Hi ,

The offshore tax haven landscape continues to change rapidly, global financial markets are hyper-volatile and fear of black swans has people on edge. It's now, more than ever, important to know the truth about asset protection. It doesn't need to be complicated, it needs to work.

We are helping people, from all countries, understand the best practice. Allow us to enlighten you, about the regulator asset protection structure.

Aaron A Day

Regulator Asset Protection Structure

The 402(b) Foreign Retirement Plan can also be used for tax deferral and, among other benefits, as a foreign asset protection and privacy structure. Our experience explaining the attributes of this IRS recognized Internal Revenue Code (402(b) Foreign Retirement Plan), has taught us that there is a vast gap, or lack, of knowledge when requesting legal opinion of this financial planning structure.

To help expose the fallacy of asset protection, in structures commonly sold by today's lawyers and offshore advisors, we have formulated a test to determine the level of knowledge a particular tax consultant or law firm.

The ''Acid Test'' is to look at the points listed in the following comparison chart. Then ask them in regards to Trusts and Insurance if our analysis is correct? If he passes that test with a score of 100% then he has the legal resource to understand our structure.

The fallacy of asset protection

The winner is an IRC 402(b) Foreign Retirement Plan which requires reporting of only Foreign Bank Account Report to the Treasury(actual value) and on IRS Form 8938 its value is reported as''Zero Value'' because it is IRS recognized tax deferred.

The Alternatives of Global Retirement Planning with a Regulator Asset Protection Structure

• The Alternative to Irrevocable Trusts. In fact, this Alternative has NO Attorney Fees
• The Alternative to LLC, IBC and Foundations and Again No Attorney Fees
• The Alternatives to Annuities - No Insurance Company fees!
• The Alternatives to Litigation - Never in front of a Judge or Judgement
• The Alternative to 184 page Tax Filings - You can do this filing in less than 10 minutes.
• The Alternative to a Tax Consultant - No Need.
• The Alternative to the S.E.C. . Why not!
• The Alternative to Forced Heirship - You are the Controller!

The Basics of International Retirement Planning

First, we determine which is the best legal framework in the whole world and we do not assume that because you have a company registered in one jurisdiction that it would be that country's law applying to the retirement fund and why should we, because it is not logical to have the legal framework of your retirement plan coinciding with the place where the company is registered, it sounds logical but actually in the future, modern world it is not. Because to chose the legal framework on the basis of your company registration would be constraining you and automatically the law on pensions and retirement plans is radically different than the law on corporations and trading, of course it is different and therefore we do not make this assumption when recommending a particular country plan.

Second, it is also imperative to look at where is the best place for your custodian. U.S. Centric people would make an assumption automatically, which explains how illogical some peoples thinking is, that if you have a foreign retirement plan in USD that naturally the custodian will be in New York. The legal framework should be one thing, the custodian another. There is nothing wrong with having the custodian in New York but the point is that one needs to think about where one wants to have that custodian in the first place. And can that custodian do the best job? While you can have a 402(b) foreign plan with a foreign custodian, you can also have a custodian in the USA.

The Third consideration is actually the whole point behind a foreign retirement fund which is to allow you to accumulate your deferred income clear of taxation because it turbo-charges your funds future value. Tax utilization for gain is the whole point and purpose of all retirement plans in perpetuity. This is a win/win because you pay more total tax in the future and your net amount gain is higher than if you had paid tax annually. This structure is designed to last and therefore is the future of retirement law- where is best, who has the money and has turbo-charge its growth by means of tax deferral.

An ''International Retirement Plan'' may help solve the challenges of these globally mobile employees. Of course, due to the absence of fiscal incentives and sometimes even the ability to deduct contributions, these plans may be more expensive than local supplemental plans. Therefore it is important to clearly define the target group and to lay out a consistent retirement strategy for your mobile employees.

How we can help you protect your assets

Kindly allow me to explain some background and our procedure for managing the information flow in this respect.

In light of the above our typical process for managing the flow of information is as follows:

1. Distribution of our brief and other related information covering the broader global context and where our product fits in.
2. An introductory dialogue with an Adviser in a basic proposition management context to determine if, how, and when the product may fit in with your individual criteria. Every person is unique and this dialog may take anywhere from a few days to a few weeks.
3. Once a practical case for the product (in other words, the "proof of concept") has been established, the formal dialogue between the counsel on the product side and the client will be initiated and will include all due diligence and references easily verified by Government Regulatory Agencies and Recognized by the Internal Revenue Service, Foreign Account Tax Compliance Act, Tax Information Exchange Agreement, and Double Tax Treaty.

