We were delighted to host our 5th annual Middle East Wealth Management Forum in Dubai.
Thank you to all of our event partners: Swissquote, 1291 Group, Alpadis Group, Intellect Design Arena, Sun Life Financial, Asiaciti Trust, ERI Bancaire, RGN, PraxisIFM and Invest Samoa.
Middle East Wealth Management Forum 2020
Ritz-Carlton DIFC, United Arab Emirates

A community of leading organisations within Asian Wealth Management

Senior figures in Asian Wealth Management are speaking at this event

Oliver Muggli
1291 Group

Saif Al Keem
Abu Dhabi Islamic Bank

Ewald J. Scherrer
Alpadis Group

Vinod Krishnan
Arch Corporation

Laurence Black
Asiaciti Trust Group

Tomasz Bortnik
Citi

Ashok Sardana
Continental Financial Services

Ismael Hajjar
EY
Why you should attend Hubbis events

Experience our latest event for yourself
HUBBIS INVESTMENT FORUM - Hong Kong 2023
Ritz-Carlton DIFC, United Arab Emirates
We were delighted to hosti the Hubbis Investment Forum – Hong Kong on Wednesd...
read moreGet involved in Hubbis events

-
8.30am
Registration
-
8.55am
Welcome Address
-
9.00am
Panel Discussion
How is Wealth Management in UAE developing? Opportunities and Challenges?
- What's your best and worst possible scenario for this industry in the next three years?
- What’s your USP?
- Which clients are the focus? What segments are the focus?
- Long-term success in the UAE is based on what?
- What’s the evolution of AI, data and digital in banking?
- How is the legal and regulatory landscape developing?
- It’s been a tough few years – when will the market bounce back?
- What are the developing regional opportunities you can service from Dubai?
- Does the quality of talent fall short in comparison to Singapore, London and New York?
- How are you dealing with the hunt for talent?
- How can you transition clients to the next generation of bankers?
Chair
Speakers
Ayesha AbbasGM – Affluent, Head of Priority & Premium Banking, and Branch Network, UAE
Standard Chartered Bank
-
9.50am
Presentation - End of Service Benefit within ADGM/Abu Dhabi
- Why are we doing it
- How are we doing it
- The benefit to the employee
-
10.00am
Presentation - RM Office - 2020 Advantage
- Possibility to Increase RMs productivity by 20%
- Possibility to reduce operational cost by 20%
- Let your system take care of compliance - 3D Compliance
- Leveraging Digital - Enhanced Outreach and contextualised experience
- Actionable insights to direct the destiny of the business
-
10.15am
Panel Discussion
How is the Multi Family Office (MFO) proposition developing?
- Why start a MFO in the GCC?
- The vast majority of AUM remains with private banks and bankers – with investment decisions still driven by the client on an advisory basis. Will this change? What’s the value that a MFO brings? How do you compete?
- How will Private Banks and Independent Firms collaborate or compete in the future?
- What are some of the common challenges for the IAMs/MFOs today? IT, HR, Ops, Compliance?
- How are you improving your platform from an investment and operational perspective?
- What is your target segment of clients?
- How are you evolving your client service?
- Where will new clients come from? UAE, Bahrain, Abu Dhabi, Europe, Eastern Africa?
- Are the majority of MFOs firms truly independent? How should clients decide which firm is best to use?
- Where is the most robust and organised financial centre for UHNW wealth?
Chair
Speakers
-
11.00am
Refreshment & Networking
-
11.30am
Presentation - Food for thought: CRS / AEOI – Practical experiences
- CRS Common Reporting Standard – Developments - Participating vs Permanent Non-Reciprocal Jurisdiction
- AEOI Automatic Exchange of Information - Transparency & Tax Planning – Territorial vs WWI taxation
- AEOI and CRS practical experiences
-
11.45am
Presentation - From Success to Significance - How to excel professionally
- Learn the three things to excel, integrity, competence, compassion
- Discover three things you can do to enhance your skills
- One golden nugget you can apply for success
-
12.15pm
Panel Discussion
Evolution of the advisory landscape
- What developments are we seeing in Islamic Wealth and Asset Management?
- Delivering investment products and advice to clients – time to re-think everything?
- Quality of advice – what’s different in the GCC vs Europe and Asia?
- How are clients looking to diversity into –
- Managed Investments
- Non-correlated assets
- Private Assets
- Debt and Equity
- Income generating assets - What innovative investment solutions are UHNW clients looking for?
- What new structured product solutions are clients eager to engage?
- Is it likely that clients will be more interested in discretionary?
- How will we move to a fee for service and deliver advice?
- How do we justify that fee?
