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Impartial and independent, ThoughtLeaders4 HNW Divorce Knowledge Hub hosts cutting edge industry content and insight.

Issue 3 of our e-magazine is now live - Have a read of our Summer Edition below, the perfect staycation read!

HNW Divorce Magazine - Issue 3 - The Perfect Staycation Read…

Date: 06/08/2020 Type: Community Magazine Topic: HNW Divorce | ADR | Children | Client Perspective | Finances | Modern Family | Remote Hearings | Arbitration | Private FDR’s | Early Neutral Evaluations |
Author: ThoughtLeaders4 HNW Divorce

We are delighted to bring you the Summer edition of the HNW Divorce Magazine. With lockdown easing, having the brake pedal squeezed, over, impending or a 2nd wave imminent there has never been greater pressure on everyone’s way of life. Community has never been more important to the busy practitioner and we are pleased to bring you truly unprecedented industry-led content in the bumper 3rd edition of the HNW Divorce Magazine.

Read Here!

HNW Divorce Magazine - Issue 2 - Community Comes First

Date: 24/04/2020 Type: Community Magazine Topic: FIRE | Enforcement | Offshore | HNW Divorce | ADR | Children | Client Perspective | Finances | Modern Family |
Author: ThoughtLeaders4 HNW Divorce

We are delighted to bring you the Community Comes First edition of the HNW Divorce Magazine, where you will get the latest insights from all professionals whose practice encompasses or touches upon the HNW Divorce community.

Read Here!

HNW Divorce Magazine - Issue 1 - Valentines Special

Date: 19/02/2020 Type: Community Magazine Topic: FIRE | International | Enforcement | Offshore | HNW Divorce | ADR | Children | Client Perspective | Finances | Modern Family |
Author: ThoughtLeaders4 HNW Divorce

We are delighted to bring you our inaugural Valentines edition of the HNW Divorce Magazine, where you will get the latest insights from all professionals whose practice encompasses or touches upon the HNW Divorce community.

Read Here!

Villiers October Event Slides

Date: 05/10/2020 Type: Reports Webinars Topic: HNW Divorce | Modern Family | Author: Villiers Event Speakers
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Quickfire HNW Divorce: Hot Topics in Finances & Children - Event Slides

Date: 25/09/2020 Type: Reports Webinars Topic: HNW Divorce | Children | Finances | Author: Event Speakers

Event slides for Quickfire HNW Divorce: Hot Topics in Finances & Children

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War Stories on Pre- and Post-nuptial agreements

Date: 21/09/2020 Type: Articles Topic: HNW Divorce | Finances | Modern Family |
Author: Lucy Greenwood

Marital agreements are becoming increasingly popular in England & Wales as more couples seek greater certainty of financial outcomes in the event they divorce. The increasing number of international couples (who may be more used to such agreements) has also made marital and civil partnership agreements more popular and culturally acceptable in England & Wales.

Hot topics in proceedings for financial provision after a foreign divorce (Part III)

Date: 21/09/2020 Type: Articles Topic: HNW Divorce | Finances | Modern Family |
Author: Michael Allum

Proceedings for financial claims after a divorce has already taken place in another country (known in England and Wales as Part III applications) are politically, legally, and culturally sensitive.  These applications enable a court in one country to determine whether a financial outcome made in another country is fair and adequate and if not, additional financial relief can be secured. This can sometimes lead to very large financial settlements.  This talk deals with the most relevant cases in the last 12 months and discusses some current thorny issues including the difficulty in sharing English pensions after a foreign divorce post 31 December 2020.   

Family law leaves the EU:  the law on 1 January 2021

Date: 17/09/2020 Type: Articles Topic: HNW Divorce | Finances | Modern Family |
Author: David Hodson OBE MICArb

EU family laws end on New Year’s Eve 2020[1].  For all new proceedings[2] from 1 January 2021 onwards there will be reference to national laws and non-EU international laws.  This article summarises what is that law, separating out threefold elements of jurisdiction, forum[3] and recognition with enforcement.  In turn it is within the three key areas namely divorce, maintenance and children. 

