SKYLOUNGE_WINTER_EDITION 2020

Spain In association with 151

5min with Belén Cepero 1. Your company is one of the most trusted law firms Belén Cepero - Founder & Managing Partner on the Costa del Sol, please tell us a bit more and Premier Law what makes you so special? 3. What support do you offer international HNWIs to Premier Law is a Marbella law firm that specializes in meet the requirements of direct investments in so real estate, taxation, corporate and inheritance called non-residential real estate, and how do you matters. We have been working hard for over 25 deal with cross border/multijurisdictional matters for years now to get to where we are today and we have your clients? an amazing team of professionals, from both Spanish and English-native lawyers to our own in-house Investing in Spanish real estate is always a good idea, accountant. We owe our success to our clients though. but even more so now that the Spanish Golden Visa is Without them, we would not be able to do what we becoming so popular. You get so much more for your love every day. Over the years we have built up a money in Spain than you would in other countries, as large number of fantastic clients from all over the well as an amazing lifestyle and Mediterranean world - in fact, 95% of our clients are from another climate. When buying a property in Spain we strongly country. However, names are more important than recommend you have a lawyer assist you throughout numbers at Premier Law and this is why our clients the process to make sure everything runs smoothly, come back to us time and time again. Trust is not built especially if Spanish is not your native language. in a day, it takes time, patience and dedication: from Before letting you sign anything we will always carry the first meeting with a client we make it our top out a due diligence list with the utmost care to make priority that they feel at ease and looked after. Our sure all the paperwork is in order and you know team works hard on a daily basis to provide our exactly what your money is being spent on, whilst clients with the best possible service from start to keeping you updated every step of the way. finish and every second in between. Something else that now makes us stand out is that we have our own When working on any international legal matter it is real estate agency, created with our Golden Visa key to have good communication with their foreign clients in mind. Whitefield can help you find the advisors. Our jurisdiction is of course Spain, and perfect property that will be more than just the although we do our best to keep up with the ever- investment needed to qualify for the Visa: it will be changing international treaties and laws it is so your new favorite place to be. important to have a local advisor in the other country who is an expert within that jurisdiction. By working 2. How has been your experience with clients from the together, we make sure nothing gets lost in Middle East, in particular from the GCC? translation and by doing this the end result it always an extremely satisfied client. Being resident in Dubai for a few years now has opened many doors for me. When I first arrived I made every effort to understand the world-famous culture and lifestyle and immediately fell in love with the city and its locals. Working with clients from the Middle East is a privilege. They are some of the most professional, helpful and friendly people I have ever known and are a joy to work with. They are particularly fond of Marbella and the lifestyle here, maybe because it is so international and versatile.

4. Spain is still a magnet for wealthy HNWIs, the People are being forced to trust the internet and Spanish Golden Visa certainly offers a nice incentive virtual, online communication and transactions now too – wouldn’t you agree? more than ever and it is important to us that we encourage this. As soon as everything is under control Definitely. The Spanish Golden Visa becomes more and international travel is safe and possible once and more popular every year, and why wouldn’t it? again, we will be attending real estate fairs and Spain and the Costa del Sol in particular is an amazing events, especially in Dubai. This city holds a special place to live, and not only does it boast some of the place in my heart, as I said before I have been a most fabulous luxury homes in the world, but the resident there for a number of years now and in this lifestyle is like no other. We have everything from golf time have attended a number of events as a visitor – courses and sandy Mediterranean beaches to they are fantastic opportunities to meet people. charming white villages hidden amongst beautiful mountain ranges and bustling towns, not to mention 6. Finally: What’s the best piece of advice given to Málaga which is easily one of the most beautiful cities you? in the world. The reason that the Spanish Golden Visa is so popular nowadays is because of its simplicity – To listen and be humble. A client who truly feels like the application is incredibly straight-forward and fast- their lawyer is listening to them and on their level is a tracked, and all you need to do is invest over €500,000 happy client. We really are so grateful for our clients, in Spanish real estate. Once you have the Visa, provided you spend just a week a year in Spain and Belen, we thank you for the interview. maintain your real estate investment it’s yours for as long as you want it. You will have complete freedom of movement throughout the Schengen area and it even covers spouses and children, so if you are looking to relocate to sunny Spain you will have no Visa- related hassle doing so. We created Whitefield to make the Visa process even easier for investors – not only can we help you deal with the application through our law firm, but through Whitefield we can find you the perfect Golden Visa investment property. Not many businesses like ours can say this, but we really do offer the full Spanish Golden Visa package from start to finish. 5. What is your strategy within the next 3-4 years to attract more Arabian UHNWIs from the GCC ? Our plan is to put ourselves out there as much as possible, mainly by attending international real estate and investment events. Unfortunately this won’t be possible this year, so we are trying our hardest to make our online presence the best there is.

