NTL Trust Hosts an Exclusive Dubai Gathering: Everything you Need to Know about Global Citizenship 

NTL Trust Hosts an Exclusive Dubai Gathering: Everything you Need to Know about Global Citizenship 

Where the glamour of the Middle East meets the energy of global trade, Dubai stands as one of the world’s most influential crossroads. A city of innovation, wealth, and timeless luxury, it is the meeting point between East and West and this September, it becomes the stage for an exceptional private event hosted by NTL Trust, a leader in elite citizenship and residency solutions for over 30 years. 

The Dubai Event: A Private Evening of Insight 

On 6th of September 2025, guests will gather for an exclusive evening of world-class networking, fine hospitality, and in-depth discussions on securing a true Plan B through Citizenship and Residency by Investment. In a world brimming with change, new opportunities are constantly emerging. Start the new season with the insights you need to craft your most glamorous, globally connected life and elevate it to its fullest potential. 

Join us in person for private, exclusive strategies usually reserved for a select circle of globe-trotters, industry leaders, and discerning investors who understand the value of being prepared, positioned, and ready to act when the right doors open. 

Dubai’s cosmopolitan character makes it the perfect setting to explore these possibilities. From entrepreneurs seeking mobility to families planning their legacy, our event offers the rare chance to meet licensed NTL Trust advisors face-to-face, ask direct questions, and receive tailored guidance in a discreet, personal setting. 

Event Details 
  Date: 6 September 2025 
  Time: 6:00 PM – 10:00 PM 
  Venue: Pakistan Association Dubai 

Attendance is strictly by reservation and spaces are limited. 
  +971 55 122 3348 | Email RSVP

NTL Trust  
Building Borderless Futures for Over 30 Years 
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Australian Ambassador to Monaco Attends The Niwaki Australian Association Networking Cocktail

Australian Ambassador to Monaco Attends The Niwaki Australian Association Networking Cocktail

On Wednesday 17th September and in the presence of H.E. Lynette Wood, Australian Ambassador to France and Monaco, the Australian Association of Monaco in partnership with Club Vivanova, hosts a networking cocktail and dinner.

This recently created association brings together Australians and those interested in Australia for vibrant social events, cultural exchange and professional development, uniting a growing expat community with shared roots and fresh opportunities.

Link to event information

AUSTRALIAN ASSOCIATION OF MONACO NETWORKING & DINNER
Wednesday 17th September 2025 . 6pm
NOBU Fairmont Monte Carlo . Private Bar

In the presence of H.E. Lynette Wood, Australian Ambassador to France and Monaco
Premium Australian Wines
NOBU Bites

€75 per person
Bites and Open Wine Bar
(Omakase Dinner Option €175)

BOOK ONLINE

NOBU Bites
Edamame
Shishito Peppers
Tacos Tuna Dry Miso
Crispy Pork Belly Anti-Cucho Sauce

Open Australian Wine Bar
Woodlands Selection 2024 Chardonnay
Blind Corner 2021 Orange
Blind Corner 2021 Rouge

Hailed as the "sexiest restaurant in the world", NOBU Fairmont Monte Carlo hosts the Australian Association of Monaco in partnership with Club Vivanova. This recently created association brings together Australians and those interested in Australia for vibrant social events, cultural exchange and professional development, uniting a growing expat community with shared roots and fresh opportunities.

Join us for a dynamic event offering a fresh Chardonnay and natural organic orange and red wines served from 6pm to 8pm, married with the Japanese Fusion cuisine of Nobuyuki "Nobu" Matsuhisa.

Villa Nanne - Your Private Caribbean Haven for Winter Sun, Christmas and New Year

Villa Nanne - Your Private Caribbean Haven for Winter Sun, Christmas and New Year

When the Riviera takes on its soft winter light and the streets of Monaco glitter with festive décor, the Caribbean beckons with a different kind of sparkle. For those seeking a sublime escape to warmth, colour and barefoot luxury this winter Villa Nanne in St. Barth’s offers an irresistible invitation.

Situated above the gentle curve of Corossol Bay, just a few minutes’ stroll from the beach, this newly built villa combines Caribbean charm with refined design. Its four elegant king suites -each with a private bathroom - are spread across a series of bungalows connected by open-air staircases, allowing the island’s fragrant trade winds to drift through vaulted ceilings, louvered windows and polished wooden floors.

Life here unfolds against a panoramic backdrop of sapphire sea and the white sails of yachts gliding past. The villa’s expansive terrace, over 160 m² of sunlit lounging space,  flows seamlessly into a heated infinity pool that reflects every shimmer of the St. Barth’s sun. Inside, the living spaces are designed for both convivial gatherings and quiet moments, with plush seating facing the ocean and an additional lounge tucked behind for intimate conversation.

Each of the four bedrooms are a sanctuary of light and colour, blending natural materials like wicker and warm woods with Caribbean vibrancy. The master suite, steps from the main living area, enjoys immediate access to the pool terrace, while three further suites, each in its own pavilion, have private terraces and sweeping views. For those seeking complete indulgence, a fitness room and massage area await on the lower level. A fifth bedroom is available upon request for larger parties.

Beyond the villa, the village of Corossol remains one of St. Barth’s most authentic enclaves, a place where traditional fishing boats still line the shore and the art of weaving dried latan leaves into hats and baskets is kept alive. The brown-sand beach, the scent of salt air and the slow rhythm of village life provide a perfect counterpoint to the villa’s serene elegance.

For the Gourmet Traveller
The villa’s fully equipped kitchen, complete with gas stove, electric oven, Nespresso machine and a choice of indoor or covered terrace dining, invites either relaxed breakfasts by the pool or celebratory feasts under the stars.

Whether it’s sipping champagne on the terrace as the year’s last sunset paints the sky, or beginning January with morning swims in warm Caribbean waters, Villa Nanne is more than a holiday home. It is a stage for golden days and star-filled nights — a winter escape where the season’s sparkle follows you across the ocean.

When you book your stay with us, no request is too extravagant. Villa Nanne exemplifies our commitment to delivering the same lavish lifestyle service in all our destinations.  A Mini Moke or Mini Cooper Cabrio is included with all reservations in St Barth’s.

Contact by email or +44 207 692 4092.

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Georgia Kouvela-Piquet: Founder & President of the Hellenic-French Academy of Cultural Diplomacy

Georgia Kouvela-Piquet: Founder & President of the Hellenic-French Academy of Cultural Diplomacy

The Lady of Hellenism, Justice and Cultural Diplomacy in France

In a world that is transforming rapidly, the need for bridge-building individuals is more urgent than ever. Georgia Kouvela-Piquet, a successful lawyer with an international presence, is a modern woman of the Greek diaspora who has transformed her legal background into a tool of Cultural Diplomacy. Based in Paris but with Greece always in her heart, she moves seamlessly between courtrooms, university lecture halls, and Europe’s great cultural venues. Founder and President of the Hellenic-French Academy of Cultural Diplomacy in France, cultural liaison with prominent figures in European public life, and internationally awarded for her contributions to intercultural dialogue, Georgia embodies a new role for culture on the global stage—not as a luxury narrative, but as a tool for mutual understanding and peace. In the following interview, she speaks to us about her mission, the challenges of living a life between justice and culture, and how Greek identity can be expressed dynamically in today’s world.