Family law leaves the EU: the conjunctive or disjunctive interpretation resolved by EU guidance

Date: 07/09/2020 Type: Articles Topic: HNW Divorce |
Author: David Hodson OBE MICArb

Over the summer there was real uncertainty concerning the proper and appropriate interpretation of a key part of the 2019 EU Withdrawal Agreement (WA).  Not a matter of mere academic or political interest, it was vital for family law practitioners to know how to prepare for EU exit, specifically what steps should be taken in their cases this autumn and winter.  Last week the EU published guidance which very helpfully clarified the position, confirmed by the UK Ministry of Justice. 

Claiming maintenance where the petition is based on sole domicile

Date: 04/08/2020 Type: Articles Topic: HNW Divorce | Finances | Modern Family | Remote Hearings |
Author: Peter Duckworth & Conor Fee - 29 Bedford Row

In the recent unreported decision of B v B, heard remotely at the CFC in May 2020, two members of chambers were on opposite sides: Peter Duckworth for the wife and Conor Fee for the husband. The skeleton arguments and ensuing judgment addressed controversies that have surrounded the interpretation of Article 3 of Council Regulation (EC) No 4/2009 (the Maintenance Regulation).

Death & Divorce Full Event Slides

Date: 20/07/2020 Type: White Papers Topic: Author: ThoughtLeaders4

Event slides from Death & Divorce webinar

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Trusts in Divorce 6th July Event Slides

Date: 07/07/2020 Type: Webinars White Papers Topic: HNW Divorce | Finances | Private Client | Trusts |

Slides from the Trusts in Divorce event on the 6th July

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29 Bedford Row Event Materials

Date: 01/06/2020 Type: Reports Topic: HNW Divorce | Author: 29 Bedford Row

Downlaod the event notes and slides from the recent 29 Bedford Row event - HNW Divorce, The latest from 29 Bedford Row

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Cases Referred to in Trustees & Divorce Virtual Event

Date: 01/06/2020 Type: Reports Topic: HNW Divorce | Finances | Author: Trustees & Divorce Speakers

Crib sheet of cases referred to in recent virtual event

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Suggested Guidance for the conduct of Financial Dispute Resolution/Neutral Evaluation Hearings & for the conduct of a remote hearing as arbitrator or PFDR

Date: 29/05/2020 Type: Reports Webinars White Papers Guide Topic: HNW Divorce | Children | Finances | Remote Hearings | Arbitration | Private FDR’s | Early Neutral Evaluations | Author: Nicholas Allen QC - 29 Bedford Row, Janet Bazley QC - 1GC, Andrzej Bojarski - The 36 Group, Nigel Dyer QC - 1 Hare Court, Marina Faggionato - QEB, Charles Hale QC - 4PB, Suzanne Kingston - Mills & Reeve, Christopher Pocock QC - 1KBW

Drafted by an experienced cohort of QC’s, barristers and arbitrators who regularly practice as private judges and arbitrators in remote hearings, this guidance aims to answer these questions and provide insight on best practice. See guidance documents below:

Want further clarifiaction? Question the authors directly in a 1 hour webinar on 12 June 2020 designed to provide guidance on the guide:

A Guide to Remote Private Hearings: Arbitrations, Private FDRs and Early Neutral Evaluations (12pm-1pm, 12 June 2020)

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Unmarried Couples & Schedule 1 Event Materials

Date: 12/05/2020 Type: White Papers Topic: HNW Divorce | Children | Finances | Modern Family |
Author: Unmarried Couples Event Speakers

All materials for the Schedule 1 and unmarried couples event can be found here 

Urgent relief and the practical implications of social distancing: business as usual, but not as usual

Date: 12/05/2020 Type: Articles Topic: FIRE | Enforcement | HNW Divorce | Finances |
Author: Catherine Eason & Andrew McLeod - PCB Litigation

A flood of material released by the courts of England and Wales has ensured that the message has quickly spread that, while it may not be quite as usual, every step is and will be taken to ensure that court business continues. 

How far does the Split reflect the Family law reality

Date: 12/05/2020 Type: Articles Topic: HNW Divorce | Children | Client Perspective | Finances | Modern Family |
Author: Samantha Woodam - The Divorce Surgery

The Split, a BBC One drama which follows the personal and legal challenges faced by the Defoes (a family of female divorce lawyers to high-end and celebrity clients), returned to our screens last month after the success of its first series back in Spring 2018.

