Capstone Financial Group Client focused, integrity driven advice

Size: px
Start display at page:

Download "Capstone Financial Group Client focused, integrity driven advice"

Transcription

1 Capstone Financial Group Client focused, integrity driven advice

2 Welcome to the Capstone Financial Group. We are an Independent Financial Planning and Wealth Management Company, specialising in providing client focused, integrity driven advice to individuals, trusts and businesses. Capstone Financial was originally incorporated by experienced industry professionals with the clear aim of setting new standards in the Asian financial services industry. How? By offering a refreshing new approach that radically improves the quality of advice and overall client experience. Our success as a company has been driven by the strong belief that our clients success will drive our own and our simple philosophy that the client should always come first. This document expands on how we look to differentiate ourselves, outlines what you can expect as a client, our investment philosophy and how we can help you. We continue to strive to set new standards for our industry and welcome your feedback on how we can improve on our client commitment. Please don t hesitate to get in touch with me personally or with one of our team of dedicated advisers for more information. Alternatively, why not visit our website at: Thank you for your interest and we trust you will enjoy an exceptional Capstone experience. Gareth Llewelyn-Williams Managing Director The Capstone Financial Group

3 The Capstone Financial Group The Capstone Financial Group is a leading financial planning and wealth management company offering investment and insurance solutions to individuals, trusts and businesses in Asia. Capstone is an independent and innovative company. We differentiate ourselves by putting our clients needs above everything else. This approach enables us to create real value through the provision of unbiased, integritydriven advice and solutions tailored to the specific needs of each client. Based on this foundation, we have built exceptionally strong relationships with our clients which we continue to develop by delivering a highly effective service. Our Team We pride ourselves on the quality and level of expertise of every member of the Capstone Financial team. Our personnel consist of industry professionals from around the world, whose individual skillsets are enhanced by on-going development programmes. This outstanding human resource combines global experience and financial expertise with Capstone Financial s integrity driven advice and client commitment. While all our advisers are highly qualified, they also enjoy the support of an experienced management team and technical specialists. This ensures that each client benefits from the wider capabilities of the Capstone Financial Group and not just the skills of their individual adviser. We differentiate ourselves by putting our clients needs above everything else.

4 Why Capstone Financial We aim to differentiate ourselves from our competitors and the industry as a whole in a number of ways. As a client you will receive a complete solution. We believe that it is our responsibility to advise you on all aspects of your finances and help implement a comprehensive strategy that will deliver financial security for you and your family. Our unwavering focus is on providing consistent, high-quality advice and service throughout the Capstone Financial Group. We believe that the advice and service you receive as a client should be consistent with all our clients and each client should benefit from the experience and technical abilities of the Capstone Financial Group and not just that of your individual adviser. Our Investment Committee provides the basis for any investment proposal. By utilising its extensive experience in banking and wealth management, they systematically map the market and provide extensive research on the whole fund universe, providing select ideas for all our advisers. In a volatile world, you can be assured that your assets are in safe hands. A service built around you We focus on shorter, more liquid and flexible investments, allowing you to utilise disposable income and savings to create wealth and capital without sacrificing liquidity, which enables you to meet future needs as well as take advantage of future opportunities. Clients are at the very heart of everything we do and we are committed to providing you with client focused, integrity driven advice that is designed to your individual needs. Our advisers have an invested interest in looking after their clients over the long term. Aligning the interests of our advisers with our clients promotes higher levels of advice, service and performance. We understand that our reputation is based on the quality of advice you receive and delivering on our commitment to you. As a result we have strong internal controls and all employees receive in-depth, on-going training to ensure the advice we offer is always of the highest quality.