- What are the services we are charging and what do clients get?
Chair
Speakers
-
1.10pm
Lunch & Networking
-
2.00pm
Panel Discussion
The Opportunities for Family Offices, Multi-Family Offices and their Service Providers in the UAE
- How is the UAE competing in the Family Office and Multi-Family Office segment?
- How does the UAE compare to Singapore, Switzerland, London and the Channel Islands?
- Family’s from which countries are optimal targets for UAE FO/MFO’s – what is the current experience and are their new developing trends?
- With economic substance tests and CRS, are mid-shore financial centres such as Singapore and Switzerland at a competitive disadvantage with the UAE?
- For Families utilising the UAE as a FO/MFO location where are the optimal booking centres for liquid assets – are we observing changes to the traditional booking centres (London and Switzerland) in favour of other centres (Singapore or Hong Kong)?
- Are the leading private banks and asset management platforms in these booking centres sufficiently focused on the UAE and delivering appropriate levels of custody, product and transaction related services? What could be improved?
- What are the pro’s and cons’ over inhouse vs. outsourced wealth structuring services to FO/MFO’s in Dubai? Are GCC based families open to outsourced services or do they prefer to keep it all inhouse? What are the opportunities for outsourced providers and what is their competitive edge?
- What trends do you see in GCC families being prepared to pay fees for services?
- How is the UAE positioned competitively to attract FO/MFO family members to establish residency? What are the pros and cons and what are the competitive advantages of UAE over other jurisdictions?
Chair
Speakers
Ismael HajjarAssociate Partner, MENA Private Client Services, Family Enterprise, Family Office Advisory
EY
-
2.50pm
Presentation - Family and Family Office Governance
- What is family Governance?
- Why is Family Governance essential to ensuring wealth preservation and the transfer of wealth to future generations for family cohesion and stability, now and in the future?
- How Family Governance helps provide greater clarity on one’s succession, ownership, governance and strategy?
-
3.05pm
Presentation - Different Strokes for Different Folks…
Selecting the Right Fiduciary and Jurisdiction - Benefits and considerations
- What to look for when choosing a trustee
- Choice of jurisdiction
- Benefits of an independent trustee
-
3.20pm
Refreshment & Networking
-
3.40pm
Presentation - Value-added family office services beyond asset management
- A Family Office can add more value to its wealthy families than simply managing their assets and exploring promising investment opportunities.
- Taking a more holistic view, additional services can create a significant benefit for the wealthy families and can help to strengthen the client relationship.
- Succession planning with a modern and sophisticated wealth planning tool and tailor-made financing solutions for illiquid assets such as a private jet, art or a single stock position are good examples for these value-added services.
-
3.55pm
Presentation - The HNW Insurance Market has Changed – Here’s how you win
- What’s happening in the HNW Market?
- How HNW Brokers, Bankers, EAM can adapt to win in the new HNW Insurance Market?
- What are the new Products and Trends in HNW Market?
- Why should Bankers and Financial Advisers be interested in HNW Insurance?
-
4.10pm
Panel Discussion
Estate and Succession Planning Solutions for GCC based clients – what are the key considerations?
- Which jurisdictions do GCC based clients prefer to utilise for their wealth planning / trust structures? Is there any evidence of movement from traditional centres to new locations?
- Is the availability of common-law trust structuring through the DIFC seeing traction?
- For older structures, with the development of economic substance / CRS etc. is there sufficient focus on reviewing and remediating these structures? What are the opportunities here?
- For non-Muslims the DIFC Wills process is relatively expensive, in particular for Mass Affluent and lower segment High Net Worth clients – what is the process and cost implications and what are the options and pitfalls for alternatives to the DIFC Will for onshore assets?
- For some GCC based clients Common-Law Trusts may not be a suitable solution for their wealth transfers needs – what alternative structures are being utilised by which client segments?
- What are the trends in the utilisation of life insurance by GCC based clients? Is there a move from single payment to multi-pay UL? What about indexed UL over traditional UL? What about PPLI and VUL?
Chair
Speakers
-
5.00pm
Forum Ends
Middle East Wealth Management Forum 2020
Ritz-Carlton DIFC,United Arab Emirates