Interview: Fotini Androulaki • Photography: Yannis Zindrilis, Open Studio WHITE IN BLUE • Make up artist: Maria Vogiatzi • Styling: Chris Andriopoulos - Brand:  Zeus + Dione

You’ve chosen to follow a dual path: on one hand, a top international lawyer; on the other, a passionate cultural ambassador. Was there a moment or experience in your life that pushed you to unite these seemingly different directions?

Professionally, I’ve had the opportunity to meet people involved in Cultural Diplomacy, expressed through diverse activities. During my legal studies, I lived in a country with a different cultural background. There, I witnessed how crucial legal support is in promoting cultural heritage and human dignity. That experience opened my eyes to how the two fields can complement each other. As a lawyer, I have the tools to understand and defend people’s rights, while cultural diplomacy allows me to promote understanding and solidarity among nations. I decided to merge these two paths to offer a more holistic approach to the challenges that communities face on an international level.

What was your vision for the Hellenic-French Academy of Cultural Diplomacy and how do you see it evolving within the European cultural landscape?

The Academy was designed with the vision of enhancing and promoting cultural dialogue between Greece and France. Its purpose is to serve as a cultural bridge, bringing together artists, academics, and communities. I see the Academy evolving dynamically within the European cultural scene, investing in partnerships that highlight Europe’s cultural heritage and values. Through exchange programmes, exhibitions, and conferences, I believe the Academy will help build a rich and multidimensional cultural landscape, fostering cooperation and mutual understanding among European nations.

In your legal role, you engage with some of the most influential figures of the French elite. How does this strong network benefit Greece’s cultural image abroad?

I firmly believe that all Greeks of the diaspora who live and thrive around the world must be proud ambassadors of our homeland. As a Greek of the diaspora, I feel this responsibility deeply. Strengthening ties with the French elite through my Greek and French professional activity brings multifaceted benefits to Greece’s cultural image abroad. A strong network allows Greece to showcase its rich cultural heritage, its arts, and its history on an international stage. Networking creates opportunities for strategic collaborations between countries and communities. We can promote initiatives focusing on Greek cultural events, artist and legal exchanges, and educational programs.

As a professional woman, mother, and cultural ambassador, how do you manage the tension between a demanding daily life and the need for reflection and creativity? Is there a “secret to balance”?

Balancing multiple roles in my life is a constant challenge. Over time, I’ve realized that self-organization and flexibility help me schedule my time in a way that, above all, includes the people I love. My “secret to balance” is the principle of prioritization—setting clear priorities—combined with exercise and meditation, which help me maintain focus and clarity. At the same time, the support of my family and colleagues is crucial, as it allows me to save time and energy so I can dedicate myself passionately to my creative pursuits.

The Greek diaspora plays a special role in preserving and projecting national identity. How do you perceive the concept of the “modern global Greek,” and where do you see your role in that context?

The Greek diaspora plays a pivotal role in preserving and promoting national identity. I see the “modern global Greek” as someone who combines a deep connection to Greek heritage and values with a global outlook. This is a person who incorporates elements of Greek cultural identity into contemporary life, while remaining open-minded and eager to collaborate with other cultures. In this context, my role is to promote that cultural heritage and Greek values abroad. Through participation in cultural events, collaborations, and initiatives, I aim to strengthen the voice of Greeks in the diaspora. I believe that promoting modern Hellenism is inherently linked to embracing and integrating it into a broader cultural framework—something that can be achieved through effective communication and support. The Greek diaspora has the potential to act as a cultural bridge, deepening the connection between Greeks abroad and their homeland, while also contributing to broader cultural and social interactions on a global scale.

You’ve worked with prominent figures in the arts and intellectual life—from Eleni Arveler to Mimi Denissi. What does the word “alliance” mean to you when it comes to cultural promotion?

For me, the word “alliance” in cultural promotion means building a strong network of collaborations between individuals and organizations who share common values and goals. Working alongside leading figures in science, the arts, and intellectual circles, I’ve seen firsthand how the power of the collective can greatly amplify our impact. Together, we can enhance the visibility of Greek scientists, thinkers, and artists, promote joint events, and achieve greater acceptance and recognition of Greece’s cultural heritage. Ultimately, alliances are essential to building a unified voice—one that speaks louder and has greater influence in promoting our culture on the international stage.

In a time when culture often takes a back seat to economic or technological priorities, what do you believe is its place today? Is it still a force for change, or merely a symbol of memory?

To ensure we don’t forget our history, we must hold on to symbols of memory. But we also need creation. Culture is a powerful force and a tool for promoting social change and solidarity. It strengthens communities and advances cultural heritage. In an era where economic and technological priorities emphasize development and innovation, culture still has the power to provide answers to social, political, and humanitarian issues. We need it as much as we need oxygen and sunlight. Culture embeds values and ideas that help us make sense of the world and invent new approaches. Through science, art, literature, theater, and other cultural expressions, artists and intellectuals foster dialogue and awareness, shaping social consciousness and encouraging critical thinking. Ultimately, when used effectively, culture is not just a look back at the past—it’s a dynamic force that can help shape a better present and future.

In closing, if we asked you to choose one Greek word that encapsulates your philosophy and your impact as a Greek of the diaspora, what would it be and why?

If I had to choose one Greek word that sums up my philosophy and impact as a Greek of the diaspora, it would be “synenosi”— unity and collaboration for the common good. In a time when differences and distances prevail, I believe our ability to bring together different cultures, ideas, and people is vital. This word also echoes my commitment to promoting Greek cultural identity while simultaneously integrating and exchanging experiences with other cultures. I’m convinced that only through unity can we build a stronger, more creative, and culturally richer global community—both for ourselves and for future generations.

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Clara Private Jet & Héli Air Monaco: The Ultimate Experience in Private Aviation

Clara Private Jet & Héli Air Monaco: The Ultimate Experience in Private Aviation

From a timeless passion for luxury and excellence comes Clara Private Jet—now partnering with Héli Air Monaco to take your travel experience beyond expectations.

A Seamless Fusion of Sky and Style

In a world where time is precious and discretion is paramount, the union between Clara Private Jet and Héli Air Monaco sets a new standard in luxury aviation.
This partnership is not just a matter of convenience—it is the natural meeting point of two visions: one shaped by the elegance of high-end aviation, the other by the mastery of helicopter excellence on the French Riviera.

