Wealth Management Service

Size: px
Start display at page:

Download "Wealth Management Service"

Transcription

1 Wealth Management Service

2 About AGL Wealth Management Ltd AGL Wealth Management Ltd is a firm of Independent Financial Advisors authorised and regulated by the Financial Conduct Authority. Our senior management team has been drawn from some of the UK s largest financial institutions within the Private Client and Corporate arena, with each senior manager having a minimum of over 20 years industry experience. We protect and enhance our clients wealth Our ethos is to devise and implement practical yet innovative wealth management and corporate solutions that are tailored to meet each of our clients specific needs. Our dedication in working with our clients towards their goals has created a powerful bond of trust and respect that is admired by our business partners and competitors. Our proven track record and high net worth industry experience provides our clients with unbiased answers and solutions tailored to their needs and situations. We believe that our commitment to learning and continual improvement is unparalleled in the industry. This environment has fostered decision making that energises and rewards us for doing work that is important to our community and vital to our clients. We have also attracted and retained the best people available. There can be no doubt that professional advice, received at the right time, can be of significant benefit to individuals and businesses. We offer our clients this advice in a fair and impartial manner, explaining in clear and simple terms what can be reasonably expected from any strategy or plan adopted. We then commit to a comprehensive on-going review service, designed to monitor the effectiveness of the strategy and to keep the client on track. We also work with other specialist advisors to ensure we provide a holistic wealth management and corporate proposition. 1

3 Our approach Most people already have an investment portfolio, which by definition, is a collection of assets that intends to make a profit. However, many people struggle to answer a simple question. Is their existing investment portfolio right for them? To help you answer this, it s worth considering these questions. Do you clearly understand your financial goals? know what level of risk you are willing and can afford to accept? know what your overall current asset allocation is? know what your ideal asset allocation is? understand the performance characteristics of each asset you hold? know why you are holding each asset? know the level of risk in your portfolio? currently take more risk than you have the capacity to accept? understand the risk of remaining in cash? know if your tax position is optimised? ensure your portfolio is regularly reviewed? As Financial Advisers with many years experience, these are just some of the questions we ask our clients. We deliver a wealth management service that embraces tried and tested steps to ensure your portfolio is right for you. This means you can feel confident we are giving your hard-earned savings the best chance of achieving your goals with the minimum risk you are willing to take. You can feel confident we are giving your hard-earned savings the best chance of achieving your goals. 2

4 The key steps to successful investing A Getting to know you - client engagement Before advising you, we get to know you. This involves asking questions to help us understand your aims and circumstances. From there, we will assess the financial resources you have set aside to achieve your goals. We will also ask you to complete a short questionnaire. Your answers will help us assess your willingness to take risk and capacity to accept it. We will then discuss the questionnaire with you to ensure you understand the possible investment returns you might expect. B Prioritising your goals strategy and planning We will help you prioritise your goals within an investment timeline featuring these durations: Short Term 6 to 24 months Medium Term 2 to 5 years Long Term 5 to 10 years and beyond With your investment timeline in place, we will help arrange your finances. We aim to optimise your ability to achieve your goals with the appropriate level of risk to your portfolio and future standard of living. C Investing your money - implementation Once your financial plan is in place, we will account for your attitude to risk and recommend the most suitable mix of assets to achieve your goals. This may involve a mixture of Cash, Bonds, Property and Equities, depending on your risk profile. Before recommending an overall approach that you are comfortable with, we will explain the merits of strategic and tactical asset allocation and active and passive strategies. Past performance is not necessarily a guide to the future. You may not get back the full amount of your investment. After agreeing the strategy, we will review your current investments, to ensure they are still suitable within your new risk-rated portfolio. We will then build a tailored investment portfolio for you and provide a clear picture of its expected performance over time. Naturally, we cannot guarantee these numbers. 3

5 D Optimising your tax position To optimise your returns, we will ensure your new portfolio takes advantage of all available tax allowances while making sure they do not compromise your financial plan. Where appropriate, we will access Individual Savings Accounts (ISAs), pensions, onshore and offshore bond tax structures, and a general investment account to optimise your annual capital gains tax allowances. We may also recommend trusts, and various tax-efficient contracts to manage inheritance tax liabilities and help distribute your wealth. Trusts and tax planning are not regulated by the Financial Conduct Authority. E Keeping your portfolio current on-going service Your portfolio is only current at the date we create it. World markets move by the second, economic climates change and fund managers come and go. This means your investment portfolio can quickly deviate from your expected level of risk and be less able to achieve your goals. That s why our wealth management service s review process is so vital. Review your asset allocation To ensure your portfolio matches your agreed level of risk and is on target to achieve the expected returns for reaching each goal, we regularly rebalance your asset allocation. So you can rest assured your portfolio is never exposed to excessive risk that will increase the potential for short-term losses. Equally, you can relax knowing your portfolio will not be overly cautious, reducing your potential for growth and jeopardising its aim of achieving your goals. Every quarter, we will review your investment portfolio. Where necessary, we will adjust the portfolio to ensure your investments provide optimum returns and remain financially stable. Review your goals Every quarter, we will offer you the opportunity to meet and review the performance of your portfolio and discuss any changes in your life. We will ensure your goals remain current and, if necessary, adjust your investment timeline. We will also review your attitude and capacity for risk. Where appropriate, we will adjust your portfolio and range of tax wrappers. This will ensure your portfolio remains optimised towards achieving your financial goals and objectives. Review your investments As economic climates, markets and fund management groups change, you must make sure your investments remain appropriate for your portfolio. 4

