Richard Hollowood and Jim Mann from Close Brothers join me today to speak more in-depth about where to put your money in both the short and long term. We chat about off shore and the pros and cons, Pensions, the difference between Investment Adviser, Wealth Manager and a Relationship Manager. Jim joined Close Brothers in September 2021 to manage a range of global portfolios for offshore institutional and private clients and is based in Guernsey. Jim trained as an equity analyst and worked for Merrill Lynch in London and Boston, USA. He has had extensive experience of running institutional global equity portfolios since 2004. Jim has also worked within a UHNW Family Office, and most recently at BNP Paribas Investment Management. Jim graduated from the University of Exeter with a BSc (Hons) in Mathematical Statistics and Operational Research. Richard Hollowood is a Managing Director based in Guernsey, having joined the organisation in 2006. Prior to joining Close Brothers Asset Management, Richard was a Private Client Investment Manager at Singer and Friedlander for three years and gained over six years of institutional investment experience managing US and Global equities with Mercury Asset Management and AXA Investment Managers.