Oliver Muggli
1291 Group

Saif Al Keem
Abu Dhabi Islamic Bank

Ewald J. Scherrer
Alpadis Group

Vinod Krishnan
Arch Corporation

Laurence Black
Asiaciti Trust Group

Tomasz Bortnik
Citi

Ashok Sardana
Continental Financial Services

Ismael Hajjar
EY

Nirav Dinesh Kumar Shah
FAME Advisory DMCC

Madhavan Sivashankar
Gulf International Finance

Asad Khairi
HSBC Bank

Paul A Cox
HSBC Bank

Anand Rai
Intellect Design Arena

Ahmad Chahidi
Julius Baer

Malik S. Sarwar
K2 Leaders

Karim Ghandour
Legacy Line Family Office

Prashant Tandon
Lighthouse Canton

Deepak Malhotra
Mayfair Private

Fadi Barakat
Namara Wealth Advisors

Martyn Crespel
PraxisIFM

Ivan Pelle
RGN

Muneer Khan
Simmons & Simmons

Ayesha Abbas
Standard Chartered Bank

Sunita Singh Dalal
Stephenson Harwood

David Varley
Sun Life
Middle East Wealth Management Forum 2020
Ritz-Carlton DIFC,United Arab Emirates

gold
silver
bronze
Middle East Wealth Management Forum 2020
Ritz-Carlton DIFC,United Arab Emirates

