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How To Keep Your Money

How To Keep Your Money

Hosted by Caroline's Club

BusinessInterviews guests

Episodes

63

Latest episode

Feb 2026

Language

EN

About the show

Welcome to 'Caroline's Club'. You will hear first-hand discussions from a wide network of experts and respected specialists on how to protect and preserve the wealth of the world's rich and famous. Interviews are led by Caroline Garnham, CEO of GFOS, a lawyer and tax specialist with decades of experience in guiding UHNW families to the solution which best suits them and their family. Subscribe to our Podcast and learn from expert Professionals.

Listen to episodes

55 recent
February 25, 202630 min

Interpreting Complex Finance Across Cultures, Charters and Listed Reporting. Beulah Van Wyk

In episode 65, I talk to Beulah Van Wyk, an accountant and former finance director/manager who now helps stakeholders troubleshoot, interpret and resolve complex financial situations. Beulah shares how she moved into accountancy in South Africa, her interest in the legal side of finance, and how M&A experience shapes decision-making because in-house teams must "live with" reporting and value consequences.   Listeners learn practical lessons on balancing management information with listed-company reporting demands, managing systems implementations under pressure, and keeping operations moving while maintaining controls. Beulah explains a real structuring challenge where government empowerment and local ownership requirements conflicted with an integrated plant that couldn't be physically split, requiring contractual, transfer-pricing and asset-boundary solutions over 18 months. She also describes turning around a fragmented multi-country African operation by centralising procurement, enforcing cash controls, and building cooperation across cultures. The episode highlights the value of "interpreting" between finance teams and non-financial leaders.   CONNECT WITH CAROLINE: Our club ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ gives you real-life stories and examples of how our club professionals can guide you on 'How to Keep Your Money' ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Caroline's Club⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ caroline@carolines.club

February 17, 202628 min

Wealth Management, Client Trust & Multi-Bank Solutions. Iskra Martin of Azura Partners

In episode 64, I talk to Iskra Martin, partner at Azura in Geneva, who has over two decades in Swiss private banking and investment management and won the 2026 WealthBriefing Switzerland award for Women in Wealth Management (individual contribution). Iskra explains what she does day-to-day: onboarding and servicing clients across multiple banks, building KYC and provenance-of-funds roadmaps, restructuring wealth journeys, and designing portfolios aligned to risk and return expectations with investment advisors.   She describes how independence increases efficiency and flexibility, enabling faster decisions and tailored solutions such as sourcing mortgages in the right jurisdiction when one bank cannot help. The discussion covers building multi-generational trust, navigating strict cross-border regulation, and how Swiss banking has changed with heavier onboarding and reduced privacy while remaining a stable, high-quality platform.   CONNECT WITH ISKRA: ⁠Azura Partners⁠   CONNECT WITH CAROLINE: Our club ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ gives you real-life stories and examples of how our club professionals can guide you on 'How to Keep Your Money' ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Caroline's Club⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ caroline@carolines.club

December 16, 202528 min

Building a Multi-Disciplinary Practice. Dr. Jacqueline Champagne: Nine Psychology

In episode 63, Caroline is joined by Dr. Jacqueline Champagne, who holds a doctorate in clinical psychology, and is a member of the British Association for Behavioural and Cognitive Psychologists. Although Jacqui has worked for many years in the Central North West NHS Foundation Trust she has recently set up her own private practice, Nine Psychology in which she plans to build a multi disciplined practice to meet the varied needs of her patients.   CONNECT WITH JACQUELINE: ⁠Counselling Directory⁠ ⁠LinkedIn⁠   CONNECT WITH CAROLINE: Our club ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ gives you real-life stories and examples of how our club professionals can guide you on 'How to Keep Your Money' ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Caroline's Club⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ caroline@carolines.club

November 7, 202524 min

Supporting the London Youth Choirs. Rachel Staunton

In episode 62, I'm joined by Rachel Staunton, co-founder, director, and conductor of the London Youth Choirs. Rachel discusses the mission of London Youth Choirs to transform the lives of young people in London through singing, detailing their high-profile performances, the logistical challenges they face, and the significance of inclusivity and support for vulnerable children. The episode also delves into Rachel's personal journey, her perseverance despite health challenges, and ways listeners can support the choir, including through The Big Give campaign. Finally, we discuss plans for the choir's 15th-anniversary performance at the Royal Albert Hall.   CONNECT WITH RACHEL: ⁠⁠⁠⁠⁠⁠⁠⁠London Youth Choirs⁠   CONNECT WITH CAROLINE: Our club ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ gives you real-life stories and examples of how our club professionals can guide you on 'How to Keep Your Money' ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Caroline's Club⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ caroline@carolines.club