6 It s your future Everyone has goals they would like to achieve in their lives. So why do so many people leave pursuing their dreams to chance? Many of us spend little time planning our futures. Regularly putting money aside is a good place to start. But understanding how much money you must save and the risk you need to take with your hard-earned savings is more difficult. That s why our wealth management service is about more than helping you invest your money. It s about creating an on-going financial plan backed by the right investment portfolio. Our aim? To ensure you are not left on the sidelines while others around you fulfil their dreams. Many of us spend little time planning our futures. 5

7 Dedicate investment management At AGL Wealth Management Ltd, we are passionate about helping you achieve your financial goals. We will work closely with you to understand your short, medium and long-term ambitions, and your attitude to risk. We form lasting relationships with every client and will ensure you benefit from a regularly reviewed and tailored financial plan. We also believe in the importance of sound investment management decisions and placing a carefully constructed strategy at the heart of your plans. To ensure you benefit from on-going, professional management, we have carefully selected a number of independent investment managers to provide you with custody, investment and administration services. Our wealth management service provides outsourced sophisticated investment management that can be tailored across a full range of risk grades, reflected your attitude to risk and goals. The AGL service allows you to hold your savings and investments in various tax-efficient structures, with a single overarching strategy across all your portfolios. Not only will you gain an excellent investment proposition at the centre of your financial plan; you will also benefit from: Administration Quarterly portfolio valuations Annual reports on acquisitions and deposits Reduced paperwork, if requested Transparent fees and charges. Investment Dedicated discretionary or advisory management to support your personal strategy Portfolios tailored to your attitude to risk Continual oversight of performance and regular analysis of returns Access to a full range of tax advantaged wrappers. Our Wealth Management Service provides outsourced sophisticated investment management that can be tailored across a full range of risk grades. Custody Safeguarding you investments efficiently in a single location Simple accounting for all income from your investments Consolidated Tax Vouchers every year. 6

8 The power of a dedicated investment service Your dedicated investment service involves managing your portfolio daily in line with the investment objectives and strategy you agreed with us. As your Financial Advisor, we will work with you to determine the appropriate level of risk for your investments. This will account for your financial circumstances, objectives, attitude to risk and requirements for income. Next, we will instruct independent investment managers to manage your portfolio under a Discretionary Management Agreement or within our firm s advisory capacity in line with our recommendations. Your dedicated investment service creates a single strategy across your investment portfolio. You can view all your investments in one place, including such holdings as Individual Savings Accounts (ISAs), personal pensions and more. This will significantly reduce the amount of paperwork you receive, replacing everything with a single periodic valuation. If relevant, at the end of each tax year, you will receive a consolidated tax voucher and capital gains tax report, making it easier to complete your tax returns. You can also view your portfolios, including transactions, at any time on a secure website. Your dedicated investment service creates a single strategy across your investment portfolio. How is your money invested? Depending on your risk profile your investment portfolio may comprise a range of investments, such as Government or Corporate Bonds (fixed interest securities); UK and Overseas Equities; Property; or holdings in the Emerging Markets. Whatever the portfolio s investment strategy, every investment solutions is thoroughly researched and selected based on its potential to deliver consistent risk-adjusted returns. 7

9 Robust monitoring It is vital you have complete confidence in the managers appointment to run your investment solutions. That s why AGL s Investment Oversight Committee (IOC) supervises every portfolio. The IOC scrutinises all discretionary and advisory solutions available through our independent investment managers. The IOC: validates new portfolio structures appoints new investment managers reviews risk profiles and asset allocation structures reviews performance and fund compliance. The IOC is not involved in selected investments or allocated assets for discretionary management solutions. This is the responsibility of the individual investment managers investment team. Its role is to confirm an investment philosophy is robust, properly executed and right for clients. Securing your investments AGL Wealth Management Ltd completes annual due diligence of its investment management service and gains a full understanding of how each investment management company holds your money. Segregation of client money and assets The investment managers will keep your money and assets separate from its own assets and cash. Under UK regulation, all client money is held on statutory trust in segregated client bank accounts. The investment managers only use banks that they performed appropriate due diligence on. These banks have acknowledged that they cannot use client money to offset other liabilities or claims due to the bank. Client investments are registered to the name of a separate nominee company to distinguish ownership from the assets of the individual investment manager. In the unlikely event of their administration or insolvency, your assets would not be available to a liquidator or administrator. 8

10 Next steps As a wealth management client of ours, you will not only understand your financial ambitions over the coming years. You will also receive a constantly reviewed and professional financial plan designed to help you achieve them. With AGL Wealth Management Ltd you will always: have clear financial goals presented on an investment timeline understand the risk you are willing and able to accept have a portfolio invested in line with your bespoke risk mandate that takes the minimum level of risk required to achieve your goals understand the adopted investment strategy know your portfolio is as tax-efficient as possible only pay fees that are clear and crucial to the success of your strategy understand how your investments are performing against your goals have access to portfolio valuations at the touch of a button. To find out more about becoming a wealth management client and securing the right investment portfolio, please contact us on: T (Glasgow Office) T (Edinburgh Office) E. W. 9

