A personal approach to financial planning. Welcome to Towry.

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1 A personal approach to financial planning Welcome to Towry

2 I have been advised by Towry for approximately six years and have been delighted by the highly personalised service they provide. I have appreciated their ability to link different areas together, such as wills, pensions, investments and tax planning, and to propose creative solutions. The underlying philosophy that comes across is that Towry is run to the very highest professional standards. I would recommend Towry and have done so many times to professional colleagues and to friends. Chief Financial Officer International Technology Group

3 We ll work with you to help you achieve your financial goals When you re making decisions about your financial future, it s important to choose the right financial adviser. At Towry, we believe that all financial decisions should be made as part of a personal financial plan, which can be structured to help you achieve your short and your long-term goals. We can help you develop this plan and advise you on the choices that might be right for you. Whether you are interested in saving and investing, planning for your retirement, or considering how best to pass on your wealth to your family, we can help. Our approach At our first meeting, we talk to you about your plans for the future and listen carefully so that we fully understand your financial objectives. We will tell you if we can give you the advice you need. Similarly, it s an opportunity for you to decide whether our services will be of benefit to you. Our initial discussion is free of charge, and there is no obligation. We then start to build an understanding of your current financial situation, including your investments, tax status, loans, mortgages and pension arrangements. With this understanding, we can produce a personalised lifetime cashflow analysis, to show you the money you have now and how much you might need in the future, to achieve your objectives. This clarity will help you make more informed decisions about your financial future. From here we can work together to develop your personal financial plan. How you continue to benefit from a personal financial plan Your personal financial plan creates a solid foundation for your future financial decisions. It is important to review your plan regularly to make sure it keeps pace with changes in your circumstances, as well as any changes in the investment environment and tax rules. We recommend a meeting with your adviser at least once a year to check that your plans are still appropriate, or whether we need to look into options that might suit you better. The most straightforward way to do this is through our Financial Review Service, which ensures that we regularly review your plan with you. What makes us different? Our client focus We respect and value the trust our clients place in us. We recognise that each client has individual requirements, and it s important for people to know that their adviser fully understands their financial goals as well as the investment risk they re prepared to take. That s why we work together with our clients, to help them create effective plans for the future. We hope to have the opportunity to do the same for you. 3

4 What we can do for you whatever your goals. We work with our clients, and their other professional advisers, to tailor our Here are just a few of the areas we could explore with you. Investments and savings Helping you make the most of your investments Many people don t realise the full potential value of their investments. You may have investments such as shares, unit trusts, premium bonds, cash deposits and pension investments, which you have acquired or invested in over a period of time. These are all valuable assets and need to be arranged in a way that is appropriate for your Protection Checking that your life insurance cover meets your needs You may have life insurance policies and critical illness cover which have been in place for some time, and may no longer meet your needs. Even if your employer offers you life cover, it is still important to review the level and type of cover on a regular basis to make certain that it is still appropriate for you. We can carry out a review of your arrangements and advise you on any changes that may be needed. What makes us different? Our expertise Our investment philosophy is clear and simple. We aim to minimise the risks of investing for the level of return required. We achieve this by spreading your portfolio across a wide range of carefully researched investments and actively managing this blend on your behalf. We provide a proactive, hands-on investment service, where a portfolio of investments is managed for you on your behalf. Our experts will focus on achieving competitive returns while ensuring you do not take more investment risk than you are comfortable with. We achieve this by spreading your investments across a wide range of countries, markets, currencies and investment strategies. We will seek out leading investment managers in each of these areas and bring their expertise to bear on your portfolio. Our investment management service is designed for a minimum investment of 100,000. with the majority having achieved Chartered Financial Planner status, the highest professional in excess of the minimum level required by our regulator, the Financial Conduct Authority (FCA). One important difference of our service is the fact that our advice is Towry s advice, rather than the view of one individual. We achieve this by working as a team, using our wealth advisers, experts, as well as our specialist investment management team. This combined expertise helps to deliver the best It is important to remember that all investments may go down in value as well as up and you may not get back the full amount invested. 4

5 Retirement planning Making sure that you know when and how much You may have already thought about when you want to retire and how much income you ll need the challenge is how to achieve these goals. Decisions you make now, regarding your pension contributions, could affect your retirement income and future lifestyle, so it s important to get the right advice. We can help you plan ahead effectively. It s important to make sure your retirement plans stay in line with your goals and aspirations. Many people may find that their pension is not sufficient to meet their future financial needs, and supplement their retirement income from other sources. We can help you make sure you re saving enough into your pension, and review your investment choices to check that they still meet your objectives at a level of risk you are comfortable with. Retirement options Giving you the advice you need to make the right choices With people living longer, healthier lives, we can spend up to a third of our lives in retirement. Pension legislation is complicated, and when you retire some of the decisions you have to make cannot be changed so it s important to make the right choices. We can advise you on the options that might suit you best. For example, if you decide you d prefer to gradually reduce your work commitments and supplement your income from your savings and investments, we can discuss the most effective and tax-efficient way for you to do this. Many people have the opportunity to take a taxfree cash lump sum from their pension fund. For some, this is the right course of action for others, it is not. We can help you with this decision and help you consider other options. If you are thinking about buying an annuity, this is a one-off binding decision. It s vital to get expert advice so that you can get the best annuity deal and the right benefits for you. Inheritance Tax planning Helping you pass on your wealth to your children and grandchildren The Inheritance Tax rules have relaxed slightly in recent years, but people of even fairly moderate wealth may still need to take action to avoid a large tax bill especially if they own property and have savings, investments and pensions. Inheritance Tax may be payable on your estate when you or your spouse dies. Everything you own, and jointly own, is included in your estate. With careful planning we may be able to help you identify and reduce any tax liability on your estate. 5

6 About us Towry is an established wealth advice business employing approximately 750 people in 20 offices across the United Kingdom. Our vision is to become the UK s leading provider of wealth advice. We have been advising clients for more than 40 years. Over 25,000 clients trust us to advise them and apply our expertise to their financial plans. We are privately owned. The principal shareholders are Palamon Capital Partners and Towry employees. Our charges We charge clear and transparent fees for our services in a similar way to other professional advisers such as lawyers and accountants. Our fees for advice are charged on a time cost basis. Fees for investment management are calculated as a percentage of your investments. Your first meeting with us is free of charge and free of obligation. Before we undertake any chargeable work, we always provide an estimate of our costs. What makes us different? Financial planning tailored to your needs Our focus is on understanding your personal objectives, before recommending actions you may need to take to achieve them. We take the time to get to know you, and see things from your point of view. This way we can help you think through what you want from your finances and what you may need. We will look at all areas of your financial affairs, such as your investments and savings, protecting against unforeseen life events, planning for your retirement and passing your wealth on to the next generation. With advice that is personal to you, we can help you strengthen your overall financial position, stay in control of your finances and make better, informed decisions. 6

7 Next steps We hope you ve gained an insight into our areas of expertise, and the different ways we can help and advise you. To find out more or to arrange a meeting, please call us on or

8 Towry Limited and Towry Investment Management Limited Towry House Western Road Bracknell RG12 1TL TA0928/December 2014

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