With Clara Private Jet, each journey becomes a deeply personal experience, meticulously crafted around your preferences. Every flight is designed to give you complete control over your time, total privacy, and an unmatched sense of freedom.

By entrusting your travels to me, you gain peace of mind, the assurance of flawless execution, and the ability to focus solely on what truly matters, while we take care of everything else in the background.

And now, thanks to our collaboration with Héli Air Monaco, your travel doesn’t end on the runway—it begins above the clouds and continues all the way to your final destination, whether that’s a private villa in Saint-Tropez, Monaco or a mountain chalet in Courchevel.

Héli Air Monaco: The Art of Flying on the Riviera

When it comes to moving quickly and elegantly across the South of France, few do it better than Héli Air Monaco. Since 1976, the company has connected Monaco to Nice Airport and beyond with unparalleled precision and safety.

Within its fleet, Héli Air Monaco operates a modern, VIP twin-engine helicopter, the Airbus EC135 T2+, offering an experience that is both efficient and luxurious. With over 3 million passengers transported, Héli Air Monaco is a trusted name in elite helicopter travel.

An Integrated Experience: Clara Private Jet + Heli Transfer

For Clara Private Jet clients, time and comfort are paramount. Our collaboration with Héli Air Monaco enables a perfectly orchestrated air transfer:

●      Arrive at Nice Côte d’Azur or Cannes Mandelieu on your jet by Clara Private Jet

●      Be welcomed on the tarmac by a personal agent

●      Board your waiting helicopter and take off for Cannes, Saint-Tropez, or Courchevel—arriving in minutes.

Aboard both jet and helicopter, you are immersed in a world where service is invisible, but omnipresent.

Signature Experiences for Discerning Travellers

Together, Clara Private Jet and Héli Air Monaco offer more than transportation: we offer access to moments that define a lifestyle.

Panoramic Flights

Departures available from Monaco, Nice, and Cannes.

Enjoy breathtaking views of the bays of Monaco, Villefranche-sur-Mer, Èze, and the cinematic sweep of the Esterel Massif.

Every detail is curated to create a memory, not just a ride.

Wine & Gastronomy Tours

Imagine landing in the heart of a vineyard in Provence or Langhe for a private tasting, or arriving at a Michelin-starred restaurant in the South of France without touching a road.

With Heli Gastronomy and Heli Oenology, you don’t just visit—you arrive.

Courchevel in a Flash

Skip the winding Alpine roads. From the tarmac of Nice or Cannes to the snow of Courchevel, your heli transfer ensures you ski within the hour, fresh, rested, and ahead of the crowds.

Why “with Clara Private Jet” is better?

Clara Private Jet is a philosophy of refined travel. Every journey begins with a dedicated 24/7 concierge team that tailors every element of the flight to your needs, from bespoke itineraries to exclusive onboard amenities such as gourmet catering and noise-insulated cabins designed for total relaxation. Our fleet, which includes some of the most advanced private aircraft on the market, guarantees comfort, safety, and absolute privacy.

Clients of Clara Private Jet benefit from seamless door-to-door solutions: VIP airport access, priority boarding, and personalized ground transfers that save hours of waiting time. Whether you’re traveling for business or leisure, our multilingual team anticipates every detail, arranging anything from last-minute helicopter connections to fine dining reservations at your destination.

Entrusting yourself to me, and your time will never been wasted — it is transformed into a moment of elegance, productivity, or simply peace. This is what sets us apart: a fully curated experience that goes beyond aviation to create the perfect journey, every single time.

Join the Vivanova Lifestyle
As a Vivanova Platinum member, you have priority access to Clara Private Jet services, with personalized quotes, concierge assistance, and preferred coordination with Héli Air Monaco.

Whether you are planning your next private escape, hosting international clients, or simply celebrating life—Clara Private Jet and Héli Air are ready to elevate your experience.

Ready to Fly?

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+39 334 3960329

Terminals in Nice, Cannes, Monaco – and across Europe

Clara Private Jet
Where privacy, excellence, and comfort meet in a single flight.

Barclays Private Bank Monaco Partners for the Ultimate Mixer 2025 Monaco Gala This September

Barclays Private Bank Monaco Partners for the Ultimate Mixer 2025 Monaco Gala
Barclays has been present in Monaco for over a century. We celebrated our “100 Years Young”milestone in 2022 and today, building on the global resources of Barclays Group, our Private Bank offers a comprehensive service in the Principality.

Activate Your Brand During the Monaco Yacht Show at The Ultimate Mixer 2025 Gala.
Evolve with Club Vivanova in a dynamic partnership and fast-track the growth of your business network!

THE ULTIMATE MIXER 2025 MONACO GALA
Thursday 25th September 2025
Salle d’Or Ballroom . 7pm
Exclusive and Limited Capacity

In Partnership With
BARCLAYS PRIVATE BANK MONACO

Don't miss a luxurious gala evening of glamour, international networking and new business opportunities during the 2025 Monaco Yacht Show! Club Vivanova and their international partners invite you to enjoy a gourmet gala evening of luxury products, information and services shared amongst individuals and businesses having a common interest of positive and dynamic brand development. The Ultimate Mixer strives to bring together exceptional people in an exquisite location to cultivate new business opportunities.

Join The Ultimate Mixer as a Partner

With exclusive ticketing limited to a maximum of 120 guests, our 5th edition of this highly anticipated event focuses a growing list of global brands including the attendance of many of our Club Vivanova partners, international business leaders, celebrities, innovators, sports professionals, influencers and other distinguished guests. View our 2024 edition gallery.

7pm Premier Cru Champagne Aperitif
Four Course Gourmet Dinner
Premium International Wines
Business Presentations
Dynamic Live Networking

VIP Ticket €300
Partner Table (10 tickets) €2500

IYC - The Allure Of Sailing: Why A Sailing Yacht Should Be Your Next Investment

The Allure Of Sailing: Why A Sailing Yacht Should Be Your Next Investment

Owning a 
sailing yacht has long been more about the lifestyle it provides than anything else. Sailing offers plenty of opportunities to connect more with the ocean, for unique experiences, and the sense of freedom and independence it brings. 

We spoke with our expert Sales Consultant, Jamie Swaine, to explore what makes sailing yachts such an excellent choice for ownership and to shine a spotlight on some of our latest sailing yachts for sale. 