SKYLOUNGE Portrait Premier Law More than 25 years offering first class services to our international clients in Marbella and Costa del Sol. ‫ عا ًما في تقديم خدمات من الدرجة‬25 ‫أكثر من‬ .‫الأولى لعملائنا الدوليين في ماربيا وكوستا ديل سول‬ Premier Law was founded by Belén Cepero in the Southern Spanish city of Málaga in 1993 and has been based in sunny Marbella on the Costa del Sol since 1995. Since then, our team has been offering expert legal advice on matters involving Real Estate, Company, Tax, Inheritance and Family law. The philosophy of our firm is based on three fundamental pillars: integrity, commitment and professionalism. Thanks to these three values and our highly-skilled team, we provide our international clientele with exceptional services on a daily basis. As a result, in 2005 Premier Law was presented with the ISO 9001 quality certificate, and has recently won the prestigious 2020 Global Law Experts “Boutique Property Law Firm of the Year” award. Málaga, Marbella and the Costa del Sol in general have been a popular location for foreigners looking to relocate for some years now. Not only is this sunny Southern coastline of Spain an ideal place to live, but many companies are now choosing to set up their international headquarters here. Premier Law has a multilingual team of legal professionals with extensive experience in dealing with overseas clients, meaning whether your native language is English, French, Russian or any other we will accommodate this. We pride ourselves on offering a service tailored to each individual client from start to finish, and in return have built up a vast number of extremely loyal clients. Teamwork and attention to detail are essential parts of our job and we always strive to dedicate as much time as needed to each individual case. In other words, if you´re looking for one of the most trusted Law Firms on the Costa del Sol, Premier Law is your best choice. Contact us for more information on our services and let us help you get the most out of our beautiful country! Premier Law Marbella T. +34 (0) 952 76 44 83 Sheikh Zayed Road T. +971 (0) 5635 888 33 Urb. Carolina Park, Edif. Aries Email: [email protected] Saeed Tower II Email: [email protected] Of. 40, 29602 Marbella - Spain www.premierlaw.net 402 Dubai - UAE

Practice Area Real Estate Spanish Golden Visa Property Administration Floor Clauses Taxation & Accounting Wills & Inheritance Companies & Corporate Law Family Law

Real Estate ‫العقارات‬ We provide a wide range of property investment services for both companies and individual clients, including acquisitions, disposals, rentals, institutional funding, arrangements, joint ventures, funds, partnerships and mortgages. Our team assists clients that want to sell their properties throughout the process, making sure they don’t miss a step and are aware of any and all tax laws and expenses that may arise. For clients interested in renting out their property short or long-term, Premier Law offers a Property Administration Services package, where we handle everything from utility bills to rental agreement contracts. Are you thinking of buying a property in Spain? We offer you our assistance in making all the arrangements related to the purchase or sale of a property, as well as the legalization of any property that does not have a First Occupation License. For any Real Estate related issues you need help with, please do not hesitate to contact our specialized team of professionals!