11

12 Glasgow Office AGL Wealth Management Ltd 69 Buchanan Street Glasgow G1 3HL T: F: E: W: Edinburgh Office AGL Wealth Management Ltd 23 Melville Street Edinburgh EH3 7PE T: F: E: AGL Wealth Management Ltd is registered in England & Wales no AGL Wealth Management Ltd is authorised and regulated by the Financial Conduct Authority no

Nexus IFA and Parmenion Working together

Nexus IFA and Parmenion Working together Nexus IFA and Parmenion Working together About Nexus IFA. Nexus IFA are a privately owned firm of independent financial advisers providing reassurance to clients that they can rely on the total independence

More information

Intelligent Investing. Parmenion and your Adviser

Intelligent Investing. Parmenion and your Adviser Intelligent Investing Parmenion and your Adviser What is Parmenion? Parmenion is an award-winning independent and privately-owned investment and technology company, backed by industry leading experts.

More information

Wealth management Guide for financial advisers

Wealth management Guide for financial advisers Wealth management Guide for financial advisers Wealth management 1 Contents 01 Welcome to Standard Life Wealth 03 Why choose Standard Life Wealth to work with? 04 How we aim to meet your clients financial

More information

PORTFOLIO MANAGEMENT SERVICE

PORTFOLIO MANAGEMENT SERVICE FOR PROFESSIONAL ADVISERS PORTFOLIO MANAGEMENT SERVICE a well established owner-managed business committed to innovation to benefit our customers AN ESTABLISHED SERVICE YOU CAN TRUST When you entrust your

More information

Financial planning. A bespoke plan for your future

Financial planning. A bespoke plan for your future Financial planning A bespoke plan for your future ABOUT US Tilney Bestinvest is a leading investment and financial planning firm that builds on a heritage of more than 150 years. We look after more than

More information

WHERE EXPERIENCE COUNTS

WHERE EXPERIENCE COUNTS Investment Services Guide Retail & Corporate Stockbrokers WHERE EXPERIENCE COUNTS Our Advisory Investment Services are designed specifically for investors seeking specialist expertise and advice on investments

More information

Wealth Management. Guiding private client investment strategies. Wealth management as it should be

Wealth Management. Guiding private client investment strategies. Wealth management as it should be Wealth Management Guiding private client investment strategies Wealth management as it should be Managing private client wealth for over a century At Smith & Williamson Investment Management, our focus

More information

OUR SERVICES. private clients. CityAsset MANAGEMENT PLC

OUR SERVICES. private clients. CityAsset MANAGEMENT PLC CityAsset MANAGEMENT PLC OUR SERVICES private clients The value of investments and the income arising from them, can go down as well as up, and is not guaranteed, which means that you may not get back

More information

Private Client Services. Your World. Our Guidance

Private Client Services. Your World. Our Guidance Private Client Services Your World Our Guidance Canaccord Genuity Wealth Management is an award winning wealth manager committed to providing investors with a broad array of investment opportunities.

More information

COMPANY OVERVIEW. Company Overview - 1

COMPANY OVERVIEW. Company Overview - 1 COMPANY OVERVIEW Company Overview - 1 The Rowan Tree The European Rowan tree (Sorbus aucuparia) has a long tradition in European mythology and folklore. It was thought to be a magical tree and give protection

More information

Our Investment Proposition

Our Investment Proposition Suite A, Lancaster House Imperial Financial Planning Grange Business Park Our Investment Proposition This document explains the defined investment strategy that we use with our clients. Our investment

More information

UNDERSTANDING YOUR INVESTMENT PORTFOLIO A GUIDE FOR OUR MANAGED PORTFOLIO SERVICE

UNDERSTANDING YOUR INVESTMENT PORTFOLIO A GUIDE FOR OUR MANAGED PORTFOLIO SERVICE UNDERSTANDING YOUR INVESTMENT PORTFOLIO A GUIDE FOR OUR MANAGED PORTFOLIO SERVICE CONTENTS Our Approach to Building Your Portfolio 03 Getting Started 03 Investment Objectives 04-05 Understanding Investment

More information

Wealth management. Guide for private clients

Wealth management. Guide for private clients Wealth management Guide for private clients Contents 01 Welcome to Standard Life Wealth 03 Understanding your financial goals 04 Different goals, different approaches 07 What you can expect as a client

More information

Wealth Management. Guiding private client investment strategies. Wealth management as it should be

Wealth Management. Guiding private client investment strategies. Wealth management as it should be Wealth Management Guiding private client investment strategies Wealth management as it should be Managing private client wealth for over a century At Smith & Williamson Investment Management, our focus

More information

Investment Philosophy

Investment Philosophy Investment Philosophy Our unique approach to investment management puts you at the heart of everything we do Wealth and Investment Management Discover a new side to your personality: your investment self

More information

Actively Managed Portfolio Service

Actively Managed Portfolio Service INVESTMENT MANAGEMENT Actively Managed Portfolio Service Bespoke Walker Crips We take pride in being one of the oldest independently owned companies in the City of London. Our predecessors first bought

More information

The Zurich Investment Panel

The Zurich Investment Panel Zurich International Life The Zurich Investment Panel Your guide to create bespoke solutions for your clients For Financial Advisors only The Zurich Investment Panel We ve all seen changes in the financial

More information

investing with Old Mutual Wealth YOUR FINANCIAL JOURNEY We ll help you get there

investing with Old Mutual Wealth YOUR FINANCIAL JOURNEY We ll help you get there investing with Old Mutual Wealth YOUR FINANCIAL JOURNEY investments pensions PROTECTION We ll help you get there investing with Old Mutual Wealth YOUR FINANCIAL JOURNEY CONTENTS You and your adviser 3

More information

Investment Management for Charities

Investment Management for Charities Investment Management for Charities www.bham.co.uk Although no two charities are the same, many face similar challenges in managing their finances to achieve the best results for the causes they support.