We were delighted to host our annual Middle East Wealth Management Forum in Dubai. Over 250 CEOs, COOs, CIOs, senior management, asset managers, and advisers attended – from a mix of Private Banks, Retail banks, IFAs, Family Offices, Insurance Companies, Asset Management Firms and other Independent Wealth Management Firms.
Thank you to all of our event partners: Swissquote, 1291 Group, Alpadis Group, Intellect Design Arena, Sun Life Financial, Asiaciti Trust, ERI Bancaire, RGN, PraxisIFM and Invest Samoa.
Below for your interest and reference are links to various content we captured from the day. Please click on the orange headlines – and do send any comments or feedback to [email protected].
Content Highlights
Video Highlights
Video Highlights Summary PDF
Exclusive Insights
Testimonials
I Love Wealth Management
Photos
Event summary
Panel discussions
Presentations & Workshops
Videos
Post Event Supplement
Post-Event Report
You might also like to view the full Post Event Report – which is a consolidated summary, including photos of speakers & delegates, the attendee profiles & some delegate feedback, polling results, and more.
Event Summary
Middle East Weath Management Forum Summary
We were delighted to host our annual Middle East Wealth Management Forum in Dubai. Over 250 CEOs, COOs, CIOs, senior management, asset managers, and advisers attended – from a mix of Private Banks, Retail banks, IFAs, Family Offices, Insurance Companies, Asset Management Firms and other Independent Wealth Management Firms.
Video Highlights - Videos
Full Video Highlights - What are the opportunities and challenges for the year ahead?
Video Highlights Summary PDF
I Love Wealth Management
Testimonials
We asked leading industry experts - what are the opportunities and challenges for the year ahead? Click the links below to view the individual highlight video, or the speaker's name to view their bio.
Ayesha Abbas, VCGM, Head of Priority and Premium Segments, Standard Chartered Bank
Watch the video HERE
Prashant Tandon, CEO, Managing Director, Lighthouse Canton
Watch the video HERE
Fadi Barakat, Chief Investment Officer
Watch the video HERE
Madhavan Sivashankar, Founder, CEO & Member of The Board of Directors, Gulf International Finance
Watch the video HERE
Tomasz Bortnik, Head of Wealth Management Product – UAE & Bahrain, Citi
Watch the video HERE
Asad Khairi, Regional Head Investment & Insurance, Middle East, North Africa & Turkey, HSBC Bank
Watch the video HERE
Laurence Black, Regional Director, Client Solutions, EMEA, Asiaciti Trust
Watch the video HERE
Ismael Hajjar, Director, MENA Private Client Services, Family Enterprise, Family Office Advisory, EY
Watch the video HERE
Nirav Dinesh Kumar Shah, Founder and Managing Director, FAME Advisory
Watch the video HERE
Vinod Krishnan, Managing Director, Arch Corporation
Watch the video HERE
Sunita Singh Dalal, Of Counsel, Stephenson Harwood
Watch the video HERE
Oliver Muggli, Chief Executive Officer 1291 Private Office, 1291 Group
Watch the video HERE
Deepak Malhotra, Chief Executive Officer, Mayfair Private
Watch the video HERE
Anand Rai, Presales Lead, Intellect Design Arena
Watch the video HERE
Martyn Crespel, Director, PraxisIFM
Watch the video HERE
Exclusive Insights - Exclusive Insights
We asked leading industry experts for their exclusive and incisive insights. Click on the questions below the speaker's name to view their insights, or click their names to view their bio:
Ayesha Abbas, VCGM, Head of Priority and Premium Segments, Standard Chartered Bank
How is the legal and regulatory landscape developing?
Does the quality of talent fall short in comparison to Singapore, London and New York?
How can you transition clients to the next generation of bankers?
Prashant Tandon, CEO, Managing Director, Lighthouse Canton
What are some of the common challenges for the IAMs/MFOs today?
Are the majority of MFOs firms truly independent? How should clients decide which firm is best to use?
Fadi Barakat, Chief Investment Officer
How will Private Banks and Independent Firms collaborate or compete in the future?
Where is the most robust and organised financial centre for UHNW wealth?
Madhavan Sivashankar, Founder, CEO & Member of The Board of Directors, Gulf International Finance
Why start a Multi Family Office in the GCC?
The vast majority of AUM remains with private banks and bankers – with investment decisions still driven by the client on an advisory basis. Will this change? What’s the value that an MFO brings? How do you compete?
Tomasz Bortnik, Head of Wealth Management Product – UAE & Bahrain, Citi
Delivering investment products and advice to clients – time to re-think everything?
What innovative investment solutions are HNW clients looking for?
Asad Khairi, Regional Head Investment & Insurance, Middle East, North Africa & Turkey, HSBC Bank
How are clients looking to diversity in 2020?
What innovative investment solutions are HNW clients looking for?
Laurence Black, Regional Director, Client Solutions, EMEA, Asiaciti Trust
How does the UAE compare to Singapore, Switzerland, London and the Channel Islands?
With economic substance tests and CRS, are mid-shore financial centres such as Singapore and Switzerland at a competitive disadvantage with the UAE?
Are the leading private banks and asset management platforms in these booking centres sufficiently focused on the UAE and delivering appropriate levels of custody, product and transaction related services? What could be improved?
Ismael Hajjar, Director, MENA Private Client Services, Family Enterprise, Family Office Advisory, EY
How should a Single or Multi Family Office be set up properly?
Are GCC based families open to outsourced services or do they prefer to keep it all inhouse?