Spanish Golden Visa ‫تأشيرة إسبانيا‬ In December 2013, the Spanish government ❑ The documents linked to the application of the Golden introduced a new law that facilitates the residence of Visa must be presented at the consulate of Spain in the foreign entrepreneurs and investors in Spain. country of origin of the applicant, either personally or through a Power of Attorney. It is a relatively fast A family or person from a non-EU country can easily process, as once the application has been filed the obtain a Spanish residency Visa through the purchase of authorities have a period of 20 days to process it. a property worth a minimum of 500,000€ in Spain, meaning they will be able to legally reside here and The applicant must also meet a series of more specific move freely throughout the 26 Schengen visa area requirements, such as proving the intention or countries. acquisition of the properties, which can be demonstrated through the presentation of a previous contract that The Golden Visa allows residence in Spain for a period of ensures the purchase (for example, a pre-sale deposit one year without the need to apply for the Foreigner contract). Identification Card (TIE). The period of this permit can be extended if the holder of the authorization keeps the In any case, the interested party must prove that he has investment made, and can also request a visa for their or will make an investment in goods of value equal to or partner and children, provided that the children are greater than € 500,000 free of liens or encumbrances. economically dependent on the holder of the permit. They also have the option to invest one million euros into Spanish company shares or deposit this amount into In order to apply for the Golden Visa, the investor must a Spanish bank account, or alternatively the could invest meet the following basic requirements: two million euros into Spanish Treasury bonds or debt. One last qualifying move is to establish a Spanish ❑ Be over 18 years of age business that either creates a decent amount of ❑ Have a public or private health insurance (with a Health employment for Spaniards or has a significant socio- Insurance Institution authorized to operate in Spain) economic impact in Spain. ❑ No criminal record in Spain or any country lived in during the last 5 years for offenses stipulated under Spanish At Premier Law we have extensive experience in Law processing this type of Visa. If you want to move to a ❑ Not be listed as objectionable in the territorial space of European country that is considered one of the best in countries with which Spain has signed an agreement in terms of quality of life, feel free to contact our office so this regard. we can offer you the necessary advice to proceed with ❑ Pay the fee for the processing of the visa. the application of your Golden Visa. ❑ Have sufficient financial resources for themselves and dependent family members for the duration of their stay in Spain.

Property Administration ‫إدارة الممتلكات‬ Designed for non-resident property owners in Spain in mind, we offer an exceptional package of multi-administrative services for your home by keeping all the invoices, bills, taxes and rest of payments in good order and up-to-date. We have been providing this service to our international and national clientele for many years now, with very satisfactory results. No need for water, electricity or any other utility service in your property to be cut off in your absence, nor headaches and stress if you have an unexpected leak or have to make a time- sensitive formal claim to an insurance company. Additionally, should you decide to sell or rent your property you will find that everything is in perfect order in an electronic and paper proper file for your convenience. We organize all your documents, bills, invoices and taxes and send you monthly and quarterly summaries to keep you informed. We double-check all the payments made through your bank and take action for incorrect or exceeding amounts, and our breakdown of all your annual costs at the end of every year will help you stress less when it comes to organizing your finances. The Premier Law Property Administration Services package includes: ❑ Management of your accounts ❑ Non-resident tax returns ❑ Payment of all bills and taxes ❑ Insurance with the best companies at the best rate ❑ A monthly, quarterly and annual breakdown of all your costs ❑ Filing services ❑ And much more!

Floor Clauses “ ‫“ كلاوسولا سيلو‬ The infamous Spanish “Floor Clause”, also known as Cláusula Suelo, is a clause found in mortgage contracts that puts a cap on the minimum interest of a variable mortgage taken from a bank. A Floor Clause can be identified when the sum of the reference index plus the differential does not reach the total established value. Before and during the Spanish crisis of the early 2000’s, many of the variable mortgages that were granted had a floor clause incorporated into the contract, meaning the interest rates rarely fell below 3%. As a result, when the Euribor (the most commonly used reference index) began to fall, many mortgaged people were applied a minimum rate that made them pay more money than they would legally have to pay if there was no such “floor” cap. Many floor clauses were incorporated by the banks into mortgage contracts using a lack of transparency and unclear stipulations, meaning the clients were not informed correctly of the consequences of what they were signing. However, once the general public was made aware of the existence of the Cláusula Suelo lawsuits began to appear all over the country. Thus, in May 2013 the Supreme Court declared null and void any Floor Clauses incorporated in mortgage contracts by way of “lack of transparent” information. Subsequently, the Court of Justice of the European Union established that those affected can recover all money that had been overpaid since the floor clause was first applied. We advise that all clients who know or suspect they signed a floor clause, contact a lawyer specialized in this subject to request advice. At Premier Law we are specialized in banking law, so feel free to contact us to find out if you have a potential claim.