5 Our Commitment to You Getting to know you, our client, allows us to build trust and establish a longterm relationship. We want all your experiences with us to be positive. That is why, from the very first meeting, your adviser will clearly set out what you can expect from us and how we aim to help you. Before providing any advice, we take the time to learn more about your personal and financial situation, as well as your future goals. This is achieved by completing a financial needs analysis, which is treated with complete confidentiality. It is only once we really understand your situation and needs, that we will start helping you implement an effective investment and financial strategy. Your relationship with us does not end at the point you decide to invest, as we know that it s what happens afterwards that will determine your future success and your satisfaction with us. Setting the standard for client commitment and performance All Capstone Financial clients enjoy: Regular face-to-face meetings with your dedicated financial adviser, offering you the opportunity to review your investments, take account of your financial affairs and receive expert guidance through volatile markets A dedicated client servicing team working alongside your adviser to ensure all your queries and requests are dealt with in a timely manner Access to technical specialists either in-house or through one of our preferred partners Regular market commentaries Online access to all your investments in one convenient place Investment committee and fund research team searching the whole market to bring you the best options Continuous improvement based on close attention to your on-going feedback. These elements and more form part of the comprehensive Capstone Financial service designed to safeguard your future financial success and ensure your satisfaction. We want all your experiences with us to be positive. That is why, from the very first meeting, your adviser will clearly set out what you can expect from us and how we aim to help you.

6 Investments - Investing in your future Constructing a balanced and diversified investment portfolio is a complex task, but one for which we are ideally equipped. Our Investment Philosophy Our advisers will carry out regular reviews of your portfolio. These provide the opportunity to take account of any changes in your circumstances and adjust your investments so they continue to deliver the desired balance between risk and return. Lump Sum Investments or single investments are a popular choice for those who have accumulated capital on deposit and wish to find a long-term home for their money. Whether you are looking to invest for income or for growth, we are able to access the whole of the market for the most appropriate investment solution. Regular Investments are an effective way of investing by allocating the funds to your account on a monthly, quarterly or annual basis. This allows you to allocate over multiple market cycles and is an excellent way to plan for the future. Retirement planning plays a key part in long-term financial strategies. Investing today is crucial to being able to reach a position of financial security in the future. Alternatively, you might be looking at taking an income from your pension, setting up a corporate scheme or need help working out any potential shortfalls. We re here to help whatever your individual needs. Education fees are a large expense for many families; by planning ahead and being aware of the costs of giving your children the best start, you can greatly reduce any financial burden. We can guide you towards investing a lump sum or regular amount to cater for this need. Offshore investment bonds are a life assurance policy. They are treated differently in tax terms from other investments and can offer significant tax savings if you already are or may be a UK taxpayer in the future. As such, they can be used to generate capital growth and income that are both highly tax-efficient. Qualifying Recognised Overseas Pension Schemes (QROPS) enable clients to consolidate and transfer UK Pensions offshore into a single structure. This gives you greater control of your investment and enables the simpler creation and management of your investment portfolio. We also offer specialised services in the following areas: Inheritance Tax Planning and Mitigation Trust Formation Alternative Investments International Property

7 Protection - Protecting your future Protection encompasses a range of insurance plans that provide cover against critical illness, accident or death. It is the foundation of economic security and essential to all good financial planning strategies. We are ideally positioned to cut through the vast range of protection products in the market to identify the right options for you. Our expertise covers: Life Insurance. This form of protection is designed to protect your family from the financial implications of a personal tragedy and is particularly pertinent if you have young children. Whatever your situation, we can help you set up a life assurance plan that is tailored to provide the level of cover you need at every stage of your life. Critical Illness Cover. While life insurance is the most popular form of protection, statistics show that serious illness, such as a heart attack or stroke, offers a greater threat to a family s standard of living. Even if the individual affected can still work afterwards, additional funds may be needed to cope with any disability. We can help you arrange cover for a set list of illnesses, with payment in a lump sum to reduce liabilities, pay for childcare or structural alterations to your property if needed. Arranging this type of cover gives you time to come to terms with your condition and decide what changes to make to your life. Income Protection. If you were unable to work, would you still require an income to cover your outgoings? Income Protection protects the income of the main earner in the event of long-term sickness or disability. Key Person and Shareholders Insurance. Most businesses are quick to insure their assets, yet they commonly overlook key members of the company and substantial shareholders. Key Person insurance can protect a business against the financial implications arising from the death or incapacity of executives, directors and other key staff. You can protect yourself against the exact nature of the loss, and this extends to losses suffered by the families of director-controlled enterprises. In addition to Investments and Insurance, we are also able to help with a wide range of additional services, including: Mortgages Wills Medical Insurance and other General Insurance solutions