Connection To The Ocean

For sailing yacht owners, it is as much about the journey as the destination. No matter where you sail, from the Mediterranean to the Caribbean, it offers an immersive and rewarding experience. "When you own a sailing yacht, you're not just buying a vessel, you're buying into a way of life," says Jamie. "There's something incredibly compelling about moving across the water under sail, driven purely by harnessing the wind." Relying on wind-powered propulsion allows you to cover vast distances and heightens your understanding of nature and connection to the ocean. "It's a very different relationship with the oceans, and allows owners to still have that connection with 'yachting' as an activity as opposed to an asset ownership experience," he explains. A well-designed sailing yacht, like the ones currently listed for sale with IYC, offer a feeling of security and self-sufficiency that's not easily replicated.

Sailing Vs. Motor

When comparing owning sailing and motor yachts, Jamie mentions there are "two different mindsets." Both types of yachts for sale offer adventure and luxury intertwined; however, the experience hugely differs. "Motor yachts are about speed, luxury, and effortless travel. You have the freedom to cover large distances quickly with a focus on comfort and amenities," he says. However, the flip side he points out is the cost and logistics of fueling.

According to Jamie, sailing yachts offer "more engagement with your environment, and it's about seamanship and reading the conditions." Sailing yacht owners tend to feel more connected to the ocean and embrace nature's elements. Engineering factors also play a part in the differences; sailing yachts have a lighter engineering load than high-performance motor yachts; however, they require additional considerations for sails and rigging. The sailing yacht category includes various yachts with differing ownership experiences, from monohulls to multihulls, contemporary to classic, and motor sailors; IYC has a range of these sailing yachts currently for sale.

Read more online

Fight Aids Monaco! The 2025 Club Vivanova Charity Gala Helps Support and Bring Guidance to Those Affected by HIV/AIDS

FIGHT AIDS MONACO
The 2025 Club Vivanova Charity Gala Helps Support and Bring Guidance to Those Affected by HIV/AIDS

On Saturday 1st November 2025, Club Vivanova and Fight Aids Monaco once again join hands and work together to raise funds to help comfort and support those affected by cancer.
Read more about this fabulous event online..

Under The High Patronage and Presence of H.S.H. Princess Stéphanie of Monaco
CLUB VIVANOVA LUXURY LIFESTYLE CHARITY GALA DINNER

Saturday 1st November 2025 . 7pm
“Turning Luxury Into Charity”

Fairmont Monte Carlo
The Grand Salon

BOOK TICKETS

Fight Aids Monaco is an association founded in 2004 by H.S.H. Princess Stéphanie of Monaco, who has long been committed to the fight against HIV/AIDS. Since its creation, Fight Aids Monaco has been actively supporting people living with HIV by providing them with listening, support, and guidance

The association’s work is based on three main pillars:

Local action in Monaco: welcoming and supporting people living with HIV, as well as carrying out prevention efforts through the organization of anonymous and free testing days for the general public.

International action: supporting solidarity projects in more vulnerable regions, notably in Madagascar, Mauritius, Burundi, and South Africa, to improve access to healthcare, prevention, and education.

The Maison de Vie in Carpentras: a unique place for temporary stays, designed as a restful retreat where people living with HIV can recharge in a peaceful setting, surrounded by a caring team.

The core mission of Fight Aids Monaco is to create a space of listening and kindness for all those affected. Providing them with support, a shoulder to lean on, and a bubble of well-being is at the heart of every commitment made by the association.

This mission is made possible thanks to the valuable involvement of donors, partners, and teams who embody the values of solidarity and respect that define the identity of Fight Aids Monaco.

And none of this would be possible without the spontaneous support of all those who participate in charity events, or simply show interest in the work carried out by Fight Aids Monaco.

Fight Aids Monaco

NTL Trust Billionaire Boltholes: The Most Exclusive Real Estate through Citizenship or Residency 

NTL Trust Billionaire Boltholes: The Most Exclusive Real Estate through Citizenship or Residency 

For the ultra-wealthy, owning multiple residences is more than just a luxury, it’s a necessity. From private islands in the Caribbean to cliffside Mediterranean villas, the world’s most stunning properties serve as both lavish retreats and strategic hideouts. And in many cases, these exceptional estates come with a fantastic bonus: a second passport or residency. Here’s a look at some of the most desirable real estate opportunities available through citizenship and residency by investment programs, offering not just an elite lifestyle but enhanced global mobility. 

The Caribbean: Private Islands & Secluded Resorts 
For those who dream of turquoise waters and unlimited privacy, Caribbean citizenship by investment programs offer some of the most desirable luxury real estate investments. 

St. Kitts & Nevis: Four Seasons Nevis 
St. Kitts & Nevis, home to one of the most prestigious CBI programs, offers ultra-exclusive beachfront residences at Four Seasons Nevis. These seamless indoor-outdoor living estates provide ultimate resort living and a secure, tax-friendly environment. 

Dominica: Secret Bay Residences 
Dominica’s Secret Bay offers eco-luxury villas nestled in lush rainforest with panoramic ocean views. Investors purchasing property here support sustainability by investing in one of the world’s leading green hotels, that was built using sustainable materials in order to preserve the environment.  

Antigua & Barbuda: Hodges Bay Resort & Residences 
A sophisticated beachfront enclave, Hodges Bay offers high-end residences, penthouses, and villas with direct access to white sand beaches and world-class amenities. Investing in this development can also secure Antiguan citizenship, providing a second home in a tropical sanctuary. 

Mediterranean Majesty: Cliffside Villas & Private Estates in Greece 
For those seeking a European oasis, Greece’s Golden Visa program presents an exceptional opportunity for high-net-worth individuals looking for luxury real estate and EU residency benefits. 

Piraeus, Athens is an exciting industrial-to-residential redevelopment, just steps away from Greece’s largest port. Offering a mix of contemporary apartments, high-end amenities, and easy access to Athens, this real estate is a perfect investment potential for luxury coastal living. 

Patras Luxury Apartments offer an exceptional chance to own a high-end residence in one of Greece’s most dynamic cities. This beautifully reimagined industrial space is being transformed into 25 sophisticated apartments, featuring spacious layouts, modern interiors, and stylish high ceilings. Located in a prime area close to universities, hospitals, and key infrastructure, this project delivers a blend of urban convenience and upscale living. 

The Future of Luxury Investment Migration 
As global elites continue to seek undetected movement and refuge, investment migration is evolving to offer exclusive real estate opportunities that cater to these demands. Whether it’s a private island in the Caribbean or a historic estate in Europe, CBI investors are securing more than just a passport—they’re acquiring the world’s most desirable boltholes. 

For those considering investment migration, the question is no longer just where can I go but rather where can I escape in luxury? 

 

Lemon Studio Design - The Details That Cost You the Right Clients

Lemon Studio Design - The Details That Cost You the Right Clients

We’ve entered an era where real wealth hides. Where serious people live offline and expect digital to either match their values or get out of the way.