Nirav Dinesh Kumar Shah, Founder and Managing Director, FAME Advisory
With economic substance tests and CRS, are mid-shore financial centres such as Singapore and Switzerland at a competitive disadvantage with the UAE?
For Families utilising the UAE as a FO/MFO location where are the optimal booking centres for liquid assets – are we observing changes to the traditional booking centres (London and Switzerland) in favour of other centres (Singapore or Hong Kong)?
Vinod Krishnan, Managing Director, Arch Corporation
What trends do you see in GCC families being prepared to pay fees for services and advice?
How is the UAE positioned competitively to attract FO/MFO family members to establish residency? What are the pros and cons and what are the competitive advantages of UAE over other jurisdictions?
Sunita Singh Dalal, Of Counsel, Stephenson Harwood
Which jurisdictions do GCC based clients prefer to utilise for their wealth planning / trust structures? Is there any evidence of movement from traditional centres to new locations?
For some GCC based clients Common-Law Trusts may not be a suitable solution for their wealth transfers needs – what alternative structures are being utilised by which client segments?
Oliver Muggli, Chief Executive Officer 1291 Private Office, 1291 Group
How can a Family Office add more value to its wealthy clients?
How can you get succession planning right?
Deepak Malhotra, Chief Executive Officer, Mayfair Private
Which jurisdictions do GCC based clients prefer to utilise for their wealth planning / trust structures? Is there any evidence of movement from traditional centres to new locations?
For older structures, with the development of economic substance / CRS etc. is there sufficient focus on reviewing and remediating these structures? What are the opportunities here?
Anand Rai, Presales Lead, Intellect Design Arena
How can wealth management firms reduce operational costs?
How can Relationship Managers increase productivity?
Martyn Crespel, Director, PraxisIFM
End of Service Benefit within ADGM/Abu Dhabi: What are the main considerations?
Panel Discussions - Panels
We held 5 interactive panel discussions throughout the day – which involved senior industry practitioners who we invited to participate and share their thoughts. We have also incorporated into the summaries below the briefing notes which speakers sent to us in advance of the event. Plus, we have included the results of audience polling as well as questions we received from delegates. Click on each headline to view the PDFs.
The UAE Wealth Management Market: A Diamond in the Raw for Providers and Clients Both
The state of the wealth management industry in the GCC was debated by an erudite panel of experts during the first panel discussion of experts at the Hubbis Middle East Wealth Management Forum. These professionals concluded that although dramatic strides forward had been made by both the authorities in the region and the private sector, there is still much work to be done before the industry can realise anywhere near its full potential.
Panel Members
Muneer Khan, Partner, Financial Markets, Simmons & Simmons
Ashok Sardana, Managing Director, Continental Group
Ayesha Abbas, VCGM, Head of Priority and Premium Segments, Standard Chartered Bank
Paul Cox, Regional Head of Wealth Development, MENA and Turkey, HSBC Bank
Saif Al Keem, Head of Priority Banking, Wealth Management, and Liabilities, Abu Dhabi Islamic Bank
The Middle East and the Multi-Family Office (MFO) – New Horizons for the Region’s HNWIs
The expansion of the family office concept across the globe has not been missed on wealth management advisers and wealthy families in the Middle East. The independent asset management model has been gaining greater traction in recent years as the region aims to develop its financial centres, especially in Dubai, Abu Dhabi and Bahrain. And the Multi-Family Office (MFO) is a natural extension of that phenomenon. Hubbis invited a panel of experts to offer their views at the Middle East Wealth Management Forum.
Panel Members
Madhavan Sivashankar, CEO & Founder, Gulf International Finance
Prashant Tandon, CEO, Managing Director, Lighthouse Canton
Fadi Barakat, Chief Investment Officer
The Evolution of the Advisory Landscape for Wealth Management in the GCC
For wealth management to thrive in the Middle East, the quality of advice on investments, wealth structuring, and estate planning must improve. A panel of experts at the Hubbis Middle East Wealth Management Forum gathered to debate the state of the industry, and just how far the protagonists have come in their efforts to professionalise and expand their industry.
Panel Members
Tomasz Bortnik, Head of Wealth Management Product – UAE & Bahrain, Citi
Asad Khairi, Regional Head Investment & Insurance, Middle East, North Africa & Turkey, HSBC Bank
Malik S. Sarwar, CEO, K2 Leaders
Opportunities Aplenty in the Growing Market for Family Offices in the UAE
Is the UAE yet offering a competitive service in the single-family office and the multi-family office segments, both of which are seeing a rapid expansion globally and especially in recent years in Asia? Can the GCC region compete with Singapore, Switzerland, London and the Channel Islands? And is the Middle East client base interested in creating SFOs or using the services of MFOs in their own region, or do they prefer to keep these at some distance? A panel of experts deliberated these matters at the Hubbis Middle East Wealth Management Forum.
Panel Members
Nirav Dinesh Kumar Shah, Founder and Managing Director, FAME Advisory
Ewald Scherrer, Managing Director, Alpadis Switzerland, Alpadis Group
Laurence Black, Regional Director, Client Solutions, EMEA, Asiaciti Trust