8 Next steps Capstone Financial has the specialist knowledge and expertise to help you create, manage and maintain your wealth across the broadest spectrum of financial products. Whatever your situation from starting out, to broadening or improving current investment arrangements we are ideally placed to help you with all your financial planning needs. Contact Capstone Financial Whether you re considering financial planning or investing for the first time or are seeking an alternative to your existing options, please contact Capstone Financial using the details below to set up your initial face-to-face meeting which is free of charge and places you under absolutely no obligation to proceed. Client focused, integrity driven advice

Welcome to Finance Shop. Independent Financial Advisers

Welcome to Finance Shop. Independent Financial Advisers F inance Welcome to Finance Shop S hop Independent Financial Advisers Contents Finance Shop - Overview Finance Shop: an overview........... 02 Finance Shop Values................. 03 Retirement Planning..............

More information

Protecting your lifestyle and your wealth

Protecting your lifestyle and your wealth Protecting your lifestyle and your wealth Life assurance Critical illness cover Income protection Key person and partnership protection Over 30 years experience providing independent pension advice to

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

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

A Personal Approach to Business Insurance. The Bateman Group Advice and Service Guide

A Personal Approach to Business Insurance. The Bateman Group Advice and Service Guide A Personal Approach to Business Insurance The Bateman Group Advice and Service Guide Introducing The Bateman Group Since its creation in 1967, The Bateman Group have been providing clients with independent

More information

A personal approach to financial planning. Welcome to Towry. www.towry.com

A personal approach to financial planning. Welcome to Towry. www.towry.com A personal approach to financial planning Welcome to Towry www.towry.com I have been advised by Towry for approximately six years and have been delighted by the highly personalised service they provide.

More information

FINANCIAL PLANNING INVESTMENT MANAGEMENT CORPORATE BENEFITS

FINANCIAL PLANNING INVESTMENT MANAGEMENT CORPORATE BENEFITS NW BROWN and Company FINANCIAL PLANNING INVESTMENT MANAGEMENT CORPORATE BENEFITS Expert in Investment WELCOME TO THE NW BROWN GROUP FINANCIAL PLANNING Our financial planning services have been developed

More information

FINANCIAL PLANNING INVESTMENT MANAGEMENT CORPORATE BENEFITS

FINANCIAL PLANNING INVESTMENT MANAGEMENT CORPORATE BENEFITS NW BROWN and Company FINANCIAL PLANNING INVESTMENT MANAGEMENT CORPORATE BENEFITS Accessible Expertise WELCOME TO THE NW BROWN GROUP I am pleased to welcome you to the NW Brown Group. As one of the leading

More information

PEOPLE FOCUS June 2010 Willis New Zealand Ltd

PEOPLE FOCUS June 2010 Willis New Zealand Ltd PEOPLE FOCUS June 2010 Willis New Zealand Ltd THE LAUNCH OF WILLIS PEOPLE RISK Willis People Risk is the new name for the Willis Employee Benefits Division. The new name has been adopted to reflect the

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

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

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

Wealth Management Service

Wealth Management Service Wealth Management Service 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

More information

Financial Services Members Guide

Financial Services Members Guide Financial Services Members Guide Prepared By Infinite Wealth Management Ltd Phone: 0333 800 8640 or Email: cu@infinitewm.co.uk Infinite Wealth Management Ltd is authorised and regulated by the 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

COCKBURN LUCAS INDEPENDENT FINANCIAL CONSULTING. A Guide to. Business Protection. Protecting the key people who are driving your business forward