Splitting Finances on Divorce

Date: 12/05/2020 Type: Articles Topic: HNW Divorce | Finances |
Author: Svenja Keller – Killik

Getting divorced is never easy and quite often, splitting up the finances is one of the most stressful parts of the divorce process. As financial advisers, we cannot take the emotional stress away but we can make the financial discussion easier and in some cases, we can find ways to improve the overall tax situation. I have even seen one situation in which a divorce became the most viable option to achieve a specific financial goal… more on this later.

Attacking and defending (pension) trusts in divorce

Date: 12/05/2020 Type: Articles Topic: HNW Divorce | Finances |
Author: Joseph Steadman - Wilberforce Chambers

Pensions can be of huge significance for divorcing high-net-worth couples. The most recent ONS figures show that for the wealthiest 10% of households, private pensions amount to 44% of overall wealth, compared to 30% held in property and 22% held in other investments.

The current obstacles facing intended parents in UK/US international surrogacy arrangements

Date: 12/05/2020 Type: Articles Topic: HNW Divorce | Children | Modern Family |
Author: Sarah Williams - Payne Hicks Beach

Although both altruistic and compensated surrogacy in the England is legal, it is important to note that English surrogacy contracts are not legally enforceable and therefore wholly reliant on goodwill for their execution.

Enforcement of Matrimonial Orders and potential funding options

Date: 12/05/2020 Type: Articles Topic: HNW Divorce | Finances |
Author: Hannah Davie& Michael Leeds of Grant Thornton UK LLP - Alex Cooke and Alex Hulbert of Schneider Financial Solutions

Disputes within HNW Divorces are increasingly common.

Clients can spend considerable sums and years fighting for a successful Matrimonial Order (Order), which they envisage will be paid after an Order is obtained.

Can you enforce the terms of an English order in Jersey?

Date: 12/05/2020 Type: Articles Topic: HNW Divorce | Finances |
Author: Lauren Glynn & Victoria Cure - Carey Olsen

Many practitioners will appreciate that Jersey is a self-governing Crown Dependency with constitutional rights of self-government and judicial independence. It follows that orders made in the courts of England and Wales are not enforceable as of right in this jurisdiction. We focus in this article on three common scenarios we see when such cross-jurisdictional considerations arise and the steps you can take to ensure that the terms of such an order are honoured.

Coronavirus’ impact on HNWs advice

Date: 12/05/2020 Type: Articles Topic: HNW Divorce | Finances | Modern Family |
Author: Alexander Troller & Joséphine Auberjonois - Lalive

The Coronavirus pandemic reminds us of Simone de Beauvoir’s “All men are mortal” Both encourage us to re-evaluate our priorities, prompting us to seize new opportunities otherwise ignored under the “business as usual” regime.

UK EU Cooperation in Family Law after Brexit: the effect for HNW families

Date: 12/05/2020 Type: Articles Topic: HNW Divorce | Finances |
Author: David Hodson OBE MICArb

The UK has left the EU.  But existing laws continue throughout the transition period, end December 2020.  Some had lobbied for EU family laws nevertheless to continue.  In February 2020 the UK government confirmed EU laws will end completely.  But the UK is probably the leading jurisdiction for international families and the EU represents a significant number of the independently mobile cross-border families.  It is essential there is future cooperation.  Moreover, what will be the effect and impact on high net worth families? 

Compensation claims on divorce - when the clocks can’t be turned back to recover loss of future earning potential

Date: 04/05/2020 Type: Articles Topic: HNW Divorce | Finances |
Author: Stacey Nevin - Kingsley Napley

Our client was successful in her claim for “compensation” for what Mr Justice Moor described as her “relationship generated disadvantage”. The principle of compensation first appeared in the family courts in the 2006 judgment of Miller v Miller; McFarlane v McFarlane [2006] UKHL 24. Since then, there have been no reported cases where the principle has been argued successfully, until now

Child abduction during the Coronavirus Pandemic

Date: 04/05/2020 Type: Articles Topic: HNW Divorce | Children |
Author: Lina Khanom - IFLG

In Re N (A child) [2020] EWFC 35 the High Court was asked to consider whether judicial delays abroad caused by COVID-19 was a reason to depart from the general practice recommended in the decision in Re S (A Child) (Abduction: Hague Convention) [2018] 4 WLR 108 namely that the court should defer making its own return order until an application under the 1980 Hague Convention has been determined in the other member state.

Should Children be Moving between their Parents’ Homes during the Coronavirus?