Taxation & Accounting ‫الضرائب والمحاسبة‬ At Premier Law we offer advice on Spanish taxation laws for clients whether residents or non residents in Spain, in addition to specialist tax planning tailored to the client. Our economist is one of the fundamental pillars of our law firm, as apart from being responsible for tax and fiscal matters she also offers general support to our firm and keeps everything in perfect financial shape. She works hard to maximize the tax profitability of national and international operations, always informing clients of any changes that may occur in the Law and making sure they comply with all regulations. If you are having difficulties understanding what taxes you do and don’t need to pay in Spain or just need some general assistance, please feel free to contact us and we’ll get back to you as soon as possible.

Will & Inheritance ‫الإرادة والميراث‬ Aside from advising on all legal options that exist for a non- resident buyer or owner of a Spanish property, we fill them in on the best ways to minimize expenses and taxes linked to the preparation and execution of a Spanish will. ¨Planning for the future is like playing chess. You need a clear strategy and understanding of how one decision can potentially impact on another.¨ Let us help you draft and legalize your Spanish will to protect your assets in Spain.





Corporate Services ‫خدمات للشركات‬ The Premier Law team has 25+ years’ experience in company law and can assist with any corporate-related matter, from establishing a Spanish company to liquidating an already existing one and everything in between. The Spanish law on Capital Companies establishes the procedure to be followed for the incorporation of companies. Specifically, it states that capital companies are constituted: ❑ By contract between two or more people. ❑ In the case of unipersonal companies, by unilateral act. ❑ In the case of corporations, they may also do so successively by public subscription of shares. It is important to note that the incorporation of capital companies will require a public deed, which must be registered at the Commercial Register. The process of setting up a company in Spain can be very complex, especially with a possible language barrier. Our team strongly recommends that you find a reliable local lawyer who is an expert in the incorporation of companies. We have vast knowledge and experience in this area of the law so if you need advice or you would like us to assist you in any way, please feel free to contact us.

Family Law ‫قانون العائلة‬ Family law regulates any and all personal and financial relationships involving family members. The three main areas where conflicts can potentially arise are: Marriage: including celebration of nuptials, the economic and personal responsibilities that arise from this (such as matrimonial economic regimes) and possible separation, divorce or annulment. Parenthood: encompasses both marital and extramarital filiation as well as adoption. Guardianship: involving the custody of minor or disabled persons and visitation rights, always keeping in mind the best interests of the vulnerable parties. If you have any issues or general questions relating to family law, please contact our team and we will help you in any way we can

Over 27 Year’s Experience Spain with Confidence

Whitefield is a new real estate agency created with Spanish Golden Visa investors in mind. When planning an international real estate event, we realized that we could make things even easier for investors interested in this Visa: as well as assisting them with their application through our law firm, we can now also find them the perfect investment property. Whether you are interested in purchasing a first or second home or just a rental property, Whitefield has something for every kind of investor. Almost all of our amazing properties meet the €500,000 minimum investment requirement, and the few that don’t are still some of the most luxurious new builds in the area and are perfect if you are looking to make the minimum investment by acquiring multiple properties. Looking to apply for your Spanish Golden Visa and buy a qualifying property, but don’t know where to start? Let us do everything for you, we are lawyers and real estate brokers all-in-one. We are API-RERA registered agents. What does this mean? The Spanish real estate market is in need of absolute transparency and maximum legal certainty, even more so when the main objective of the real estate sector is to provide housing, a basic necessity that has an essential social function attributed constitutionally. The intervention of an API as an accredited professional guarantees a secure real estate transaction from start to finish. A real estate process or investment requires professional support to avoid the risk of erroneous contracts, fraud or contractual breaches. The Real Estate Agent is recognized before the Spanish API Administration as a legally qualified professional, which will ensure any and all clients of an API agent will feel safe and secure throughout the entire professional relationship, as this accreditation was created to defend the interests of all parties involved in a real estate transaction. In short, the API agent has extensive knowledge of the real estate market available to consumers.

