Welcome to 'Caroline's Club'. You will hear first-hand discussions from a wide network of experts and respected specialists on how to protect and preserve the wealth of the world's rich and famous. Interviews are led by Caroline Garnham, CEO of GFOS, a lawyer and tax specialist with decades of experience in guiding UHNW families to the solution which best suits them and their family.
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Interpreting Complex Finance Across Cultures, Charters and Listed Reporting. Beulah Van Wyk
In episode 65, I talk to Beulah Van Wyk, an accountant and former finance director/manager who now helps stakeholders troubleshoot, interpret and resolve complex financial situations. Beulah shares how she moved into accountancy in South Africa, her interest in the legal side of finance, and how M&A experience shapes decision-making because in-house teams must "live with" reporting and value consequences.
Listeners learn practical lessons on balancing management information with listed-company reporting demands, managing systems implementations under pressure, and keeping operations moving while maintaining controls. Beulah explains a real structuring challenge where government empowerment and local ownership requirements conflicted with an integrated plant that couldn't be physically split, requiring contractual, transfer-pricing and asset-boundary solutions over 18 months. She also describes turning around a fragmented multi-country African operation by centralising procurement, enforcing cash controls, and building cooperation across cultures. The episode highlights the value of "interpreting" between finance teams and non-financial leaders.
CONNECT WITH CAROLINE:
Our club newsletter (https://carolinegarnham.substack.com/) gives you real-life stories and examples of how our club professionals can guide you on 'How to Keep Your Money'
Caroline's Club (https://www.carolines.club/)
LinkedIn (https://www.linkedin.com/in/carolinegarnham/)
caroline@carolines.club
17 Feb 2026
Wealth Management, Client Trust & Multi-Bank Solutions. Iskra Martin of Azura Partners
In episode 64, I talk to Iskra Martin, partner at Azura in Geneva, who has over two decades in Swiss private banking and investment management and won the 2026 WealthBriefing Switzerland award for Women in Wealth Management (individual contribution). Iskra explains what she does day-to-day: onboarding and servicing clients across multiple banks, building KYC and provenance-of-funds roadmaps, restructuring wealth journeys, and designing portfolios aligned to risk and return expectations with investment advisors.
She describes how independence increases efficiency and flexibility, enabling faster decisions and tailored solutions such as sourcing mortgages in the right jurisdiction when one bank cannot help. The discussion covers building multi-generational trust, navigating strict cross-border regulation, and how Swiss banking has changed with heavier onboarding and reduced privacy while remaining a stable, high-quality platform.
CONNECT WITH ISKRA:
Azura Partners (https://www.azura.com/home)
CONNECT WITH CAROLINE:
Our club newsletter (https://carolinegarnham.substack.com/) gives you real-life stories and examples of how our club professionals can guide you on 'How to Keep Your Money'
Caroline's Club (https://www.carolines.club/)
LinkedIn (https://www.linkedin.com/in/carolinegarnham/)
caroline@carolines.club
16 Dec 2025
Building a Multi-Disciplinary Practice. Dr. Jacqueline Champagne: Nine Psychology
In episode 63, Caroline is joined by Dr. Jacqueline Champagne, who holds a doctorate in clinical psychology, and is a member of the British Association for Behavioural and Cognitive Psychologists. Although Jacqui has worked for many years in the Central North West NHS Foundation Trust she has recently set up her own private practice, Nine Psychology in which she plans to build a multi disciplined practice to meet the varied needs of her patients.
CONNECT WITH JACQUELINE:
Counselling Directory
LinkedIn (https://www.linkedin.com/in/dr-jacqueline-c-4832a394/)
CONNECT WITH CAROLINE:
Our club newsletter (https://carolinegarnham.substack.com/) gives you real-life stories and examples of how our club professionals can guide you on 'How to Keep Your Money'
Caroline's Club (https://www.carolines.club/)
LinkedIn (https://www.linkedin.com/in/carolinegarnham/)
caroline@carolines.club
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