COCKBURN LUCAS INDEPENDENT FINANCIAL CONSULTING. A Guide to. Business Protection. Protecting the key people who are driving your business forward COCKBURN LUCAS INDEPENDENT FINANCIAL CONSULTING A Guide to Business Protection Protecting the key people who are driving your business forward A Guide to Business Protection Protecting the key people who

More information

Preserving your wealth for future generations. Towry s Guide to Estate Planning

Preserving your wealth for future generations. Towry s Guide to Estate Planning Preserving your wealth for future generations Towry s Guide to Estate Planning About Towry We are one of the UK s leading wealth advisers and specialise in providing high quality, expert fi nancial advice

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

A guide to the Prudential International Investment Portfolio. Your questions answered

A guide to the Prudential International Investment Portfolio. Your questions answered A guide to the Prudential International Investment Portfolio Your questions answered Whether you re a private investor, a corporate investor or a trustee, it s essential to manage your money effectively.

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

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

Wealth Management. from NEWBY CASTLEMAN (FINANCIAL SERVICES) LIMITED. 15236_GAM - Wealth Management booklet.indd 1 22/7/09 12:21:53

Wealth Management. from NEWBY CASTLEMAN (FINANCIAL SERVICES) LIMITED. 15236_GAM - Wealth Management booklet.indd 1 22/7/09 12:21:53 Wealth Management from NEWBY CASTLEMAN (FINANCIAL SERVICES) LIMITED 15236_GAM - Wealth Management booklet.indd 1 22/7/09 12:21:53 2 Contents Wealth Management with no upfront fees Wealth Management 2 Information

More information

Welcome to ST. JAMES S PLACE 1 PARTNERS IN MANAGING YOUR WEALTH PARTNERS IN MANAGING YOUR WEALTH

Welcome to ST. JAMES S PLACE 1 PARTNERS IN MANAGING YOUR WEALTH PARTNERS IN MANAGING YOUR WEALTH Welcome to ST. JAMES S PLACE 1 2 Welcome to St. James s Place Wealth Management. We are a FTSE 250 company with over 27bn of client funds under management, specialising in the provision of face-to-face

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

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

TAKING CONTROL OF YOUR PENSION PLAN. The value of pension contributions

TAKING CONTROL OF YOUR PENSION PLAN. The value of pension contributions TAKING CONTROL OF YOUR PENSION PLAN If you add together all the money you have in pension arrangements, the total may well dwarf every other investment you ever make. Despite this, many people are happy

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

WEALTH MANAGEMENT SOLUTIONS

WEALTH MANAGEMENT SOLUTIONS WEALTH MANAGEMENT SOLUTIONS Contents Wealth management 1 Boutique approach, global solutions 3 Traditonal values, innovative thinking 4 Working in partnership 4 Protecting wealth 6 Enhancing wealth 8 Distributing

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

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

Your retirement could have even more going for it

Your retirement could have even more going for it Your retirement could have even more going for it A straightforward guide to equity release For no obligation advice: call 0800 015 0993 www.justretirementsolutions.com Contents Imagine what you could

More information

D1.03: MORTGAGE REPAYMENT OVERVIEW

D1.03: MORTGAGE REPAYMENT OVERVIEW D1.03: MORTGAGE REPAYMENT OVERVIEW SYLLABUS Repayment mortgages Repayment profile Interest only mortgages Full and low cost endowment mortgages Unit-linked endowment mortgages ISA mortgages Pension mortgages

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

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

Marmalade. Wealth Management. Expert Financial Advice

Marmalade. Wealth Management. Expert Financial Advice Expert Financial Advice Contents Welcome to Marmalade 2 Welcome to Marmalade 3 Who we are 4 What will you do for me? 5 How we work 8 Other services As a truly independent organisation we make available

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

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

KEY FEATURES. SELECT PORTFOLIO BOND (WEALTH MANAGERS) This is an important document. Please keep it safe for future reference.