Date: 24/04/2020 Type: Articles Topic: HNW Divorce | Modern Family |
Author: Samantha Woodham - The Divorce Surgery

Living through the Coronavirus creates a heightened sense of stress and anxiety for us all. Decisions that used to require no thought at all are now, for many of us, very fraught: Should I go to the supermarket? How should I take my daily exercise? Do we have enough food this week? How can I support my elderly relatives? It is an extremely challenging time.

Couples to be able to ‘Tie the Knot’ over Zoom

Date: 20/04/2020 Type: Articles Topic: HNW Divorce | Modern Family |
Author: Michael Allum

That is to be the position in New York after Governor Andrew Cuomo announced on 18 April 2020 that he had signed an Executive Order allowing New Yorkers to obtain marriage licences remotely and authorising clerks to perform ceremonies via video conference.

The Heartbreak of Grandparents during Coronavirus

Date: 20/04/2020 Type: Articles Topic: HNW Divorce | Modern Family |
Author: Vanessa Lloyd Platt - Lloyd Platt & Co

The media has been at great pains to emphasize the huge surge in cases of domestic abuse during the course of the Coronavirus lockdown.  In some areas there has been reported some 400  cases over the lockdown period which has lasted a month.  Translated across the country and in fact the world, the case numbers are ever growing. 

Trustees and Divorce: Navigating Stormy Waters

Date: 13/04/2020 Type: Articles Topic: Finances |
Author: Jonathan Arr, Elizabeth Doherty & Ed Parry Smith - Macfarlanes

Debt, death and divorce: often grimly cited as the estate agent’s best friends, they are also three main harbingers of trust litigation. The last of these can be particularly troublesome for trustees, who can find themselves in a difficult position when a beneficiary (or beneficiaries) of a discretionary trust divorce, especially when it is taking place in the English courts

Ways of Protecting Family Wealth on Divorce

Date: 12/04/2020 Type: Articles Topic: Finances |
Author: Abby Buckland - Kingsley Napley LLP

Parents are increasingly reluctant to provide financial assistance to their adult children because they are concerned that the money could be lost in a divorce. We are often approached by anxious parents who are keen to ensure that family wealth intended for their children and grandchildren won’t fall into the hands of their estranged son or daughter in law, should they later divorce.

Out-Of-Court Resolution: DR in the Corona Virus Environment and Beyond

Date: 27/03/2020 Type: Articles Topic: ADR | Children | Finances |
Author: Suzanne Kingston - Mills & Reeve

We are adapting to a whole new normal – There’s been an overnight shift to remote working for almost the entire population and the court system which has remained unchanged for decades is creaking and in many instances no longer available. This is therefore a time for alternatives to court to come into their own. We are lucky that over the years we have developed a whole range of DR. All of the forms of DR can be undertaken virtually – whether by Skype/zoom/loop up and many accredited practitioners are waiting to help.

Coronavirus in the Family Law arena

Date: 23/03/2020 Type: Articles Topic: International |

The Coronavirus pandemic has no doubt created fear around the world. With school closures, travel bans and the lockdown of many cities around the world, many of us are left wondering where the safest place for us is to ride out the coming months. Whilst it is completely understandable to want to protect ourselves, our families and our children, if looking for a safe haven results in you removing your children from their country of residence, without the consent of the other parent, you could find yourself facing civil and criminal repercussions.

More Skype hearings prompted by the Coronavirus outbreak

Date: 09/03/2020 Type: Articles Topic: International |
Author: David Hodson OBE MICArb

Reports in some media and newspapers today, Sunday 8th March 2020, indicate that HM Courts & Tribunals Service is moving ahead with coronavirus containment plans to have more Skype type video-conferencing court hearings, particularly and initially in criminal cases, to reduce the need for use of public transport and public gathering. The family law profession will follow developments closely as it can only be a short step to the same measures in the Family Court.

Potential Psychology and Emotional Challenges in HNW and UHNW Divorce

Date: 19/02/2020 Type: Articles Topic: Client Perspective | Modern Family |
Author: Ahi Wheeler - Harley Street Therapy

While we are all aware of the highly complex legal, financial, commercial and international issues raised by HNW divorces, how much do we know about the personalities that have evolved within this section of society? What might we encounter of the psychology and emotional aspects of the parties involved? HNW and UHNW individuals face and develop a set of challenges within life that might be unfamiliar to those who do not inhabit that world of affluence. The very nature of their circumstances allows them to distance and detach themselves from the everyday concerns that occupy most of the planet, the need to survive financial demands on daily basis, to make ends meet. Consequently there is often little awareness, sympathy or empathy for the human and existential struggles that they, like every other human on the planet, have to face.