More information

Investment management. Tailor-made investment solutions

Investment management. Tailor-made investment solutions Investment management Tailor-made investment solutions ABOUT US Tilney Bestinvest is a leading investment and financial planning firm that builds on a heritage of more than 150 years. We look after more

More information

Investment Services. Wealth and Investment Management

Investment Services. Wealth and Investment Management Investment Services Wealth and Investment Management Contents Important information 3 A better vantage point for a clearer picture 5 Investment Philosophy 7 Investment Services 9 Advisory Services 10 Discretionary

More information

THAMESIDE financial planning

THAMESIDE financial planning THAMESIDE financial planning OUR INVESTMENT APPROACH UNDERSTANDING INVESTMENT RISK An overview Thameside Financial Planning recognises the importance of working with you to understand, achieve and maintain

More information

Wealth management. Guiding private client investment strategies

Wealth management. Guiding private client investment strategies Wealth management Guiding private client investment strategies 2 Managing private client wealth for over a century Our focus is on preserving and growing our clients wealth by providing experienced investment

More information

Your guide to the Fielding Financial Services Wrap Account. Supporting your Adviser, giving you control

Your guide to the Fielding Financial Services Wrap Account. Supporting your Adviser, giving you control Your guide to the Fielding Financial Services Wrap Account Supporting your Adviser, giving you control What is the Fielding Financial Services Wrap Account? It s a secure, online account that brings all

More information

Your guide to the Private Office Asset Management Ltd Wrap Account. Supporting your Financial Adviser, giving you control

Your guide to the Private Office Asset Management Ltd Wrap Account. Supporting your Financial Adviser, giving you control Your guide to the Private Office Asset Management Ltd Wrap Account Supporting your Financial Adviser, giving you control What is the Private Office Asset Management Ltd Wrap Account? It s a secure, online

More information

Private Wealth Management

Private Wealth Management Private Wealth Management 1 Cazenove European Fund About us Cazenove Capital Management provides a comprehensive and independent wealth management service. We believe that this independence is fundamental

More information

Model Portfolio Platform Service (For Professional Advisers only)

Model Portfolio Platform Service (For Professional Advisers only) Model Portfolio Platform Service (For Professional Advisers only) 2 Portfolio solutions well managed Accessible : risk-graded : trusted research Novia, Transact, Standard Life and Brown Shipley 12 Collective

More information

Delivering financial freedom. UK and European financial management specialists

Delivering financial freedom. UK and European financial management specialists Delivering financial freedom UK and European financial management specialists Our origins and brief history We provide the big-picture oversight that you need to succeed. The Blacktower group was formed

More information

We provide a truly personal service

We provide a truly personal service We provide a truly personal service Welcome C. Hoare & Co. is a bank which is proud of its heritage but focused on the future. We combine the traditional values of prudence and integrity with thoroughly

More information

Powering your investment proposition

Powering your investment proposition Powering your investment proposition more time efficient streamlined confidence performance the perfect partner simplicity Exceptional quality great technology first class service no shoehorning What Advisers

More information

INVESTMENT UNPLUGGED WHY CHOOSE A DISCRETIONARY INVESTMENT MANAGER?

INVESTMENT UNPLUGGED WHY CHOOSE A DISCRETIONARY INVESTMENT MANAGER? WHY CHOOSE A DISCRETIONARY INVESTMENT MANAGER? WHAT IS DISCRETIONARY INVESTMENT MANAGEMENT? This is a service offered by professional investment managers for those with funds available for investment who

More information

1st Floor, 55 High Street, Epsom, Surrey, KT19 8DH Tel: 01372 726162 Fax: 01372 724988 Email: enquiries@grayside.co.uk www.grayside.co.

1st Floor, 55 High Street, Epsom, Surrey, KT19 8DH Tel: 01372 726162 Fax: 01372 724988 Email: enquiries@grayside.co.uk www.grayside.co. FINANCIAL SERVICES 1st Floor, 55 High Street, Epsom, Surrey, KT19 8DH Tel: 01372 726162 Fax: 01372 724988 Email: enquiries@grayside.co.uk www.grayside.co.uk Grayside Limited is authorised and regulated

More information

Investments. Globaleye eguide Series

Investments. Globaleye eguide Series Investments Globaleye eguide Series CONTENTS Introduction... 2 Lump Sum Collectives... 3 Investment Bond...... 4 Portfolio Management... 5 Online Fund Advisory... 5 General Savings... 5 Saving on a Regular

More information

Capstone Financial Group Client focused, integrity driven advice

Capstone Financial Group Client focused, integrity driven advice Capstone Financial Group Client focused, integrity driven advice Welcome to the Capstone Financial Group. We are an Independent Financial Planning and Wealth Management Company, specialising in providing