KEY FEATURES. SELECT PORTFOLIO BOND (WEALTH MANAGERS) This is an important document. Please keep it safe for future reference. SELECT PORTFOLIO BOND (WEALTH MANAGERS) KEY FEATURES. This is an important document. Please keep it safe for future reference. LEGAL & GENERAL SELECT PORTFOLIO BOND 2 SELECT PORTFOLIO BOND (WEALTH MANAGERS)

More information

KEY GUIDE. Financial protection for you and your family

KEY GUIDE. Financial protection for you and your family KEY GUIDE Financial protection for you and your family Protecting what matters most Life and health insurance protection underpins most good financial planning. These types of insurance can ensure that

More information

Wealth & Planning... Financial Planning Services

Wealth & Planning... Financial Planning Services Wealth & Planning... Financial Planning Services Contents. What is financial planning? Whatever your financial goals wealth creation, retirement, investments or otherwise having a financial plan is key

More information

Pillar 3, individual financial planning Life insurance

Pillar 3, individual financial planning Life insurance Pillar 3, individual financial planning Life insurance Personal financial planning is part of every individual s responsibilities. It supplements pillar 1 and 2 benefits and makes up shortfalls in personal

More information

Welcome to Aspire. Expert financial advice for you

Welcome to Aspire. Expert financial advice for you Welcome to Aspire Expert financial advice for you Welcome to Aspire At Aspire we have one goal in mind to give you the financial advice you need and complete peace of mind that your finances are in the

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

Contents 3 The 360 advantage. 4 LifePlan. 5 Benefits for life. 6 Protection against illness. 7 Added extras. 10 The children s plan

Contents 3 The 360 advantage. 4 LifePlan. 5 Benefits for life. 6 Protection against illness. 7 Added extras. 10 The children s plan LifePlan Brochure 1 smart resolution to safeguard against a reversal of fortune, up to 15 valuable protection benefits and USD7.5 million in life cover could make for 60 years of reassuring stability for

More information

Whole of life. It is never too early...

Whole of life. It is never too early... It is never too early... ...but it can be too late. Whole of life protection As lifestyles change over time, so do mortgage, business and family protection needs. There is never a time in your client s

More information

KEY FEATURES OF YOUR BUYOUT BOND ILLUSTRATION KEY FEATURES. and Conditions, available from your financial adviser.

KEY FEATURES OF YOUR BUYOUT BOND ILLUSTRATION KEY FEATURES. and Conditions, available from your financial adviser. 00000 Old Mutual Wealth Life Assurance Limited is a provider of long-term life assurance. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential

More information

International Term Assurance

International Term Assurance International Term Assurance Protection for tomorrow for peace of mind and financial security Zurich International Life Because who knows what tomorrow will bring Have you considered who depends on you

More information

Personal insurance. What is insurance? What is personal insurance? Life insurance. Fact sheet

Personal insurance. What is insurance? What is personal insurance? Life insurance. Fact sheet Fact sheet Personal insurance Current as at 15 April 2012 What is insurance? Insurance is an agreement with an insurance company to pay you a sum of money if something is damaged or lost. It is form of

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

A Personal Approach to Wealth Management. The Bateman Group Advice and Service Guide

A Personal Approach to Wealth Management. The Bateman Group Advice and Service Guide A Personal Approach to Wealth Management The Bateman Group Advice and Service Guide Introducing The Bateman Group The Bateman Group, in the heart of Warwick, is recognised as one of the most respected

More information

Planning your financial path

Planning your financial path Our private client service Illuminating advice We will find the best way to help you reach your goals. We make sure you stay on track until you do. Advice you can trust Our role as your financial adviser

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

How can a SSAS benefit you & your company?

