ipac is a financial advice and investment group that has been helping clients achieve their financial and chosen lifestyle goals since its formation in Australia in 1983. For more than a decade, ipac has been at the cutting edge of multi-diversified investing.

ipac Hong Kong was established in early 2003. It has a team of qualified advisors dedicated to meeting the financial planning needs of both expatriates and Hong Kong citizens.

ipac manages more than AUD9bn for over 30,000 individuals and institutions worldwide and has other offices throughout Australia and in Singapore, Taiwan, South Africa and Ireland.

ipac is part of the AXA Group, a global force in wealth management and financial protection with assets under management of USD1 trillion.

ipac is fully licensed in Hong Kong by the Securities and Futures Commission (SFC) and the Hong Kong Federation of Insurers (HKFI).

Nature of Business:
personal CFO service for busy professionals
Fee-based and unbiased financial advice
portfolio management

Services Provided:
lifestyle financial planning
multi-manager portfolio investment service
retirement planning
children's university fund planning
career transition and international placements

Royal Skandia is the Isle of Man-based offshore arm of the Skandia UK Group.

A leading life company in the offshore investment market, Royal Skandia offers a range of tax-efficient investment products aimed mainly at expatriates and international investors. Royal Skandia has teamed up with the world's top fund managers to create a range of funds tailored for investors' individual needs.

Royal Skandia established its representative office in Hong Kong in 1991, distributing its investment-linked insurance products through independent financial advisors. It has been actively promoting holistic financial planning through its participation in the Institute of Financial Planning of Hong Kong. As one of its founding member, it endorses and supports the CERTIFIED FINANCIAL PLANNERCM professional designation, which fits in well with the financial planning tools, which Royal Skandia provides.

Parent company, Skandia Insurance Company Limited, is one of Europe's oldest insurance companies. It has developed and evolved constantly over the years to reach its present position as one of the world's leading long-term saving companies with operations in over 20 countries and assets under management exceeding £56 billion (as at 31.12.04). For more information on Skandia Insurance Company Limited visit www.skandia.com