More information

PLANNING YOUR FINANCIAL FUTURE TOGETHER COCKBURN LUCAS INDEPENDENT FINANCIAL CONSULTING

PLANNING YOUR FINANCIAL FUTURE TOGETHER COCKBURN LUCAS INDEPENDENT FINANCIAL CONSULTING PLANNING YOUR FINANCIAL FUTURE TOGETHER COCKBURN LUCAS INDEPENDENT FINANCIAL CONSULTING About Us Cockburn Lucas IFC Limited was established in 1997 to provide a fresh approach to the delivery of independent

More information

INTRODUCING OUR CORPORATE INVESTMENT SERVICE C O C K BURN LUCAS INDEPENDENT FINANCIAL CONSULTING. Making your business our business

INTRODUCING OUR CORPORATE INVESTMENT SERVICE C O C K BURN LUCAS INDEPENDENT FINANCIAL CONSULTING. Making your business our business INTRODUCING OUR CORPORATE INVESTMENT SERVICE C O C K BURN LUCAS INDEPENDENT FINANCIAL CONSULTING Making your business our business About Us Cockburn Lucas IFC Limited was established in 1997 to provide

More information

Management Services for Clients of Financial Advisers Why Investec Wealth & Investment?

Management Services for Clients of Financial Advisers Why Investec Wealth & Investment? Management Services for Clients of Financial Advisers Why Investec Wealth & Investment? Contents Introduction to the Company 2 Investment Process 3 Service Descriptions 4 Portfolio Management 5 Meeting

More information

Financial Planning For The Future. An Overview Of Our Services

Financial Planning For The Future. An Overview Of Our Services Financial Planning For The Future An Overview Of Our Services Canaccord Genuity Wealth Management is an award winning wealth manager committed to providing investors with a broad array of investment opportunities.

More information

Investment for charities. Good thinking. Well applied.

Investment for charities. Good thinking. Well applied. Investment for charities Good thinking. Well applied. 1 2 Balancing capital preservation and income generation Royal London Asset Management (RLAM) has around 200 charity clients from a wide variety of

More information

Chartered Financial Planners. Simplifying your financial life. EXPERT ADVICE. PROFESSIONALLY DELIVERED

Chartered Financial Planners. Simplifying your financial life. EXPERT ADVICE. PROFESSIONALLY DELIVERED Chartered Financial Planners. Simplifying your financial life. EXPERT ADVICE. PROFESSIONALLY DELIVERED 02 TIME TO ENJOY Through hard work and unique talent you have generated wealth. A relationship with

More information

Advice Process. Tees Valley Asset Management Limited Financial Planning Service

Advice Process. Tees Valley Asset Management Limited Financial Planning Service Tees Valley Asset Management Limited Financial Planning Service Tees Valley Asset Management Limited Suite 20 Durham Tees Valley Business Centre Orde Wingate Way Stockton on Tees TS19 0GD 01642 887222

More information

Life s better when you have a plan

Life s better when you have a plan Life s better when you have a plan FINANCIAL PLANNING. WEALTH ADVICE. INVESTMENT MANAGEMENT. Let s make plans together When making decisions about your financial future, we believe these should be made

More information

Retirement Income Service FOR INTERMEDIARIES

Retirement Income Service FOR INTERMEDIARIES Retirement Income Service FOR INTERMEDIARIES 1 We recognise how hard your clients work throughout their lives to enjoy a comfortable retirement. With extensive experience in providing tailor-made retirement

More information

CONSIDERING INVESTMENT RISK A guide to investing for your future

CONSIDERING INVESTMENT RISK A guide to investing for your future CONSIDERING INVESTMENT RISK A guide to investing for your future Award Winning Wealth Management CONTENTS 1 2 Introduction What does Investing mean? 05 07 3 Understanding your Needs and Requirements 08

More information

Zurich International Portfolio Bond

Zurich International Portfolio Bond Pensions Investments Protection Zurich International Portfolio Bond Discretionary Asset Managers The Zurich International Portfolio Bond (the plan), provided by Zurich Life Assurance plc (Zurich), a member

More information

Strength Endurance. Global credentials. Our Heritage

Strength Endurance. Global credentials. Our Heritage Strength Endurance Global credentials Investec Wealth & Investment is South Africa s leading provider of investment services to high net worth individuals. We offer global investment services tailored

More information

For customers Wealth Management Portfolio A flexible, tax-efficient investment

For customers Wealth Management Portfolio A flexible, tax-efficient investment For customers Wealth Management Portfolio A flexible, tax-efficient investment Introducing our Wealth Management Portfolio Our Wealth Management Portfolio is a tax-efficient offshore bond with lots of

More information

Risk Profiling Questionnaire

Risk Profiling Questionnaire Risk Profiling Questionnaire Private Client (Short Form) Risk Profiling Questionnaire 1/08 Please note this questionnaire is designed to help us understand which, if any, of the Standard Life Wealth portfolios

More information

Personal Financial Planning

Personal Financial Planning Personal Financial Planning As we go through life, we reach different milestones, each of which we need to plan financially for. That s what Cornerstone specialises in helping our clients plan ahead to

More information

A simple solution to the investment puzzle. Multi-asset Funds. Ready-made investment funds matched to your attitude to risk

