsol.com

Call: + 353 212 357 060

Email: info@yfsol.com

YFSOL AntibesGalerie du Port, Rue Lacan

06600 AntibesFrance

YFSOL Global HUBNSC Campus, Mahon

CorkIreland

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Q2 2020—8th July 2020