Will Marriage Story spark a debate about Family Justice?

Date: 19/02/2020 Type: Articles Topic: Modern Family |
Author: Samantha Woodam - The Divorce Surgery

The Oscar winning Marriage Story, released on Netflix, is a compellingly accurate, often painful to watch, account of the fallout when a marriage ends, and the damaging impact adversarial litigation can have. As family lawyers, we are all used to scoffing at TV dramas bearing little resemblance to the reality (“did you see? They used completely the wrong court forms!?  And just IMAGINE speaking to your clients like that!”), but Marriage Story really is something different.

Potential Psychology and Emotional Challenges in HNW and UHNW Divorce

Date: 19/02/2020 Type: Articles Topic: Client Perspective | Modern Family |
Author: Ahi Wheeler - Harley Street Therapy

While we are all aware of the highly complex legal, financial, commercial and international issues raised by HNW divorces, how much do we know about the personalities that have evolved within this section of society? What might we encounter of the psychology and emotional aspects of the parties involved? HNW and UHNW individuals face and develop a set of challenges within life that might be unfamiliar to those who do not inhabit that world of affluence. The very nature of their circumstances allows them to distance and detach themselves from the everyday concerns that occupy most of the planet, the need to survive financial demands on daily basis, to make ends meet. Consequently there is often little awareness, sympathy or empathy for the human and existential struggles that they, like every other human on the planet, have to face.

HNW foreign divorces with a Jersey connection

Date: 18/02/2020 Type: Articles Topic: International | Offshore |
Author: Lauren Glynn & Victoria Cure - Carey Olsen

This article briefly discusses two cross-jurisdictional issues arising in foreign  HNW divorces on which we are regularly instructed to advise from a Jersey law perspective.Given Jersey's status as a leading and highly regulated, offshore financial services centre, we frequently encounter HNW and UHNW divorces featuring Jersey trust structures. In almost all cases, Jersey trusts are administered by professional trustees regulated under our Financial Services (Jersey) Law 1998 by the Jersey Financial Service Commission and further subject to the supervision of the Royal Court of Jersey. When beneficiaries of a Jersey trust become involved in foreign divorce proceedings, it is helpful for them to understand that the trustee(s) have a number of important decisions to make...

Matrimonial Proceedings - Insolvency Considerations

Date: 17/02/2020 Type: Articles Topic: International | Finances |
Author: Chris Pocock QC, 1KBW & Kristina Kicks, KPMG

Insolvency proceedings are a potential option for clients to consider in situations where there are unpaid debts, judgments and orders and/or concerns over the dissipation of assets.

It is recognised that insolvency can seem a nuclear option for enforcement but insolvency proceedings can be an effective strategy to maximise recoveries where a client has an outstanding award.

How to enforce a prenuptial agreement

Date: 16/02/2020 Type: Articles Topic: Finances | Modern Family |
Author: Jane Keir - Kingsley Napley

It is almost ten years since the landmark decision of the Supreme Court in Radmacher v Granatino [2010] UKSC 42 changed the law on prenuptial agreements, giving their enforceability a huge boost when holding that the parties would be held to their bargain in the event of a divorce where the agreement ‘’was freely entered into by each party with a full appreciation of its implications, unless in the circumstances prevailing it would not be fair to hold the parties to their agreement’’.

The Coronavirus and Family Law

Date: 13/02/2020 Type: Articles Topic: International |
Author: David Hodson OBE MICArb

The World Health Authority is on the verge of declaring the coronavirus a pandemic, a disease found significantly on more than one continent and being spread frequently between people.  How should family lawyers take this into account in the work they are undertaking for their clients, particularly international clients or those with assets abroad?  This summary note is intended for England and Wales but has relevance for all family lawyers around the world.

60 Seconds with Jane Keir

Date: 03/02/2020 Type: 60 seconds with Topic:
Author: Jane Keir - Kingsley Napley

Jane Keir is one of the most well known and recognisable faces of family law. As co-chair of our inaugural conference we got her thoughts on the industry and what to look out for on the 19th May. 