A simple solution to the investment puzzle. Multi-asset Funds. Ready-made investment funds matched to your attitude to risk A simple solution to the investment puzzle Multi-asset Funds Ready-made investment funds matched to your attitude to risk Contents Why Aviva Investors? 2 A simple solution to investing 3 Are these funds

More information

Discretionary Wealth Management

Discretionary Wealth Management Discretionary Wealth Management Specialist, Focused, Committed Using experience and expertise to invest for your future Contents 1 The practical importance of wisdom 2 Introduction to Discretionary Wealth

More information

W E A L T H M A N A G E M E N T

W E A L T H M A N A G E M E N T WEALTH MANAGEMENT CONTENTS About Eos Wealth Management Limited 2 Background to Our Wealth Management Services 3 Our Wrap Platform 4 Our Investment Services 5 1. Our Managed Portfolio Service 5 2. The

More information

Another step on the path to success. Portfolio Management Services

Another step on the path to success. Portfolio Management Services Another step on the path to success Portfolio Management Services Will you get where you want to go? These days, the path to investment success is rougher and more rugged than ever. How do you know if

More information

INDIVIDUAL SAVINGS ACCOUNTS (ISAs) Individually crafted investment solutions

INDIVIDUAL SAVINGS ACCOUNTS (ISAs) Individually crafted investment solutions INDIVIDUAL SAVINGS ACCOUNTS (ISAs) Individually crafted investment solutions 01 An Individual Savings Account (ISA) is a tax-efficient investment that allows you to invest a defined amount of money each

More information

Financial Planning. www.watermark-financial.co.uk. Life Changes. Make sure your finances are protected.

Financial Planning. www.watermark-financial.co.uk. Life Changes. Make sure your finances are protected. Financial Planning Life Changes. Make sure your finances are protected. Why choose Watermark? WHO ARE WE? Led by Directors Mark and Maria Sansum, the team at Watermark have all worked extensively in the

More information

Financial Planning Report

Financial Planning Report {{TOC}} Financial Planning Report Prepared for: Prepared by: Independent Financial Adviser PPOL Penylan Mill Coed-y-Go Oswestry Shropshire SY10 9AF 7/4/2015 Executive Summary Six months have passed since

More information

INVESTMENT MANAGEMENT. Investment Management Services

INVESTMENT MANAGEMENT. Investment Management Services INVESTMENT MANAGEMENT Investment Management Services World class team JLT Investment Solutions employs over 60 people. Our entire focus is on investing our clients money. We are based in Exeter, Bournemouth,

More information

A Guide to Hargreave Hale Portfolio Management Services

A Guide to Hargreave Hale Portfolio Management Services A Guide to Hargreave Hale Portfolio Management Services Need some help? Please contact your local office if you have any questions: London 020 7009 4900 Blackpool 01253 621 575 Bangor 01248 353 242 What

More information

Serious Injury Financial Planners

Serious Injury Financial Planners Serious Injury Financial Planners Personal Injury Concerva are specialists in providing advice to recipients of substantial personal injury awards as a consequence of serious and catastrophic injuries.

More information

Investing for Children. explained

Investing for Children. explained Investing for Children explained About Killik & Co We pride ourselves in being a relationship firm. Each client has their own dedicated Broker, who acts as the single point of contact to provide award

More information

ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS.

ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS. ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS. Why is it important to read this document? This document explains the funds available for you to invest in through our Investment ISA, which is a Stocks

More information

GUIDE To INVESTING At Intrinsic our approach to investment advice is based on clearly understanding your financial situation, your goals, and how

GUIDE To INVESTING At Intrinsic our approach to investment advice is based on clearly understanding your financial situation, your goals, and how GUIDE To INVESTING At Intrinsic our approach to investment advice is based on clearly understanding your financial situation, your goals, and how much risk you are prepared to take with your money. 2 GUIDE

More information

Wealth Management Solutions

Wealth Management Solutions Wealth Management Solutions Invest in the Future Life has significant moments. Making sure you re prepared for them is important. But what can you do when the pace of your life leaves you little time to

More information

Helping your money to work harder

Helping your money to work harder Helping your money to work harder THINGS YOU NEED TO KNOW Most of the solutions we offer involve some form of Investment Risk and you should be aware that the value of investments can fall and you may

More information

Investing in onshore bonds

Investing in onshore bonds Investing in onshore bonds Open up your options with our Tailored Investment Bond Before you decide to buy, you need to know what the risks and commitments are. Read our key features document (TNB17).

More information

Contents. Blackmore Global

Contents. Blackmore Global Contents About Us 5 Why Choose Blackmore Global 6 Portfolio Composition / Asset Allocation 8 The Cells Blackmore Property 10 Blackmore Sustainable 11 Blackmore Private Equity 12 Blackmore Lifestyle 13

More information

Financial Planning Expertise

Financial Planning Expertise Financial Planning Expertise You Can Trust PLANNING PARTNERSHIP TRUST Introducing Wise Financial Solutions Wise Financial Solutions provides financial planning advice to a broad range of high net worth

More information

charities We build long-term relationships with charities, established on a foundation of exemplary personal service and professional expertise.

charities We build long-term relationships with charities, established on a foundation of exemplary personal service and professional expertise. For charities When clients appoint us as their investment manager they expect us to take care of their wealth. For each client this means something different. Our task is first to understand each individual