How can a SSAS benefit you & your company? THE SMALL SELF ADMINISTERED SCHEME WESTERBY TRUSTEE SERVICES LTD How can a SSAS benefit you & your company? THE SMALL SELF ADMINISTERED SCHEME GIVING YOU CONTROL OF YOUR PENSION With corporation tax relief

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

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

The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information to help

The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information to help Key features of the Individual Savings Account The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information to help you decide

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

Contents 03 The 360 advantage. 04 LifePlan. 05 Benefits for life. 06 Protection against illness. 07 Added extras. 10 The children s plan

Contents 03 The 360 advantage. 04 LifePlan. 05 Benefits for life. 06 Protection against illness. 07 Added extras. 10 The children s plan LifePlan Brochure 1 smart resolution to safeguard against a reversal of fortune, up to 15 valuable protection benefits and USD7.5 million in life cover could make for 60 years of reassuring stability for

More information

WEALTH MANAGEMENT FOR WEALTH CREATION AND PRESERVATION

WEALTH MANAGEMENT FOR WEALTH CREATION AND PRESERVATION WEALTH MANAGEMENT FOR WEALTH CREATION AND PRESERVATION PLANNING YOUR WEALTH MANAGEMENT STRATEGY Wealth creation and wealth preservation at LighthouseWealth we achieve this balance for our clients through

More information

Almary Green. Growing Prosperity... Independent Financial Advisers. Client Almary Green Logo development. farrows

Almary Green. Growing Prosperity... Independent Financial Advisers. Client Almary Green Logo development. farrows P E R S O N A L > C O R P O R A T E > P A R T N E R S H I P S Almary Green Independent Financial Advisers farrows Client Almary Green Logo development Growing Prosperity... Creating Wealth & Protecting

More information

Key Features of the ISA

Key Features of the ISA from the Select Portfolio This is an important document which you should keep along with your personalised Illustration. S E L E C T Alico is a leading international life insurer with a unique heritage

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

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

Mesothelioma Supporting Sufferers & Their Families

Mesothelioma Supporting Sufferers & Their Families Mesothelioma Supporting Sufferers & Their Families INJURY & NEGLIGENCE SPECIALISTS Injury & Negligence My solicitors were professional at all times but still had so much kindness and compassion for my

More information

Financial Planning Growing a better future

Financial Planning Growing a better future To make an appointment with a Financial Planner: Go to hsbc.com.au/financialplanning Visit in branch Call 1300 308 008 All testimonials listed in this brochure are sourced from Sue, an HSBC financial planning

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

Personal financial planning and corporate financial services

Personal financial planning and corporate financial services Personal financial planning and corporate financial services Ascot Lloyd Financial Services Ltd is authorised and regulated by the Financial Conduct Authority www.fca.org.uk number 150620 2014 Ascot Lloyd

More information

MUtUaL interest SHOW SPECIAL EXCLUSIVE SHOW OFFERS INSIDE. WiLL you Be able to fulfil your retirement aspirations? The importance of income protection

MUtUaL interest SHOW SPECIAL EXCLUSIVE SHOW OFFERS INSIDE. WiLL you Be able to fulfil your retirement aspirations? The importance of income protection MUtUaL interest Autumn 2013 SHOW SPECIAL EXCLUSIVE SHOW OFFERS INSIDE The importance of income protection Modernising the mutual Partner products WiLL you Be able to fulfil your retirement aspirations?

More information

Enjoy the peace of mind that comes from being WEHBE insured

Enjoy the peace of mind that comes from being WEHBE insured COMPANY PROFILE Insured. Secured. Over the years WEHBE Insurance Services has grown and evolved, and is today considered one of the most renowned names in the UAE insurance intermediary industry. As an

More information

EQUITY LOAN HOME HOWDO WE STAY IN OUR FAMILY HOME?

EQUITY LOAN HOME HOWDO WE STAY IN OUR FAMILY HOME? HOWDO WE STAY IN OUR FAMILY HOME? HOME EQUITY LOAN Welcome If you want the financial freedom to spend your retirement how you choose, with independence and dignity, you should talk to us. A Heartland Home

More information

KEY GUIDE Financial protection for you and your family

KEY GUIDE Financial protection for you and your family Kelvin Financial Planning Ltd KEY GUIDE Financial protection for you and your family Introduction Most of us believe that taking out life and other forms of protection insurance is a good thing to do.

