1. F I NA NC I A L PL A N N I NG S E RV IC E S
F OR AV I AT ION PROF E S S IONA L S

2. Managing your wealth and navigating your way
through financial markets can be challenging.
We will keep you on the right path.

3. Partner Practice of St. James’s Place Wealth Management
3
We specialise in the provision of personally tailored, face-to-face financial advice
strengthened by our depth of experience and access to the distinctive approach to
investment management offered by St. James’s Place.
In my role as Wealth Manager at HenmanWealth, my goal is to unburden pilots from
the complexities of managing their personal finances, in turn allowing them greater
freedom to focus on their career, family and personal interests. I do this by providing
my clients with quality financial advice delivered transparently and personally.
Some of the key aspects of our business and the services we provide - as well as what
you can expect if you become our client - are outlined over the next few pages.
If you have anything you would like to ask, or if you simply would like to know more
about us, I would be pleased to hear from you.
Thank you.
Philip Childs
Wealth Manager, HenmanWealth
Specialist in supporting those in the aviation industry

5. 5
UNDERSTANDING THE NEEDS OF
AVIATION PROFESSIONALS
Working in China provides an excellent opportunity to combine an exciting chapter
of your aviation career with the earning potential to become financially secure in
later life.
The lack of company pensions and the absence of financial protection for many pilots
employed by Chinese carriers can however be concerning.
At Henman Wealth, we understand the financial challenges faced by foreign
pilots working in China and through one-on-one consultation we gain a thorough
understanding of your present circumstances and future aspirations and then together
create a robust strategy for you to achieve your financial goals.
HOW WE CAN HELP YOU
Investment
The right investment planning can offer real opportunities to grow your wealth
and protect it against the damaging effects of inflation. Through St. James’s Place’s
distinctive approach to investment management and extensive experience in managing
globally-spreadassetsweguideourclientsthroughtheeverchangingeconomicclimate.
Retirement
Retirement planning can be complex, so regardless of the life stage you have arrived
at, it’s important to receive expert and professional advice.
For many aviation professionals, your retirement will mirror the length of your
working life. Saving into personal pensions are just one of the options for a prosperous
retirement;we can also advise you on how to take advantage of the wider opportunities
available to you, such as Income Drawdown and Phased Drawdown.

6. 6
Protection
Protecting the wealth and financial future of our clients and their families is a key
element of our service.We are specialists in providing solutions to meet the exceptional
insurance needs of aviation professionals, such as unusually high levels of life cover.
Tax Planning
We can help to arrange your investments and income as tax efficiently as possible,
whether you are investing for your own benefit, for your family, or for other
beneficiaries.
Additional services
Writing aWill is an essential component of effective planning and vital to ensure your
assets are passed correctly. This service is separate and distinct to those offered by
St. James’s Place.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The value of an investment with St. James’s Place will be directly linked to the
performance of the funds selected and may fall as well as rise.You may get back less
than the amount invested.
The levels and bases of taxation and reliefs from taxation can change at any time and
are dependent on individual circumstances.
SPECIALIST
INSURANCE
EMPLOYEE
BENEFITS
LONG-TERM
CARE
LIFE
ASSURANCE
FINANCIAL
PROTECTION
AGAINST RISK
MANAGING
CASH &
BORROWINGS
BUILDING &
PRESERVING
CAPITAL
INVESTMENTS
PENSIONS
& PENSION
ANNUITIES
PORTFOLIO
MANAGEMENT
TRUST &
ESTATE
PLANNING
CASH
SAVINGS
MORTGAGES
COMMERCIAL
LENDING
HEALTH
INSURANCE

8. 8
ABOUT ST. JAMES’S PLACE
St. James’s Place manages over £65 billion of client funds under management and
through the Partnership, provide highly personalised face-to-face wealth management
services to individuals, families, trustees and businesses, designed to suit individual
long-term requirements.
BUILDING LONG-TERM RELATIONSHIPS
We place clients at the very heart of everything we do and recognise that your
circumstances and objectives are unique.Our advice and service are personally tailored
to you, and are underpinned by St. James’s Place’s distinctive approach to investment
management in which the Investment Committee select from some of the best fund
managers from around the world. Clients often continue their working relationship
with us over many years,appreciating a source of trusted advice as their financial needs
and priorities evolve over time.
YOUR PERSONAL GUARANTEE
To provide you with added peace of mind and reassurance, St. James’s Place also
guarantees the suitability of our advice when recommending any of the wealth
management products and services available from companies in the group, more
details of which are set out on the group’s website at www.sjp.co.uk/products.
AWARD-WINNING WEALTH MANAGEMENT

10. THE ST. JAMES’S PLACE DISTINCTIVE APPROACH
TO INVESTMENT MANAGEMENT
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OUR APPROACH
At St. James’s Place we recognise that no single investment house has a monopoly on
investment expertise, and therefore we do not employ in-house investment managers.
Instead our Investment Committee carefully selects a number of external managers of
outstanding ability to manage our range of funds. This gives us:
• the freedom to select first-class managers from the global investment
market to manage our funds on behalf of our clients
• the ability to change any of these managers at short notice if we have lost
confidence in them, without any charges, or tax, or inconvenience to
our clients
• the opportunity to offer our clients real investment diversification by
spreading their money across funds managed by different managers with
different styles.
We believe the process we follow provides you, our clients, with the best chance
to achieve superior returns over the medium to long term, using the best and most
appropriate solutions available.
The value of an investment with St. James’s Place will be directly linked to the
performance of the funds selected and may fall as well as rise.You may get back less
than the amount invested.
You can read more about this at www.sjp.asia/our-investment-approach

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ARRANGE A MEETING
Please feel free to contact me should you have any questions or to arrange a no-obligation
meeting which can be scheduled around your flight roster or other commitments.
Philip Childs
Wealth Manager, HenmanWealth
Specialist in supporting those in the aviation industry
Tel: +86 21 6045 2688
Mob: 156 1874 0538
Email: philip.childs@sjpp.asia
Website: www.sjpp.asia/henmanwealth

12. St. James’s Place Wealth Management, 20/F,Tower 1, JingAn Kerry Centre
1515 Nanjing RoadWest, Shanghai, China 200040
Tel: +86 21 6045 2688 Website: www.sjp.asia
The‘St. James’s Place Partnership’ and the titles‘Partner’ and‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.
Members of the St. James’s Place Partnership in Shanghai represent St. James’s Place (Shanghai) Limited, which is part of the St. James’s Place
Wealth Management Group and is aWholly Foreign Owned Enterprise (WFOE).WFOE registration No. 31000040060051.
St. James’s Place International plc is authorised and regulated by the Central Bank of Ireland.
St. James’s Place International plc Registered Office: Fleming Court, Flemings Place, Dublin 4, Ireland.
Registered in Ireland Number 185345.
Please note that due to local legislation we are unable to offer our financial planning services to nationals of the People’s Republic of China.
SJPA9108-VR1 (09/16) SH