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Stunning villa in La Zagaleta Standing on the largest plot in Marbella’s exclusive La Zagaleta residential area, this home has been designed to provide its owner with the utmost privacy, security and serenity. With views of the Mediterranean Sea and Gibraltar, indoor and outdoor swimming pools, a Turkish bath, wellness center, fully-equipped gym and inside golf simulator as well as the La Zagaleta golf course just minutes away you will be forever entertained as the owner of this fabulous villa. 9 bedrooms 9 bathrooms Built size: 3000m2, Plot size: 3000m2





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Boutique development of 49 luxury apartments in Marbella’s Golden Mile This is a boutique development consisting of just 49 luxury apartments, perched on a mountain top above Marbella, The Golden Mile and Puerto Banus. 2, 3 and 4 bedroom spacious apartments, unique and special for every individual owner. Get ready for an unmatched level of luxury, style and exclusiveness. Fantastic location A unique setting offering privacy, space and nature. Enjoy the panoramic views from your spacious terrace, observe the sunset, marvel at the beauty of the Mediterranean Sea and the surrounding mountains. Several access road leads to San Pedro, Puerto Banus, Nueva Andalucia and The Golden Mile within 5 minutes, avoiding heavy traffic. Concierge & 24 Hour security Our on-site security will ensure calmness and safety 24 hours a day, 365 days a year. Together with our exclusive full service concierge service, you can be certain that helpful staff is always available. Booking of dinners, concerts, events, car rental, private chef, cleaning, rental assistance – anything is available with one phone call! Luxurious facilities The owners will benefit from 3 outdoor pools, landscaped communal areas, sports area and fresh mountain air. When the weather is not suitable for outdoor activities, our indoor health club offers 25m indoor heated pool, Spa, Sauna, Turkish bath, Yoga area and 150 m² Gym equipped with high quality exercise machines. – 49 two, three and four bedroom units – only 21 remaining – Prices range from 799.000€ to 2.999.000€ – Built sizes from 122m2 to 286m2 with private garden and terraces





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Marbella’s finest avant-garde luxury house Marbella’s first avant-garde luxury house designed and built under Passive House regulations and standards. Just five minutes from the coast and ten minutes from Marbella, it is located in an exclusive gated community with breathtaking views and open spaces. Energy efficiency is the cornerstone of the Passive House concept and guarantees more than 75 % saving on energy costs compared to a standard build home, while also providing consistently fresh air throughout the house and structural longevity. Sustainability and sheer, unadulterated luxury are masterfully combined in this stunning villa. Aside from the quality designer furniture, fixtures, fittings and lighting offered separate from the villa price, the property offers an entertainment space that is truly out of this world. A cinema area, sports bar, games area with pool table, VIP seating areas, DJ booth, state-of-the-art golf simulator, fully equipped gym, wellness zone with treatment rooms, relaxation areas and a hairdressing salon. 5 bedrooms 6 bathrooms Built size: 1323m2, Plot size: 3500m2





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Monaco In association with 181