More information

KEEPING YOU ON COURSE. Business Protection. corporate co-director insurance

KEEPING YOU ON COURSE. Business Protection. corporate co-director insurance KEEPING YOU ON COURSE Business Protection corporate co-director insurance You can remain in control even when the unexpected strikes. Introduction On death the shares of a deceased director form part of

More information

Get to know your options for protecting yourself and your family

Get to know your options for protecting yourself and your family Get to know your options for protecting yourself and your family LifeProtect Guide Allow us to introduce ourselves. We are Zurich. We are part of a global insurance group with Swiss roots. We are one of

More information

MARK MEADS Tele: +44(0) 870 24 26 789 Head of Sales, Individual Protection Direct: +44(0) 7740 897 409 Email: mark.meads@aegon.co.

MARK MEADS Tele: +44(0) 870 24 26 789 Head of Sales, Individual Protection Direct: +44(0) 7740 897 409 Email: mark.meads@aegon.co. BUSINESS PROTECTION INSURANCE UNDER SOLD Insurance is a cost a business is always looking to reduce, so the suggestion that your business needs more insurance is not an easy one to make. However, Mark

More information

Flexible Protection Plan. Protecting your lifestyle and family with one simple plan

Flexible Protection Plan. Protecting your lifestyle and family with one simple plan Flexible Protection Plan Protecting your lifestyle and family with one simple plan Contents Introduction Income Protection Life Protection Critical Illness Protection Protection with a heart Extra things

More information

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands GLOBAL INSURANCE FOR EXPATRIATES Your health in our hands THE challenges EXPATRIATES FACE Life as an expatriate is full of exciting opportunities, but there are potential problems to consider too: A serious

More information

A Guide to Income Protection (Permanent Health Insurance)

A Guide to Income Protection (Permanent Health Insurance) A Guide to Income Protection (Permanent Health Insurance) This guide about Income Protection (Permanent Health Insurance) Insurance is designed to help you decide if this is a suitable product for you.

More information

a b Welcome home Make your dream of owning your own home come true with UBS s versatile financing products

a b Welcome home Make your dream of owning your own home come true with UBS s versatile financing products Welcome home Make your dream of owning your own home come true with UBS s versatile financing products A quick guide to everything you need to know about home financing. Contents The basics 4 Advice 6

More information

In safe hands. Business protection for sole traders

In safe hands. Business protection for sole traders In safe hands Business protection for sole traders How secure is your financial future? As a sole trader the success of your business depends on you your skills, your judgement, your drive. In turn you

More information

Collective Retirement Account

Collective Retirement Account Key features of the Collective Retirement Account The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information to help you

More information

COLLECTIVE INVESTMENT ACCOUNT

COLLECTIVE INVESTMENT ACCOUNT Key features of the COLLECTIVE INVESTMENT ACCOUNT The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information to help you

More information

COMPENSATION AND EMPLOYEE BENEFITS

COMPENSATION AND EMPLOYEE BENEFITS COMPENSATION AND EMPLOYEE BENEFITS Q&Apm has a comprehensive range of global services that provides a one stop shop solution for companies personnel, management, legal and employee benefit needs. We have

More information

LIFE AND PROTECTION INSURANCE EXPLAINED

LIFE AND PROTECTION INSURANCE EXPLAINED LIFE AND PROTECTION INSURANCE EXPLAINED INTRODUCTION Most of us would like to think that when our lives come to an end, we ll be old, our loved ones will be financially secure and our financial responsibilities

More information

Be selective. Swiss Invest. A Swiss portfolio that exceeds expectations.

Be selective. Swiss Invest. A Swiss portfolio that exceeds expectations. Be selective. Swiss Invest A Swiss portfolio that exceeds expectations. Welcome to Switzerland Switzerland is a safe haven for investments, giving you the stability and security you expect from an attractive,

More information

Life and protection insurance explained

Life and protection insurance explained protection? Life and protection explained A guide to personal and family protection This guide explains the types of life and protection available and how they can offer you valuable peace of mind. If

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

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

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands GLOBAL INSURANCE FOR EXPATRIATES Your health in our hands THE challenges EXPATRIATES FACE ABROAD Life as an expatriate is full of exciting opportunities, but there are potential problems to consider too:

More information

EQUITY HOME. HowDO. we stay in. our family. home?