More information

Model Portfolios Supporting your investment proposition

Model Portfolios Supporting your investment proposition For Intermediary use only Model Portfolios Supporting your investment proposition June 2016 Debbie, Platform Proposition team 2 Model Portfolios Supporting your investment proposition Are you a looking

More information

Wealth and Investment Management. What is wealth? The answer is there is no simple answer

Wealth and Investment Management. What is wealth? The answer is there is no simple answer Wealth and Investment Management What is wealth? The answer is there is no simple answer By choosing a better vantage point we gain a clearer picture Everyone is different. That s why our wealth management

More information

THE COLLECTIVES PORTFOLIO SERVICE MADE FOR YOU

THE COLLECTIVES PORTFOLIO SERVICE MADE FOR YOU THE COLLECTIVES PORTFOLIO SERVICE MADE FOR YOU THE COLLECTIVES PORTFOLIO SERVICE The Collectives Portfolio Service (CPS) is a discretionary investment management service, which invests solely in funds

More information

We continually search for better value and choice, and are agile enough to respond to opportunities quickly.

We continually search for better value and choice, and are agile enough to respond to opportunities quickly. We continually search for better value and choice, and are agile enough to respond to opportunities quickly. As a result, our clients become better informed, confident and empowered to reach their financial

More information

KEY GUIDE. The key stages of financial planning

KEY GUIDE. The key stages of financial planning KEY GUIDE The key stages of financial planning Financial planning has witnessed significant change, so it is not surprising that most people are unclear about what financial planners actually do. The aim

More information

Sanlam Life Insurance Limited Principles of Financial Management (PFM) for Sanlam Life Linked and Market- Related Products

Sanlam Life Insurance Limited Principles of Financial Management (PFM) for Sanlam Life Linked and Market- Related Products Version 5: June 2013 Sanlam Life Insurance Limited Principles of Financial Management (PFM) for Sanlam Life Linked and Market- Related Products Table of Contents Section 1 - Introduction 1.1 Background

More information

Managed Portfolio Service. Portfolio management to meet your investment needs

Managed Portfolio Service. Portfolio management to meet your investment needs Managed Portfolio Service Portfolio management to meet your investment needs ABOUT US Tilney Bestinvest is a leading investment and financial planning firm that builds on a heritage of more than 150 years.

More information

MILSTED LANGDON FINANCIAL PLANNING

MILSTED LANGDON FINANCIAL PLANNING MILSTED LANGDON: BUSINESS ADVANTAGE PEACE OF MIND MILSTED LANGDON FINANCIAL PLANNING WORKING TOGETHER TO PROVIDE A BETTER FUTURE www.mlifa.co.uk/financial-planning advice@mlifa.co.uk CHOOSING THE RIGHT

More information

Financial advisers How they can help

Financial advisers How they can help Financial advisers How they can help This guide has been produced for educational purposes only and should not be regarded as a substitute for investment advice. Vanguard Asset Management, Limited only

More information

Our Services www.pembrokefinancial.co.uk

Our Services www.pembrokefinancial.co.uk Independent Financial Advisers One less thing to worry about... A Guide to Our Services www.pembrokefinancial.co.uk About Our Services We are Independent Financial Advisers (IFA s) working in partnership

More information

THE OLD MUTUAL INTERNATIONAL investment account

THE OLD MUTUAL INTERNATIONAL investment account THE OLD MUTUAL INTERNATIONAL investment account investments pensions benefit from our strength and reputation The Investment Account is provided by Old Mutual International Isle of Man Limited Singapore

More information

Your partner in wealth management

Your partner in wealth management Your partner in wealth management Societe Generale Private Banking Employees: 2,800 Reach: located in 22 countries Assets under management: 75.4 billion euros, as of 31 December 2009 Corporate awards 2010

More information

PREMIER PORTFOLIO MANAGEMENT SERVICE INVESTOR GUIDE FOR CLIENTS OF PROFESSIONAL FINANCIAL ADVISERS ONLY

PREMIER PORTFOLIO MANAGEMENT SERVICE INVESTOR GUIDE FOR CLIENTS OF PROFESSIONAL FINANCIAL ADVISERS ONLY PREMIER PORTFOLIO MANAGEMENT SERVICE INVESTOR GUIDE FOR CLIENTS OF PROFESSIONAL FINANCIAL ADVISERS ONLY 2 Premier Portfolio Management Service Investor Guide WELCOME Neil Birrell Chief Investment Officer

More information

Adviser Guide to the Select Multi-Asset Portfolios - Select Defensive and Select Growth Portfolios

Adviser Guide to the Select Multi-Asset Portfolios - Select Defensive and Select Growth Portfolios Adviser Guide to the Select Multi-Asset Portfolios - Select Defensive and Select Growth Portfolios Leading the way in multi-asset portfolios since 2002 Contents Why consider multi-asset portfolios? What

More information

KEY GUIDE. The key stages of financial planning

KEY GUIDE. The key stages of financial planning KEY GUIDE The key stages of financial planning Financial planning has witnessed significant change, so it is not surprising that most people are unclear about what financial planners actually do. The aim

More information

PJ Aiken Insurance Services

PJ Aiken Insurance Services PJ Aiken Insurance Services PJ Aiken was established in 1974 to provide independent insurance advice to the thriving community around Dorset s historic county town of Dorchester. Founded by Peter Aiken,