‫مقابلة مع أستاذ ايلينا بارانوفا‬ One-on-one with Prof. Dr Elena Baranova

5min with Prof. Dr Elena Baranova 1. Your Baranova Monaco®️ concept also known as Haute Couture Prevention®️ has made you a leader in personalized genomics, Anti-age medicine and health genomics - please tell us a bit more and what makes it so special ? This unique integrative approach, which I have developed Prof. Dr Elena Baranova during last 20 years of practice , represents in fact step by step activation of your own potential: from: People are emotionally sensitive and such values as honor, - DNA level through gene activity optimization – we respect, promise, love, traditions are very presented. It can start to have more forces, etc make you smiling, but it reminds me Russian culture. As you - it gives a particular “push” to PHYSICAL level (strong know, Russians are very “right brain” people and the notion anti-fatigue effect, weight regulation, sexual performance, of “Saul” is one of the key notions in our culture. Also, there etc), where we also introduce hormonal regulation; - is a particular respect for parents in the families of clients I activation of DNA and physical levels gives us have seen, and it’s always very pleasant to see. Regarding - MENTAL activation (mental level – memory the health problems in GCC: it concerns a lot hormonal improvement, high capability to work, attention/ regulation and chronic fatigue, often followed by weight concentration improvement), followed by related problems. I would like to highlight, that weight - EMOTIONAL activation (emotional level – the desires increase and obesity are always the consequence of the come back, anti-depressive effect, sexual and emotional life previously missed problems or diagnostics. improvement), which brings back the feeling that the life is beautiful. 3. Nowadays we hear also a lot about how to boost our All steps are accompanied by professional micronutrition immune system etc.; being in a fast paced world where and highly individual plans. Of course, advanced check-up everyone is constantly overloaded by information (email, should be performed before we create individual programs. social media, etc.), it can lead to “toxic” stress syndromes, However, as far as all our clients are very busy people how do you care for that kind of addiction ? coming form more then 20 countries, we perform all necessary tests in 24 – 36 h and advanced expert Indeed, there is sort of permanent misleading stimulated by consultation/ 1st step program setting. commercial interest, permanently spread by media, in particular through internet. The 21st century brought us 2. How has been your experience so far with patients from “chronic stress”. We are always ‘plug in” with the mobiles, the GCC region ? computers, etc. There are different ways to manage this: we have special anti-anxiety programs, which work very For me it is a very special and pleasant experience: I love the well and are included in integrative strategy according to family spirit, which is always present in Golf countries each case. We have also “informatic detox” approach, clients. Moreover, the “right brain” attitude, somehow the which we perform with the help of quantum therapy. culture of “heart” is also very pronounced: Talking about immune system, we should remember, that the key organs, responsible for healthy immunity are thyroid and adrenal glands. If their function is disturbed, any “magic pills” or even good products would never work. It’s like put oil in the car without engine. For our clients we perform advanced check-up and recommendations which allow to restore the global metabolic processes and different organs.

4. How long does an average treatment take and how Now we mostly deal with syndromes and not separate do you make sure your patients are not slipping back diseases. For example: previously we have had in their habits? diabetes type II, now we have metabolic syndrome, which includes insulin resistance, hypertension and We have different kind of programs. The most overweight, etc.. Moreover, we have a significant requested is our intensive 3 months program, when number of dramatic disorders related to ecology and we perform the advanced check-up + very detailed chronic stress. The bright example is leaky gut expert consultation during first 24 – 36 hrs and then syndrome, which is very frequent, but often not provide the person with appropriate individual plans treated. However, if we don’t treat it, the person has which are updated according to dynamics, etc. in each very low chances to regulate the weight successfully. particular case. 3 months is a specially chosen time: The list is very long. Nevertheless, it’s very important we can change and stabilize our gene expression to understand, that we treat THE PERSON, and not (activity) in the optimal way for 2 months; and we just the disease. And any machines or analyses can need 3 months to upload hormonal correction. never replace the specialist, communication and However, I would like to highlight, that the majority highly individual way we chose and apply to our of clients feel the improvement in 2 weeks or clients. sometimes earlier – according to each case. This improvement increases progressively during all 6. Finally: What’s the best piece of advice given to program and becomes stable after it. We also have you? the support recommendations once the program is done. It’s a very important step, which allows not The key advice I can give to our readers: TRANSFORM simply keep your optimal health level, but activate THE ENERGY OF YOUR GENES INTO THE ENERGY OF rejuvenation processes. YOUR LIFE! And it will be our pleasure to help you at Regarding the habits, the secret is: the person should this exiting journey. take please, when performing the recommendations. The other motivation is people start feeling much Professor Baranova, we thank you for the interview. better and want to keep it. I collect somehow the expressions and comments of my clients. I remember ‫البروفيسورة إيلينا بارانوفا‬ one very tired woman, who told me: “ I started to sing ‫هي خبيرة دولية في علم‬ in the mornings again”, and for me it was the best compliment. Or a very thick (not anymore) man of 58 .‫الجينوم ومكافحة الشيخوخة‬ years (young!), who told me: “you gave me the 2nd youth”, he has completely changed his private life after it, by the way. 5. How do you see the general medicine has changed compared to 20 years ago ? Compared to the 20th century, the medicine has dramatically changed due to genetics and finalization of Human Genome Project in 2003, also as due to amazing informatics development. However, the 21st century brings us new health problems due to the huge increase of our “speed” of life and chronic stress development. Professor Dr Elena Baranova, MD, PhD, HDR, is the founder of the Baranova Monaco® brand. She created Haute Couture Prevention®, the unique approach to personalized health, anti-ageing and beauty. Due to her professional success, Elena was invited to Monaco by the government. There, as an international expert in genomics and personalised prevention, Elena heads the EU Institute of Personalised Prevention and Health. She also conducts scientific and medical research in quantum genomics and is the author of several books dedicated to this field.