The irony is, some of the wealthiest brands look the simplest. That’s not because they’re underdesigned, but because they’ve edited. They’ve removed anything that doesn’t serve the point. They’ve chosen words carefully. They’ve chosen not to explain it all. They know their audience doesn’t need convincing, they just need to feel that they’re in the right place.

Monaco brings together some of the most discerning people in the world. And with that comes a very particular challenge for any business hoping to earn their trust.

Across industries - from real estate to hospitality - many brands are still using visual languages that worked in another era, or for a different kind of customer. Their websites don’t reflect the people behind them. They reflect the agencies that made them. Which means: trend-heavy templates, generic claims, overused stock images. But the real issue isn’t really visual. It’s psychological.

When someone is used to operating in high-trust, high-discretion environments, they’re not looking to be dazzled. They’re paying attention to details that most teams don’t even consider. Tone. Tempo. The feeling they get three seconds into landing on your homepage. And that’s where the missed opportunity lives.

If it feels off, it probably is.

Many companies believe that design is something decorative. A layer added once everything else is in place. But for people who navigate the world through instinct, design is often the first and only impression that matters. When it’s misaligned, people may not say anything, they just don’t come back.

Strong design can’t make itself the center of attention, it must give people a sense that everything is intentional. That someone thought this through. That there is clarity, order, and taste - even if they can’t quite explain why it feels that way.

In my work, I’ve seen this pattern across cities and sectors. Businesses trying to compete at a high level without realizing their digital presence is working against them. Maybe not dramatically, but enough to make the right people hesitate. And often, that’s all it takes.

It’s rarely about needing a rebrand or a full reinvention. More often, it’s about making better decisions with what’s already there. Refining the language so it reflects how you actually think. Removing the elements that were added out of habit, not intention. Adjusting the pacing of your website so it doesn’t feel like it’s trying to sell something but instead invites a certain kind of person to stay longer.

Visual noise is a trust issue

The highest-value clients respond to signs of intelligence - not just in what a brand says, but in how it arranges things visually. And in places like Monaco, where perception is the real currency, design isn’t just a tool for communication - it’s a display of competence. 

You might be sad to hear there’s no formula for this, no template. It’s slow work. It takes asking better questions, listening more carefully, and being willing to remove things that no longer serve you. But when it’s done well, something changes. The right people stay longer and the ones who were never meant for you disappear on their own. 

That’s what a well-designed presence does. It filters. And what looks simple to the world is, in truth, a sign that every detail was given the attention it deserved.

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Your Three Simple Summer Recipes for Brilliant Brain Health

Your Three Simple Summer Recipes for Brilliant Brain Health

Together with our Club Vivanova Platinum Partner Brain Health Network, we've put together three summer recipes that nourish your brain health, helping you to stay sharp, feel good and reduce the risk of cognitive decline.

A Brain Energising Breakfast
High Protein Overnight Oats

This breakfast is packed with protein which is vital in looking after your brain health. Protein is the building block for neurotransmitters - these facilitate communication between our brain cells.
Get the recipe

An Anti-Inflammatory Lightweight Lunch
Simple Mediterranean Fish Tray Bake with Vegetables

This recipe has many nutrients essential for brain cell structure and function. Omega-3 fatty acids reduces brain inflammation, while protein, vitamin B12, lycopene and selenium help to support your brain health. 
Get the recipe

A Superfood Summer Supper
Mediterranean Chickpea Salad

Chickpeas, peppers and avocado provide a powerful mix of nutrients that support the communication network in our brains. Packed with flavonoids, folate and B vitamins, this evening meal helps to protect against cognitive decline in later life. 
Get the recipe

The 2025 Club Vivanova Charity Gala Helps Support and Bring Comfort to Those Affected by Cancer

The 2025 Club Vivanova Charity Gala Helps Support and Bring Comfort to Those Affected by Cancer..

On Saturday 1st November 2025, Club Vivanova and Ecoute Cancer Réconfort once again join hands and work together to raise funds to help comfort and support those affected by cancer.
Read more about this fabulous event online..

Under The High Patronage and Presence of H.S.H. Princess Stéphanie of Monaco
CLUB VIVANOVA LUXURY LIFESTYLE CHARITY GALA DINNER

Saturday 1st November 2025 . 7pm
“Turning Luxury Into Charity”

Fairmont Monte Carlo
The Grand Salon

BOOK TICKETS

Founded in 1992 by Martine Vaccarezza, Mado Petit, Thérèse Mencaraglia and Philippe Ballério, under the Honorary Presidency of H.S.H. Princess Stéphanie, the Association Ecoute Cancer Réconfort has remained steadfast in its mission:

“To provide help and comfort to individuals who have suffered or are suffering from cancer, using the most adapted and appropriate measures.”

For over three decades, the association has been dedicated to improving the quality of life of cancer patients and their loved ones through a variety of initiatives:

Listening and Support at the Princess Grace Hospital:
A team of dedicated volunteers visits patients in the day hospital, offering a compassionate ear and much-needed moral support.

A Warm Community Life at “L’Espace Mieux-Etre”:
Since 2009, the association has operated this welcoming community centre, designed exclusively for the well-being of cancer sufferers. It provides a safe space where individuals can meet, share experiences, and participate in a wide range of activities aimed at helping them regain energy, cope with the disease, and break free from isolation.
While the centre does not offer medical treatments, it provides invaluable services such as socio-aesthetic care, nutritional guidance, a relaxation area, pilates, yoga and social support…

Activities and Outings:
The association organizes countryside walks and other outings, giving participants an opportunity to unwind and reconnect with nature. Additionally, regular events and information sessions are held to raise awareness and combat cancer, often open to the general public.

Through these efforts, Ecoute Cancer Réconfort continues to bring hope, comfort and vital support to all those impacted by cancer, reinforcing the importance of community, compassion and human connection in the healing journey.

For more information or to support our mission, please contact:

Email
+33 6 80 86 04 33

Le Marquis Luxury: St Tropez Views - Your Ultimate French Riviera Escape

Le Marquis Luxury: St Tropez Views - Your Ultimate French Riviera Escape

At the heart of the French Riviera, this magnificent, recently refurbished property offers an unforgettable escape, with sweeping panoramic views of St. Tropez and its glistening bay. Ideally located, it’s in walking distance to the local shops, chic restaurants and trendy beach bars. The luxurious and spacious accommodation is spread across four expansive floors, all seamlessly connected by an elevator, making this the perfect retreat for family reunions or a group of friends looking to indulge in the South of France’s renowned opulence and charm.

Step into the beautiful garden and you are greeted by an array of vibrant Mediterranean flora, meticulously arranged on multiple terraces. Whether it’s under the shade of a pergola or relaxing by one of the soothing fountains, the garden invites tranquillity and features shaded terraces for lounging, a gazebo, and even a boules court, perfect for embracing the laid-back lifestyle. The large swimming pool, which can be heated on cooler days, serves as the property’s centrepiece, complete with a spacious pool house. Here, you'll find a fully equipped kitchen, a cosy sitting room with a fireplace, and a dining area, making it an ideal spot for al fresco meals and sunset cocktails.