November 2, 202527 min

The Intricacies of Family Office Management. Kate Maguire

In episode 61, I interview Kate Maguire, a seasoned family office general practitioner. We explore the complexities of managing family wealth, including the importance of trust, communication, and understanding family dynamics. Kate shares her insights into the role of a family office general counsel, the necessity for confidentiality, and the value of bespoke advisory services. We also discuss the essential qualities required for the role, such as life experience, linguistic skills, and the ability to empathise with families' unique needs.   CONNECT WITH KATE: ⁠LinkedIn⁠   CONNECT WITH CAROLINE: Our club ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ gives you real-life stories and examples of how our club professionals can guide you on 'How to Keep Your Money' ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Caroline's Club⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ caroline@carolines.club

September 19, 202525 min

Is the UK Taxing the Wealthy Out of the Country? Dhana Sabanathan: Michelmores

Is the UK's approach to taxing wealthy residents becoming so complex and stringent that it may be discouraging them, and their advisors, from staying, and potentially deterring others from relocating here? Dhana Sabanathan, the leading Partner in the Tax, Trusts and Succession team in the London branch of Michelmores, tells us more.   In episode 60, Caroline interviews Dhana Sabanathan, the leading Partner in the Tax, Trusts and Succession team at Michelmores, a UK law firm with branches in London, Cheltenham, Bristol and Exeter. Michelmores describes itself as the destination law firm for the ambitious, the imaginative and the distinctive. Dhana specialises in helping clients navigate change – whether driven by evolving legislation, shifting residency, or complex family structures – ensuring they can make informed, confident decisions. Dhana has been independently ranked in the Private Wealth Law and Family Offices & Funds Structuring categories in Chambers High Net Worth Guide 2025 and is quoted as being "excellent to work with...and her advice provided is clear, consistent and easily digestible".   CONNECT WITH DHANA: ⁠LinkedIn⁠ Michelmores   CONNECT WITH CAROLINE: Our club ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ gives you real-life stories and examples of how our club professionals can guide you on 'How to Keep Your Money' ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Caroline's Club⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ caroline@carolines.club

August 16, 202526 min

Is Your Privacy in Danger of Being Hacked? Yes! Rob Moore: Token Recovery

In episode 59, Caroline interviews Rob Moore, Head of Investigations at Token Recovery Limited.  If you went into a post office with a sawn-off shotgun and stole a few thousand pounds, you would be arrested. However, if you steal data from a criminal who has hacked into your computer and threatens to steal your data and dump it on the dark web if you don't pay a ransom of millions in cryptocurrency, the police do not want to know. The criminals then launder the cryptocurrency on the dark web and enjoy its proceeds. It is hardly surprising that criminals are making big money from computer hacking. This is now a danger to us personally and professionally, and we need to be on our guard.    CONNECT WITH ROB: ⁠LinkedIn⁠ ⁠Token Recovery⁠   CONNECT WITH CAROLINE: Our club ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ gives you real-life stories and examples of how our club professionals can guide you on 'How to Keep Your Money' ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Caroline's Club⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ caroline@carolines.club

May 13, 202526 min

Navigating the Property Market. Charlie Ellingworth: Property Vision

In episode 58, I chat to Charlie Ellingworth, co-founder of Property Vision. Charlie discusses his journey from engineering and ship broking to founding the first buying agency dedicated to representing property buyers. He shares insights on the evolution of the buying agent industry, how Property Vision adapted its business model, and the state of the UK property market, emphasising the impact of stamp duty and shifting buyer behaviours. Additionally, Charlie touches on his role as a director and trustee of the Cadogan Estate, trends in the retail sector, and his adventurous hobbies.   CONNECT WITH CHARLIE: ⁠⁠Website⁠⁠   CONNECT WITH CAROLINE: Our club ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ gives you real-life stories and examples of how our club professionals can guide you on 'How to Keep Your Money' ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Caroline's Club⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ caroline@carolines.club

May 8, 202527 min

Building Trust and Financial Success. Robert Surtees: Affinity Group Financial Services

In episode 57, I talk to Robert Surtees from Affinity Group Financial Services. We delve into Robert's career journey, starting with his education in Product Design from Central St. Martin's College to his transition into financial planning. Robert discusses the importance of a client-centric approach, building trust, and his methodology in financial advising. We also touch upon his professional qualifications, the value of plain English in client communication, and the personal interests that enrich his professional life.   CONNECT WITH ROBERT: ⁠LinkedIn⁠ ⁠Website⁠   CONNECT WITH CAROLINE: Our club ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ gives you real-life stories and examples of how our club professionals can guide you on 'How to Keep Your Money' ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Caroline's Club⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ caroline@carolines.club

July 15, 202429 min

Joe Field: Holland & Knight

Joe Field is the founder of today's private client professional. He has his finger on the pulse, keeps up to date with emerging legal trends, and knows how to interpret them. Joe is a legend in his own time. It is, therefore, a tremendous honour to call him a friend and a great privilege to interview him on episode 56 of our 'How To Keep Your Money' podcast series.   CONNECT WITH JOE: ⁠LinkedIn⁠ ⁠Holland & Knight   CONNECT WITH CAROLINE: Our club ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ gives you real-life stories and examples of how our club professionals can guide you on 'How to Keep Your Money' ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Caroline's Club⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ caroline@carolines.club

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