SKYLOUNGE Portrait Baranova Monaco BARANOVA MONACO®️ is a unique brand based on 25 years of international scientific, clinical and practical experience of Prof. Dr. Baranov Elena, the largest international leader in personalized genomics, Anti-age medicine and health genomics. The Baranova Monaco approach combines a variety of original personalized techniques, patents and know-how, and is also known as HAUTE COUTURE” PREVENTION®️. It includes: ▪ Personalized genomic and antiaging PROGRAMMES FOR LIFE®️ . ▪ Personalized epigenomic examination. ▪ Highly personalized health and disease prevention guidelines. ▪ The professional nutritional supplement line is REGENE PRODUCTS®️ . ▪ \"State of the art\" - highly personalized integrative counselling. Thanks to genomics, the BARANOVA MONACO®️ approach is very effective for personalized rejuvenation, antiaging, chronic stress and, in particular, various types of treatment for fatigue, including burnout syndrome. Personalized programs help achieve positive results 4-5 times faster and more efficiently than any other anti-age methods. Baranova Villa Bianca T. 00377 (0) 97 98 04 66 29 Rue du Portier Email: [email protected] Monaco 98000 www.baranovamonaco.com Principality of Monaco

Professor Elena Baranova is an international expert in genomics, anti-ageing and personalised prevention; She is also a EU Commission expert for: Genomics, Life Science and Biotechnology for Health & Personalised Medicine, President of EU Institute of Personalised Prevention and Health, Monaco; founder of the unique approach “HAUTE COUTURE” PREVENTION” for personalised health, anti-ageing and beauty. Her outstanding international career has been recognised at a very high level, including “The best scientific paper award” (World prize, Canada); “The woman of the year” (France). As a result of her professional achievements, she has been invited to work and live in Monaco. She is the author of different international publications, books, presentations and the ultimate leader in anti-ageing, genomics and modern personalised health approaches with more than 20 years of experience in this sophisticated field.

Interpretation of genetic findings Due to the existing difficulties and frequent misconceptions in the interpretation of genetic results for preventive purposes, namely: the selection of individual nutrition (nutrition), the prevention of the development of the most common diseases, anti- aging, etc., Professor Baranova launched a new service: Interpretation of genetic findings and highly personalized advice for clients who ALREADY HAVE GENETIC RESEARCH through any DNA company / service. We invite you to take advantage of highly professional tips on gene regulation, anti-aging, anti- fatigue, lifestyle recommendations, nutrition with micronutrient recommendations, and additional non-genetic testing for prevention and recovery. Consultations are available in: Almaty (Kazakhstan)“ online Monaco Moscow (Russia) Recapture your youth through personalized genetic science.

BARANOVAMONACO® is a unique brand in the field of personalised genomics, anti-ageing and health. It brings together the various original personalised techniques, patents and know-how of Prof. Baranova also as a professional line of food supplements – REGENE PRODUCTS®. Personalised capsules and a beautiful design lend the products an exceptionally elegant Monaco touch. “I would like to promote a totally new concept, where the intake of our products is associated with Pleasure, Beauty and Health each and every time a box is opened and a capsule is touched. Feel privileged, feel different, feel powerful - transform the energy of your genes into the energy of your life!” Professor Dr Elena Baranova.



Consultations Consulting on: genetics & nutrigenetics lifestyle, increase working capacity, reduce fatigue weight regulation anti-aging functional biology, interpretation of the results of biochemical and genetic analysis; individual prevention and prevention of diseases.

VIP Ultimate Program “ The program includes: genetic testing in health genomics (nutrigenomics, ecogenetics, cardiogenomics, anti- aging genomics, psychogenetics, cosmetogenomics, micronutrization) creation of an epigenomic examination with detailed recommendations This program is possible only at the bases of partner centers: - \"Clinic of Margarita Koroleva\" (Moscow); - \"DAO Clinic of Dr. Roganin\" (Moscow). Passage of this program is possible on the basis of our partner medical centers indicated above; some of the consultations can be carried out by phone. Transform the energy of your genes into the energy of your life!