Inside, St Tropez Views is just as inviting, with grand, sun-drenched living spaces. From the ground floor's elegant entrance hall, sweeping staircase, and expansive terrace views to the sophisticated cinema room, gym and games room on the lower level, every corner of this home exudes luxury.

With 8 bedrooms offering comfort and privacy, this Villa can accommodate up to 16 guests and still has some availability for August. Contact edward@lemarquisluxury.com for details.

When you book your stay with us, no request is too extravagant. st tropez views exemplifies our commitment to delivering the same lavish lifestyle service in all our destinations.

Cento Restaurant in Bangkok Hosts Gourmet Fusion Wine Dinner with Club Vivanova This August

Cento Restaurant in Bangkok Hosts Gourmet Fusion Wine Dinner with Club Vivanova This August

In partnership with High Life Management and Luxe WineClub Vivanova launches a series of gourmet events in Thailand. Our pioneering event in Bangkok will showcase an exceptional selection of classical French wines, presented by Bradley Mitton and paired with a six-course gourmet dinner at Cento Bangkok. This fine Italian eatery symbolises a commitment to enduring excellence, inviting guests to indulge in an unforgettable dining experience rooted in the beauty of uncomplicated simplicity. Learn more..

GOURMET WINE MASTERCLASS DINNER
Thursday 28th August 2025 . 7.30pm

CENTO Bangkok
Premier Cru Champagne Aperitif
Five Premium French Wines
Six Course Gourmet Dinner
Wine Masterclass

THB 3900 per person
(includes full menu and wines)
Limited to 40 tickets

BOOK TICKETS

French Wine Degustation
Champagne Blanc de Blancs Brut 1er Cru Marie Helene Grande Reserve
2023 Sancerre Domaine de la Garenne, Loire Valley
2022 Chablis Les Charmes du Verger Récoltant, Burgundy
2022 Hautes Côtes de Beaune Domain de la Grange , Burgundy
2020 Gigondas Domaine de Saint Gens Cuvée de l’Ancien Oratoire, Rhône Valley
2018 Saint Emilion Grand Cru Les Charmes de Grand Corbin, Bordeaux

Six Course Gourmet Menu
Mortadella Focaccia & Chicken Liver Pâté Brioche
Raw Hamachi & Tuna Tartar
Black Truffle Raviolo . Pecorino Cheese
Saffron Risotto . Osso Buco
Slow Cooked Lamb . Roasted Potatoes . Shallots 
Tiramisu

Wine Masterclass
Guests will be offered an overview of regionally diverse grape varietals with a fun and comprehensive introduction to the fundamentals of wine appreciation. Learn about serving order, cork taint, basic tasting and vocabulary, assessing a wine, viticulture and winemaking practices, cellaring wine and matching food and wine.

You don't have to be a club member to join our parties. Everyone is welcome to book and attend our events, which are always well-attended; early reservations are recommended. 

Club Vivanova Membership
We now offer three membership platforms; individual, corporate and platinum with international promotional and networking benefits plus complimentary VIP tickets to exclusive member-only events in Monaco and across Europe and a selection of premium wines delivered to your door. Learn more

Love Across Borders: Intercultural Couples Reveal Their Secrets To Connection

Love Across Borders: 3 Intercultural Couples Reveal Their Secrets To Connection

In a world of increased mobility and cultural exchange, more and more couples are forging relationships across borders. However, while falling in love may be universal, staying in love across languages, traditions, and societal expectations takes something more.

As a matchmaker working with international professionals across Europe, I’ve seen firsthand how challenging, yet beautiful, intercultural connection can be. That’s why I created Love Across Borders: a storytelling project that brings visibility to real couples navigating love between cultures.

Here’s what 3 of the inspiring couples I met have shared with me about why their love stories are not only beautiful, but built to last.

1. Shared values matter more than shared passports

Whether it was Gabriela and Rasmus blending Danish hygge with the Brazilian passion for football, or Dominique and Mengshi balancing South African openness with Taiwanese reserve, each couple stressed the importance of values over nationality. Humour, family, communication – when those align, culture becomes a bridge, not a barrier.

2. Communication takes practice

Niamh, an Irish expat in Berlin, told me how she and her German fiancé Nik overcame linguistic misunderstandings with patience and understanding. “We over-communicate,” she said. “It’s the only way to stay on the same page.” Whether you’re navigating emotions or trying to decode puzzling idioms, open and honest communication is crucial.

3. Curiosity is the secret ingredient

Instead of seeing differences as obstacles, the strongest couples view them as opportunities to learn. Dominique summed it up: “Adopt your partner’s culture with real interest. Learn their language, ask about their childhood, and stay curious.” That mindset is the key to growing as a couple.

Read the full inspiring and thought-provoking stories on the blog on our website. As we prepare to reopen submissions for Love Across Borders this autumn, we invite anyone who has found love across cultures to get in touch by email and share their story. 

If you’re looking for that kind of meaningful connection yourself, book a free consultation with our professional matchmakers to learn more about how we help globally-minded singles find fulfilling relationships.

Contact ALTO Matchmaking
Email
Website
Instagram

Hua Hin News! Join our Sunday Brunch and Wine Degustation at Daddy Deli on 17th August

Hua Hin News! Join our Sunday Brunch and Wine Degustation at Daddy Deli on 17th August

In partnership with High Life Management and Luxe WineClub Vivanova launches a series of gourmet networking events in Thailand.

Our first event in Hua Hin will showcase an exceptional selection of classical French wines, presented by Bradley Mitton and paired with Sunday Brunch at Daddy Deli, a vintage style delicatessen and restaurant serving exceptional cuisine. Book tickets online

SUNDAY BRUNCH & WINE DEGUSTATION
Sunday 17th August 2025 . 12.30pm

Daddy Deli Hua Hin
Five Premium French Wines
Five Course Sunday Brunch
Wine Masterclass

THB 2600 per person
(includes brunch and wines)
Limited to 40 tickets

BOOK TICKETS

French Wine Degustation
2023 Sancerre Domaine de la Garenne, Loire Valley
2022 Chablis Les Charmes du Verger Récoltant, Burgundy
2022 Hautes Côtes de Beaune Domain de la Grange , Burgundy
2020 Gigondas Domaine de Saint Gens Cuvée de l’Ancien Oratoire, Rhône Valley
2023 Château Guilhem Tournier Bio Rosé, Bandol

Sunday Brunch Menu
Fine de Claire Oyster No. 3 (2)
Asian Grilled Tiger Prawns
Braised Wagyu Beef Cheek . Truffle Mash
Lumina Lamb Rack . Syrah Sauce
Black Kai Goat Cheese
Espresso / Water

Wine Masterclass
Guests will be offered an overview of regionally diverse grape varietals with a fun and comprehensive introduction to the fundamentals of wine appreciation. Learn about serving order, cork taint, basic tasting and vocabulary, assessing a wine, viticulture and winemaking practices, cellaring wine and matching food and wine.