Ismael Hajjar, Director, MENA Private Client Services, Family Enterprise, Family Office Advisory, EY
Vinod Krishnan, Managing Director, Arch Corporation
Estate and Succession Planning Solutions for GCC’s Wealth Market Clients
Which jurisdictions do GCC based clients prefer to utilise for their wealth planning and trust structures? Is the recent availability of common-law trust structuring through the DIFC resulting in a boost for business there? Are wealthy clients remediating older structures, with the arrival of the CRS, economic substance and soon Mandatory Disclosure Rules? How does life insurance fit into wealth and succession planning in the region these days? A panel of experts debated these matters at the Hubbis Middle East Wealth Management Forum in January 2020.
Panel Members
Sunita Singh Dalal, Of Counsel, Stephenson Harwood
Ahmad Chahidi, Executive Director - Wealth Planning, Advisory International, Bank Julius Baer
Karim Ghandour, Founder & Chief Executive Officer, Legacy Line
Oliver Muggli, Chief Executive Officer 1291 Private Office, 1291 Group
David Varley, Chief High Net Worth Officer, Hong Kong, Sun Life Financial
Deepak Malhotra, Chief Executive Officer, Mayfair Private
Presentations - Presentations
Below are summaries of the Presentations and Wealth TALKS delivered at the event. These were 10-minute slots hosted either by senior industry practitioners who we invited to speak (Wealth TALKS), or by some of our event partners (Presentations). Also listed with each summary are links to the presentation slides (where these are made available by speakers). Click on each headline to view the web versions of these – from which you can also access the PDFs.
Value-added Family Office Services beyond Asset Management: A World Awaits
Oliver Muggli, Managing Partner of 1291 Private Office, which is part of the Swiss boutique advisory firm 1291 Group, addressed delegates at the Hubbis Middle East Wealth Management Forum to highlight how a Family Office can add far more value to wealthy families than simply managing their assets and helping them invest. He advised delegates to help wealthy Middle Eastern families take a more holistic view, and consider the advantages such as succession planning, sophisticated wealth planning, and tailor-made financing solutions for illiquid assets ranging from blocks of listed stock to private jets and even historic Italian castles.
Selecting the Right Fiduciary and Jurisdiction – Key Benefits and Considerations
Laurence Black, Regional Director, Client Solutions, EMEA at Asiaciti Trust, has more than 25 years of experience in wealth structuring for HNW clients in the GCC region. He told the audience at the Hubbis Middle East Wealth Management Forum how important it is to choose trustees and jurisdictions wisely, advising them to opt for an independent trustee based in a reputable, accessible jurisdiction.
PraxisIFM Trust on the Value of the Employee Benefit Trust in Abu Dhabi and Wider UAE
Martyn Crespel, Director of PraxisIFM Trust, gave a noteworthy presentation at the Hubbis Middle East Wealth Management Forum to highlight his firm’s ring-fenced employee benefit trust solution, which aims to resolve some of the practical shortcomings in the country’s EoSB programme, which stands for End of Service Benefit. He explained that this is a great step in formalising and protecting employee pension and other benefits, and the PraxisIFM solution is also helping to enhance the reputation and therefore future of the ADGM financial centre itself.
From Success to Significance - How to Excel Professionally in Wealth Management
Malik S. Sarwar, CEO of wealth management firm K2 Leaders, never disappoints the audiences at Hubbis events, and again this year at the Middle East Wealth Management Forum he lived up to his billing and gave a lively and engaging presentation full of invaluable insights into how wealth management professionals in the region can boost their proposition, and thereby become the trusted advisors for their high-net-worth and ultra-wealthy clients. He explained his three tenets for excellence - integrity, competence, and compassion, and he advised delegates that success is only complete with significance.
The State of Play – RGN Offers Updates on the Rollout of CRS & AEOI Worldwide
Ivan Pelle, an expert in international taxation and Executive Director and one of the Founders at Recontam Global Network (RGN) is on a mission to make its clients and partners aware of the rollout of CRS and AEOI worldwide, and how this might affect tax planning and investment strategies. He addressed the audience at the Hubbis Middle East Wealth Management Forum in Dubai to update them on practicalities around the Common Reporting Standard, as pertaining to participating and permanent non-reciprocal jurisdictions. Supported throughout by an excellent slide presentation, he also talked about the practical implications of the Automatic Exchange of Information. He explained the difference between territorial and worldwide income taxation. And lastly, he pointed to some practical examples of the rollout of CRS and AEOI as pertaining to the United Arab Emirates.
Family Governance and the role of the Family Office in the Middle East
Ewald J. Scherrer, Managing Director of Alpadis Switzerland, is a firm believer that the foundations of a family structure and a family office must be embedded in good governance. He addressed delegates at the Hubbis Middle East Wealth Management Forum to articulate how family governance is so essential for family cohesion and stability, across the generations. And to explain why good governance in the family office will help ensure well-managed wealth preservation and estate succession.

Middle East Wealth Management Forum 2020
Ritz-Carlton DIFC,United Arab Emirates