EQUITY HOME. HowDO. we stay in. our family. home? HowDO we stay in our family home? HOME EQUITY loan Welcome If you want the financial freedom to spend your retirement how you choose, with independence and dignity, you should talk to us. A Heartland Home

More information

Who we are. Helping you achieve your lifestyle goals

Who we are. Helping you achieve your lifestyle goals Helping you manage your wealth Who we are Ward Goodman Financial Services Ltd is 100% owned by Ward Goodman Chartered Accountants one of Dorset's largest independently owned Chartered Accountancy practices.

More information

LTA Tax charges The clock is ticking

LTA Tax charges The clock is ticking LTA Tax charges The clock is ticking The LTA tax charges 1 of 12 Hundreds of thousands of pension savers in the UK risk being hit by hefty taxes as a result of the latest cut in the pension Lifetime Allowance

More information

Carey Group l Retirement Annuity Trust Scheme (RATS)

Carey Group l Retirement Annuity Trust Scheme (RATS) Carey Group l Retirement Annuity Trust Scheme (RATS) KEY BENEFITS & CONTRIBUTIONS Carey Group offer a flexible and competitive solution for Guernsey residents wishing to establish a bespoke Retirement

More information

Investing for a brighter future. Stocks and Shares ISAs explained 1 STOCKS AND SHARES ISAS EXPLAINED

Investing for a brighter future. Stocks and Shares ISAs explained 1 STOCKS AND SHARES ISAS EXPLAINED Investing for a brighter future Stocks and Shares ISAs explained 1 STOCKS AND SHARES ISAS EXPLAINED Contents 03 What is a stocks and shares ISA? 04 How much can I invest? 05 Why invest in a stocks and

More information

Guide to SIPPs. Investment Helpdesk: 0131 550 1212. www.cs-d.co.uk

Guide to SIPPs. Investment Helpdesk: 0131 550 1212. www.cs-d.co.uk Investment Helpdesk: 0131 550 1212 www.cs-d.co.uk SIPP stands for Self Invested Personal Pension. SIPPs are a flexible type of personal pension. Like most, they are designed to provide a retirement pot

More information

In this issue: employee benefits wealth management pensions life assurance mortgages healthcare. Summer 2015

In this issue: employee benefits wealth management pensions life assurance mortgages healthcare. Summer 2015 independent financial advice everyone can follow... Summer 2015 employee benefits wealth management pensions life assurance mortgages healthcare In this issue: Pensions freedom: what s in store? The investment

More information

Life and disability. International solutions for expatriates. geb.com

Life and disability. International solutions for expatriates. geb.com Life and disability International solutions for expatriates geb.com 2 GEB - Life and Disability for Expatriates Life and Disability Group Life and Disability insurance packages form the cornerstone of

More information

3 The 360 advantage. 4 Quantum. 5 The choice is yours. 7 Investing in the Isle of Man. 10 Investment opportunities abound. 12 Giving you extra

3 The 360 advantage. 4 Quantum. 5 The choice is yours. 7 Investing in the Isle of Man. 10 Investment opportunities abound. 12 Giving you extra Quantum Brochure 1 motivated person saving regularly over 25 years, with discounted access to more than 100 carefully selected funds, could make for a happy early retirement at 55 and a life-changing 3,980

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

YOUR CREDIT UNION PARTNER

YOUR CREDIT UNION PARTNER YOUR CREDIT UNION PARTNER Our focus on you is in everything we do Providing value, solving business challenges and delivering products and services to meet your needs: it s what we do. At CUMIS, we are

More information

LIFE AND MEDICAL. Now s a good time to review your insurance

LIFE AND MEDICAL. Now s a good time to review your insurance LIFE AND MEDICAL Now s a good time to review your insurance Your medical cover The medical component of your policy is now underwritten by nib New Zealand. OnePath continues to manage your medical policy

More information