You don't have to be a club member to join our parties. Everyone is welcome to book and attend our events, which are always well-attended; early reservations are recommended. 

Club Vivanova Membership
We now offer three membership platforms; individual, corporate and platinum with international promotional and networking benefits plus complimentary VIP tickets to exclusive member-only events in Monaco and across Europe and a selection of premium wines delivered to your door. Learn more

Why Gut Health Is Crucial For Brain Health - And The 6 Steps To improve It

Why Gut Health Is Crucial For Brain Health - And The 6 Steps To improve It

The link between the gut and the brain dates back to 1904, when Ivan Pavlov showed that the brain could influence digestion. In the century and decades that have since followed, science has shed a light on the connection between the gut and brain and revealed that they are more connected than we could ever imagine...

Continue reading to find out:

•  what the gut-brain axis is

• how the gut effects your brain health 

• ways to improve your gut and brain health

6 steps to improving your gut health

Lemon Studio Design: Three Rules of Brand Power - Inside the Minds of High-End Clients

Three Rules of Brand Power: Inside the Minds of High-End Clients

There’s a certain kind of client who doesn’t make decisions the way most people do. They’ve seen it all, bought the best, travelled further. They don’t compare prices, and they’re not scrolling for options. What they pay attention to is how your brand makes them feel. They want to sense that you’ve thought things through, that nothing is random, and that they’re in good hands. If your brand makes them hesitate, they’ll simply move on.

Doubt is expensive

I see so many brands losing the client long before a conversation even happens. Not because their product isn’t good enough, but because the brand doesn’t hold the weight it should. When everything from the logo to the language feels slightly off, it creates doubt. And doubt is expensive.

The brands that succeed in this space carry a sense of certainty. They’ve done the work of understanding who they’re speaking to, and it shows.

Rule 1: The Impression Has Already Happened

By the time someone opens your website, steps into your space, or sees your packaging, the decision is already forming. Not consciously but instinctively. Within the first few seconds, the brain is working rapidly to process visual and emotional cues.

Research in neuroscience shows that we form judgments in as little as 50 milliseconds. In those first moments, the brain is scanning for cues: Do I trust this? Have I seen something like this before? Is it coherent, confident, intentional? It’s searching for visual consistency, tonal alignment, and subtle markers of status or uncertainty. And once that impression is formed, the rest of the experience is filtered through it - which means even the most perfect product, message, or pitch is now being judged against a silent, automatic conclusion the client doesn’t even know they’ve made.

Every element, from typography to tone of voice, either builds trust or erodes it.

This is why luxury brands obsess over spacing, color tone, loading speed, and the shape of a button. Why the tone of an email, the name of a PDF, or the weight of a business card still matters. Because to the right client, everything counts.It’s a proof you operate at their level.

Rule 2: You Confuse, You Lose

Unclear brands get treated with hesitation. When someone can’t immediately understand what you offer, who it’s for, and why it’s relevant to them, they disconnect.

In today’s world, the brain is processing more information than it was ever designed to handle. We’re exposed to thousands of brand messages per day - most of them forgotten instantly. To cope, the mind defaults to speed: scanning, categorizing, eliminating. And in that rush, anything unclear is perceived as a threat to time, attention, or decision-making.

The more effort it takes to understand you, the more mentally expensive you become. And the second-guessing already costs you the sale.

Rule 3: Dont be the Hero

One of the most common mistakes I see is assuming people care about your story more than their own. The truth is, we move through the world constantly filtering: Does this help me become who I want to be? Does it meet the standard I operate at? Can I trust this without needing to ask follow-up questions?

Whether someone is choosing a hotel, a development partner, or a private chef, they’re looking for something that confirms who they believe they are, or who they’re becoming. In practice, this means most brands talk too much about themselves and not enough about what matters to the person deciding.
It’s why I see developers leading with their company history instead of the vision behind the project. Or restaurateurs waxing poetic about “family recipes” instead of showing what makes this space worth booking a week in advance.

The mistake isn’t talking about yourself - the mistake is assuming that your journey builds trust.
At this level, trust is built by relevance, clarity, and how well the brand reflects the expectations of the person you’re speaking to. You don’t need to be more impressive, you need to position your offer in a way that makes sense to the exact kind of person you're trying to reach.

The Psychology Behind Being Chosen

Subtle signs of misalignment are processed instantly: a dated font, a clunky menu, a tone of voice that feels off. These cues don’t necessarily say “no”, but they say “not for me.”

At the top level, there’s no such thing as a neutral impression. Everything either strengthens your position or weakens it. Studies in cognitive psychology show that once a first impression is made, people unconsciously seek out information that confirms it - a phenomenon known as confirmation bias. Which means if something small casts doubt early on, the brain will continue scanning for more reasons not to trust you. The opposite is also true: if the brand cues signal competence and clarity from the start, everything that follows is seen in a better light.

So how do you shift the signal? You get forensic. You walk through your brand as if you had never seen it before and you question everything. Does the homepage match the quality of the offer? Does your tone of voice match the sophistication of the person reading it?

Show Them Youve Done This Before

I’ve worked with founders who spare no expense on travel or dinner, but hesitate when it comes to the assets that carry their vision. Presentation tells the world what level you’re playing at and how far you think you can go. So if you’re not willing to invest in your own vision, why should anyone else? High-value clients are scanning for evidence that you’ve walked this road before and that you did it well. Confidence, precision, proof that you know the terrain.

Status Alignment

Power in branding is about what happens when every touchpoint - visual, verbal, spatial - carries the same confident subtext: We know who we are. And we’re not for everyone. In psychology, this is called status alignment - the principle that we instinctively gravitate toward things that reflect our perceived level of value. The brain doesn’t just process branding as information; it processes it as social position. That means every detail - color, spacing, tone, material, cadence - becomes a cue. These cues are subtle, but powerful. They tell someone whether this brand belongs in their world, or if it doesn’t.

What’s interesting is that high-status clients rarely articulate this. They don’t need to. The decision happens quickly, and mostly unconsciously. The brand either mirrors the level they live at, or it doesn’t, and this is why even well-made brands can still underperform. Not because the product lacks quality, but because the quality isn’t legible to the kind of person who makes decisions. Alignment is about being calibrated, so when your brand sits naturally in the world your clients already know, trust builds faster.