Disclosure in Financial Remedy Proceedings: no Longer a “Cheater’s Charter”?

Date: 29/01/2020 Type: Articles Topic: International | Enforcement | Finances |
Author: Anthony Riem, Rachel Turner & Caitlin Foster - PCB Litigation

The Family Court has demonstrated a willingness to assist a party to enforce a financial remedy order by allowing use of confidential documents where there is evidence of deliberate attempts by the respondent to frustrate English court’s orders, and where there is no evidence that the applicant acted unlawfully in accessing confidential materials.

Child abduction—use of the 1996 Hague Convention as opposed to the inherent jurisdiction (Re I-L (children) (1996 Hague Child Protection Convention—inherent jurisdiction)

Date: 25/01/2020 Type: Articles Topic: International | Children |
Author: Eleri Jones - 1GC Family Law

In Re I-L (children) the Court of Appeal allowed the father’s appeal and held that where the 1996 Hague Convention applies between two countries, if a 1980 Hague Convention application is made and is not successful, the applicable jurisdictional provisions are those of the 1996 Hague Convention, particularly Art 11, and the inherent jurisdiction is not available to use. Eleri Jones, barrister at 1GC Family Law, who represented the appellant father, considers the implications.

Using Arbitration to settle Family Disputes – less Hollywood, more Privacy

Date: 24/01/2020 Type: Articles Topic: ADR | Finances |
Author: Abby Buckland - Kingsley Napley LLP

Paul Hollywood is a highly public judge on one of Television’s most popular shows, with over 6 million viewers watching him and his taste buds push Great British Bake Off contestants to tears, frustration and occasional joy but when it comes to his divorce, he and his wife of over 20 years have chosen for their financial arrangements to be adjudicated in private.

Divorces, Death and dealing with the Deceased Estate

Date: 09/01/2020 Type: Articles Topic: International | Finances |
Author: Michael Leeds & Hannah Davie - Grant Thornton UK LLP

Boris Berezovsky was born in January 1946. He was a Russian business Oligarch, government official and mathematician. Berezovsky was politically opposed to the President of Russia, Vladimir Putin...

Cryptoassets and Divorcing a ‘Cryptoqueen’: Part l - Identification, Valuation and Preservation

Date: 07/01/2020 Type: Articles Topic: Finances |
Author: Cady Pearce and Liam Hurren - Kingsley Napley LLP

In just ten years, cryptoassets have become a £100 billion industry. We now face the alarming prospect that millions of pounds can be hidden behind a few lines of computer code without ever touching a bank account. If your soon-to-be ex-partner has made a fortune with Bitcoin, how do you get a share?

Gender identity and UK family law: Reform is needed

Date: 06/01/2020 Type: Articles Topic: Children | Modern Family |
Author: Joanna Lazarus and Freya McMurray - Withers LLP

Over the last 50 years we have seen the dynamic response of the law in England and Wales to developments to modern families such as adoption, IVF, surrogacy, civil partnerships and same sex marriage. It is therefore disappointing that further, much needed and planned legislative reform in the sphere of family law with the Divorce, Dissolution and Separation Bill (introducing No fault Divorce) and the Domestic Abuse Bill (increasing the protection for victims of domestic abuse) has fallen away due to the election

60 Seconds with Bill Hewlett

Date: 06/01/2020 Type: 60 seconds with Topic: Client Perspective |
Author: Bill Hewlett

Bill Hewlett is pioneering a new approach to divorce and separation. We caught up with him prior to Bill speaking at our inaugural conference

60 Seconds with Nick Holland

Date: 06/01/2020 Type: 60 seconds with Topic: Finances |
Author: Nick Holland

Given the increasing focus on HNW divorce litigation and the prevalence these cases can get from the media, we caught up with Nick Holland from McDermott Will & Emery to get his different perspective on divorce litigation. 

60 Seconds with Laura Rosefield

Date: 06/01/2020 Type: 60 seconds with Topic: Client Perspective |
Author: Laura Rosefield

Prior to speaking at our inaugural conference we caught up with Laura Rosefield, one of the leading Divorce consultants 

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For enquires about submitting content please contact Paul on 020 7101 4155 or email paul@thoughtleaders4.com