More information

Private Wealth Management Mutual Fund Solution

Private Wealth Management Mutual Fund Solution Private Wealth Management Mutual Fund Solution A Step-by-Step Guide to Investment Success In Collaboration with Portfolio Resources Group, Inc. The Strategic Approach to Building Mutual Fund Portfolios

More information

The Financial Planning Group. Financial Planning Services

The Financial Planning Group. Financial Planning Services The Financial Planning Group Financial Planning Services The Financial Planning Group Who we are... Established in 1993 Based in Teddington, South West London We deliver a holistic financial planning service

More information

A SOLUTION DESIGNED FOR PERSONAL INJURY INVESTORS

A SOLUTION DESIGNED FOR PERSONAL INJURY INVESTORS INTRODUCING THE7IM PERSONAL INJURY FUND A SOLUTION DESIGNED FOR PERSONAL INJURY INVESTORS INTRODUCING THE 7IM PERSONAL INJURY FUND AN INVESTMENT SOLUTION FOR PERSONAL INJURY AWARDS HELPING TO PROVIDE LIFELONG

More information

THE ALTERNATIVE INVESTMENT FUND MARKET FROM A PENSION FUND PERSPECTIVE

THE ALTERNATIVE INVESTMENT FUND MARKET FROM A PENSION FUND PERSPECTIVE THE ALTERNATIVE INVESTMENT FUND MARKET FROM A PENSION FUND PERSPECTIVE With a great deal of focus recently being on the long-term sustainability of pension funds, many funds are looking to develop their

More information

What is your ideal future?

What is your ideal future? What is your ideal future? What We Do We are committed to helping individuals and institutions preserve their hard-earned capital and pursue steady, wise growth. Investments We create an ideal portfolio

More information

MANAGED PORTFOLIO SERVICE

MANAGED PORTFOLIO SERVICE When clients select our Managed Portfolio Service they expect us to take care of their wealth. Over the past decade we have been proactive and innovative in expanding our offering to meet the evolving

More information

Investment Services 4 4

Investment Services 4 4 Investment Intelligence Our Philosophy 1 Our philosophy is to provide unbiased top quality investment services and solutions tailored to your individual needs, objectives and risk tolerance based on a

More information

MOBIUS LIFE. Providing solutions for institutional pension schemes and asset managers

MOBIUS LIFE. Providing solutions for institutional pension schemes and asset managers MOBIUS LIFE Providing solutions for institutional pension schemes and asset managers We empower our clients and their advisers to implement their investment strategies efficiently Mobius Life 1 The Mobius

More information

BEYOND WEALTH MANAGEMENT

BEYOND WEALTH MANAGEMENT BEYOND WEALTH MANAGEMENT At Wealth Management, we continually search for better value and choice, and are agile enough to respond to opportunities quickly. As a result, our clients are better informed,

More information

Sanlam Life Insurance Limited Principles and Practices of Financial Management (PPFM) for Sanlam Life Participating Annuity Products

Sanlam Life Insurance Limited Principles and Practices of Financial Management (PPFM) for Sanlam Life Participating Annuity Products Sanlam Life Insurance Limited Principles and Practices of Financial Management (PPFM) for Sanlam Life Participating Annuity Products Table of Contents Section 1 - Information 1.1 Background 2 1.2 Purpose

More information

Investment Consulting Service

Investment Consulting Service Investment Consulting Service The demands on your schedule may not allow time to manage your financial affairs. Professional management can help. Investment Consulting Service Table Of Contents The CIBC

More information

Financial Services for Personal Injury and Clinical Negligence Awards

Financial Services for Personal Injury and Clinical Negligence Awards Financial Services for Personal Injury and Clinical Negligence Awards IT S THE RELATIONSHIPS WE FORGE THE KNOWLEDGE WE HAVE AND THE PRINCIPLES WE APPLY ABOUT US Established in 1997 Money Wise Independent

More information

T. H. March Financial Planning Limited. A lifetime of experience adding value to you

T. H. March Financial Planning Limited. A lifetime of experience adding value to you T. H. March Financial Planning Limited Bespoke holistic financial planning services for High Net Worth clients along with investment and wealth management advice A lifetime of experience adding value to

More information

Bulk annuity transactions - insurer financial strength and beyond

Bulk annuity transactions - insurer financial strength and beyond Bulk annuity transactions - insurer financial strength and beyond More and more defined benefit pension schemes are securing liabilities through a buy-in or buy-out contract in order to manage their costs

More information

HOW THE INTERNATIONAL PORTFOLIO BOND WORKS WITH THE COFUNDS INVESTMENT PLATFORM

HOW THE INTERNATIONAL PORTFOLIO BOND WORKS WITH THE COFUNDS INVESTMENT PLATFORM INTERNATIONAL PORTFOLIO BOND HOW THE INTERNATIONAL PORTFOLIO BOND WORKS WITH THE COFUNDS INVESTMENT PLATFORM This is not a consumer advertisement. It is intended for professional financial advisers and

More information

Bespoke portfolios Personalised service. Investment portfolios uniquely tailored to you

Bespoke portfolios Personalised service. Investment portfolios uniquely tailored to you Bespoke portfolios Personalised service Investment portfolios uniquely tailored to you 2 Close Close 3 Strong traditions Proven experience About Close Brothers Close Brothers Group plc has been at the

More information