How to Tell if Your Brand Holds Power

Start your own little audit and focus on the first things a client sees. Your homepage, your Instagram, your proposal. Open your website and pretend it isn’t yours. Would you trust this brand with €80K of your money or reputation? Pick five brand assets (your IG bio, your last email, your business card, your packaging, your invoice). Do they all speak the same language? Read the first three sentences a new client sees. Are they clear, confident, and calibrated to the level of client you want?

Once your brand looks the part, something else happens, too.

You stop having to explain yourself. You stop defending your pricing. You stop attracting the wrong conversations. A powerful brand gives you back your time, your positioning, and your energy. And the more aligned your brand becomes, the more ambitious your future starts to look - because it starts attracting the kind of people, projects, and decisions that pull you forward.

Monika Lepova, founder of Lemon Studio Design

I created my studio with one purpose: to build brands that are taken seriously by the right people in the right rooms. And I don’t believe most luxury brands in Monaco are actually speaking to the right kind of wealth anymore. They rely on tired aesthetics and generic messaging, hoping it will be enough. What we do isn’t surface work and it’s never just about making things prettier. It’s about identifying where the brand falls short of the level it’s trying to reach, and correcting that with clarity and intent. Because if your brand doesn’t reflect the level you’re aiming for, people will assume you’re not ready for it yet.

Website
Instagram
Email

Pattaya News! The Globe’s Heritage by Chef Alex Showcases an Exclusive Fusion Wine Dinner this August

The Globe’s Heritage by Chef Alex Showcases an Exclusive Fusion Wine Dinner this August in Pattaya
Sunday 24th August 2025 . 7.30pm

BOOK TICKETS

The Globe’s Heritage by Chef Alex is an ultra-luxurious fine dining destination just 50 meters from the beach in the heart of Pattaya. Blending heritage and innovation, our globally inspired menu reimagines traditional flavors through modern techniques, crafted with the finest local and international ingredients.

Led by Executive Chef and Managing Partner Alexander Hardinan, we aim to elevate regional gastronomy and set new standards in Chonburi’s culinary scene, with a vision to earn a Michelin star.

Our refined, intimate setting is perfect for special occasions and memorable evenings. Committed to sustainability and excellence, The Globe’s Heritage offers more than a meal—it’s a journey of discovery where every dish tells a story.

GOURMET FUSION DINNER & WINE MASTERCLASS
Sunday 24th August 2025 . 7.30pm


The Globe's Heritage by Alex
Premier Cru Champagne Aperitif
Five Premium French Wines
Seven Course Fusion Dinner
Wine Masterclass

THB 3900 per person
(includes full menu and wines)
Limited to 20 tickets

BOOK TICKETS

Tradepass Review - U.S. Tax Compliance for Monaco Banks and Investment Funds

U.S. Tax Compliance for Monaco Banks and Investment Funds

The Foreign Account Tax Compliance Act (FATCA) imposes comprehensive due diligence, withholding, and reporting obligations on foreign financial institutions (FFIs) that hold U.S. accounts. Since Monaco has not signed an intergovernmental agreement (IGA) with the United States, Monaco banks and investment funds generally fall under the non-IGA FATCA framework, governed by the FFI Agreement outlined in IRS Revenue Procedure 2014-38.

While compliance with U.S. FATCA requirements may seem daunting and expensive, it is important to note that it often leads to significant benefits, including efficient access to American financial markets. In the absence of a specific agreement with the IRS, clients of the Monaco financial institution may be subject to a 30% withholding tax on certain U.S.-source payments. This is technically referred to as “Chapter 4 Withholding” and cannot be overridden by any Income Tax Treaty.

1. Who Must Comply?

All Monegasque entities that qualify as foreign financial institutions (FFIs) must either:

- Enter into an FFI Agreement with the IRS as a Participating FFI, or

- Qualify for and certify as a deemed-compliant FFI, if eligible.

An FFI typically includes:

- Banks and deposit-taking institutions

- Custodians and brokers

- Investment funds

- Certain insurance companies

 2. FATCA Registration Steps for Monegasque FFIs

Step 1: Determine FFI Classification 

Classify your entity according to IRS definitions. Most banks and funds will be classified as FFIs, not NFFEs (non-financial foreign entities).

Step 2: Register with the IRS

- Use Form 8957 through the FATCA Registration Portal. 

- Designate a Responsible Officer (RO). 

- Identify and register all relevant branches, including those in Monaco.

Step 3: Receive a GIIN

Once approved, your institution will receive a Global Intermediary Identification Number (GIIN) and be listed on the IRS FFI List.

 3. Key Compliance Obligations Under the FFI Agreement

As a Participating FFI, you agree to:

Due Diligence 

- Classify all account holders and payees. 

- Identify: 

  - U.S. accounts 

  - Nonparticipating FFIs 

  - Recalcitrant account holders 

- Apply specific documentation and verification procedures (e.g., Form W-8BEN-E, self-certifications).

Withholding

- Impose a 30% withholding tax on U.S.-source payments to: 

  - Recalcitrant account holders 

  - Nonparticipating FFIs 

- Withholding on foreign passthru payments is deferred until regulations are finalized.

Reporting 

- Annually report: 

  - U.S. account holder details (Form 8966) 

  - Aggregate information for recalcitrant accounts 

- File Form 1042 for payments and withholding, as applicable.

Compliance Program 

- Appoint a Compliance Official within your organization (if applicable). 

- Maintain written procedures. 

- Ensure systems to monitor changes in account holder status. 

- Certify compliance every three years (or more frequently if required).

U.S. Treasury Regulations offer several important exceptions specifically designed for smaller Monegasque institutions that may qualify for deemed-compliant status, thereby avoiding the costs associated with a FATCA compliance program:

a)         Certified Deemed-Compliant Local FF 

  Conditions include: 

  - 95% of account holders are Monegasque residents. 

  - No U.S. account holders with balances over $50,000. 

  - No custodial or investment advisory services. 

  - No affiliations with foreign FFIs. 

b)        Owner-Documented FFI 

  Applicable for small entities sponsored by withholding agents, with a transparent ownership structure and no custodial functions.

These exceptions require certification and are valid only if IRS conditions are met and maintained.

 Common Pitfalls to Avoid

- Failing to classify accounts correctly or update documentation.

- Missing deadlines for filing Form 8966 or Form 1042.

- Assuming Monaco’s bank secrecy laws override U.S. tax law—they do not.

- Not identifying and registering limited branches, which exposes the group to risk.

Possible Penalties for Noncompliance with IRS Agreement

It is crucial to understand that U.S. tax laws impose significant penalties for noncompliance if a Monegasque bank or investment fund fails to meet regulations and specifically:

 - Fails to register, or

- Defaults on the FFI Agreement, or

- Does not properly withhold or report,

For more information, contact Andrea Ricci CPA by email or by telephone on +39 3792856765.