Renaissance Intensive Integrative Program INTENSIVE RECOVERY AND / OR REJUVENATION INTEGRATIVE PROGRAM: 3 MONTHS This program, which is in great demand, is specially designed for active people who want to maintain or improve their brain and physical activity, working capacity and stamina, as well as cope with fatigue and restore their taste for life. The program has a pronounced anti-aging effect and includes aspects of hormonal regulation (stress hormones, sex hormones, etc.). The main principles of the program: gene regulation - activation and optimization of the work of genes, carried out according to the proprietary methods of Professor E. Baranova, as well as personalized hormonal regulation and micronutrium. Gene activation and regulation of hormonal processes leads to the optimization and restoration of multiple processes in the body, including cardiovascular health, liver, gastrointestinal tract, joints, glucose and insulin regulation, weight, sleep and libido restoration, and rejuvenation. If necessary, the program can be individually adapted and used only for the purpose of rejuvenation. The program includes: 2 large consultations (first consultation and consultation on the presentation of all the results; the average duration of each is 2 hours 30 minutes) genetic testing of the genomics of health (nutrigenomics, ecogenetics, cardiogenomics, genomics of anti-aging, psychogenetics, cosmetogenomics, micronutria) expert analysis of clinical, neurophysiological, biochemical and any other data; personalized hormonal regulation and micronutrization creation of an epigenomic examination with detailed recommendations creation of highly individual step-by-step recovery plans for 3 months, taking into account the seasons and your biorhythms individual coaching for 3 months.

Renaissance Intensive Ultimate Program MANDATORY INTENSIVE RECOVERY AND / OR REJUVENATION PROGRAM: 3 MONTHS This intensive program is very popular among patients, as it allows you to quickly achieve a significant improvement in well-being and normalization of metabolic processes. Unlike an intensive integrative program, this does not include genetics, and the main emphasis is on optimizing biochemical processes, hormonal regulation, optimizing the functioning of the immune system and much more - depending on individual characteristics and goals in each case. The program can be adapted to even the most intense lifestyle, which makes it especially attractive for active people with a large number of flights. The basic principles of the program: personalized hormonal regulation with the help of hormone precursors, bioidentical hormones, as well as individual micronutrients. The program is especially relevant for people over 35 years old, as well as for recovery after childbirth in women. The program is always adapted to individual characteristics and goals in each case. The program includes: 2 large consultations (first consultation and consultation on the presentation of all the results; the average duration of each is 2 hours and 30 minutes; if necessary, more) expert analysis of clinical, neurophysiological, biochemical and any other data personalized hormonal regulation and micronutrients creation of highly individual step-by-step recovery plans for 3 months, taking into account the seasons and your biorhythms individual coaching for 3 months.

Renaissance Exclusive Program BY PRE-RECORDING WITH PROFESSOR BARANOVA This unique author’s program by Professor Baranova combines highly individualized epigenomic and functional approaches, providing a strong effect against both fatigue and rejuvenation effects. The program always adapts to the individual characteristics and requirements of the patient. This advanced program includes: 2 large consultations (first consultation; consultation on presentation of all results; 2 consultations during intensive stages. Average duration of each: 2 h 30 min; if necessary - more) all additional intermediate consultations (Average duration of each: 30 minutes - 1 hour) genetic testing of the genomics of health (nutrigenomics, ecogenetics, cardiogenomics, genomics of anti-aging, psychogenetics, cosmetogenomics, micronutrients) expert analysis of clinical, neurophysiological, biochemical and any other data creation of an epigenomic examination with detailed recommendations creation of highly individual step-by-step recovery plans for 12 months, taking into account the seasons and your biorhythms (as a rule, 2 intensive stages and 2 reinforcing ones are carried out per year) individual coaching for 12 months additional non-genetic analysis of functional medicine and anti-aging medicine; possibility of direct communication 7 days a week by phone, skype and e-mail. *The number of places on this program is limited.

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