If you are interested to learn more, contact us and we'll schedule you for a free private consultation.

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On an island where Giorgio Armani and Eric Clapton are long-time residents along with numerous other famous international celebrities, the offering of Papaya Hotel & Spa ownership is a limited opportunity that is rarely seen and can never be replicated.

Investment with developers and operators with a demonstrable history of providing operating return and capital appreciation ‡ownership in land and property on the most sought after site in the Caribbean ‡ownership in a top hotel in the eastern Caribbean's most accessible island by air ‡no operating costs in the first five years of ownership ‡application for citizenship can begin immediately upon execution of reservation agreement ‡Capital appreciation and income generation opportunity in one of the most popular destinations for wealthy Europeans and north Americans. ‡Hotel villa owners and their families will be able to use their property and enjoy preferential treatment at the hotel facilities.

Request an Introduction to, Papaya Hotel and Spa.

For Professional Investors Only

Key Features

Investment linked to the benchmark indices of Europe, Sweden, Japan and US, providing the opportunity for semi-annual returns of 3.5% (7.0% per annum), and 9 opportunities for early redemption over a 5 year investment term

Investment Description

• A 5 year investment linked to the performance of the benchmark indices of Europe, Sweden Japan and US
• The Notes will 'Autocall' triggering an Automatic Redemption if on any semi-annual Observation Date all the Underlying Assets are greater than or equal to the relevant Trigger Level, which is 100% in years 1 & 2 and reduces to 95% in years 3, 4 & 5.
• In the case of Automatic Redemption the Notes return 100% of capital invested and the investor shall receive 3.5% for each semi-annual period the Notes have been active i.e. if the Notes are automatically redeemed at the end of year 3, the investor will receive a Coupon Amount of 3.5% x 6 plus 100% of initial capital
• Capital is at risk with this product: A fall of 40% or more in Performance is required in any Underlying Asset before capital is at risk. The Performance is measured by comparing the Initial Valuation Level to the Final Valuation Level on the Final Valuation Date. If any Performance measures a fall of 40% or more investors will receive the Performance of the Worst Performing Asset at maturity

NOTE: closing Dec. 11, 2013

Issuer: Nomura Bank International plc (NBI), rated as A- by S&P

• The Notes are issued in EUR, have an investment term of 5 years, and are intended to be held for the entire period
• The Notes provide investors with the potential for returns of 3.5% for each semi-annual period over the life of the investment, combined with 9 opportunities for early redemption
• The Developed Market Defensive Autocall 1 ("the Notes") are linked to the benchmark indices of Europe, Sweden, Japan and US
• If the price of each Underlying is greater than or equal to the relevant Trigger Level at the close of any Observation Date, then the notes will be automatically redeemed on the first such Observation Date, returning 100% of capital invested plus the accrued Coupon Amounts

Underlying Assets:

• Eurostoxx 50 Index (SX5E Index)
• OMX Stockholm 30 Index (OMX Index)
• Nikkei 225 Index (NKY Index)
• S&P 500 Index (SPX Index)

Capital Risk

• If any Underlying has fallen by more than 40%, i.e. breaches the Capital Risk Barrier, then investors will receive the performance of the worst performing underlying at the Maturity Date
• If no Underlying has fallen by more than 40% then 100% capital is returned at the Maturity Date
• A fall of 40% or more in the performance of at least one Underlying is required before capital is at risk. Performance is measured by comparing the Final Valuation Level against the Initial Valuation Level

The Notes are not capital protected.

Risk Disclaimer: Please bear in mind that investors are exposed to the credit risk of the Deposit taker. Any secondary market provided by Nomura International plc is subject to change and may be stopped without notice and investors may therefore be unable to redeem the Deposit until its maturity. If the Deposit is redeemed early it may be redeemed at a level less than the amount originally invested.

The NOMURA Developed Market Defensive brochure, available upon request.

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Founded by internationally renowned investor and best-selling author Peter Schiff, Euro Pacific Bank offers clients an unparalleled offshore banking experience. Superior customer service and innovative non-lending, hard-money approach differentiates EPB in the offshore banking world.

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