Life s better when you have a plan

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1 Life s better when you have a plan FINANCIAL PLANNING. WEALTH ADVICE. INVESTMENT MANAGEMENT.

2 Let s make plans together When making decisions about your financial future, we believe these should be made as part of a lifetime financial plan. Whether you are interested in helping your children onto the property ladder, planning for retirement or considering the best way to pass wealth onto your family, we can help. Whatever your stage of life, by developing a plan that s just for you, we can support you in achieving your goals. 3

3 What matters to you matters to us As one of the UK s leading providers of financial planning and wealth management, our award-winning team have helped thousands of people to look after their finances and achieve the life they want. At the heart of what we do is you your goals, ambitions, aspirations and financial needs. It s this personalised, life-driven approach that sets us apart. We know priorities at the height of your career are different from what matters most when retiring. And we also understand that what you value will change over time. That s why we believe the advice we give should be set within the context of a financial plan that adapts as life changes. We aim to partner with you for the long term, building a trusted relationship that s for life. We want you to have confidence in your choices, to have the freedom to achieve your ambitions and feel reassured that you re in good hands. What matters to you is what matters to us. 4

4 Financial planning for life Whatever your goals, we believe that sound financial planning is the key to success. Our team of experts work together to create the right solutions tailored to your needs. Our role is to understand your position today by listening carefully, getting to know you and understanding what you want from life tomorrow. We believe that everything starts with a plan and working together our Lifetime Financial Planning Services can help create the way to a brighter financial future. In partnership, we can develop a Lifetime Financial Plan around the things you want to do in your life. We assess your financial situation, looking at where you are and where you want to be. We consider the level of risk you are prepared to take to achieve your goals and clearly define where your financial priorities and needs may lie. By developing a personalised Lifetime Financial Plan we can support you in achieving your financial goals and lifestyle aspirations. If you have more complex financial affairs, we can develop and manage a fully comprehensive Lifetime Wealth Management Plan that takes account of your specific requirements. We look at every aspect of your finances to understand how advice in one area may impact other areas of your financial world. We work together to make sure you make the most of any tax relief and allowances, while managing the impact of Capital Gains and Inheritance Tax. Through in-depth conversations, we will align your plan to what you have told us you want to achieve, talk through our recommendations and implement the actions we agree. In this way, the Lifetime Wealth Management Plan is able to achieve the depth of understanding necessary to comprehensively organise complex affairs, and strengthen your financial position. 5

5 Keeping your plan on track Once your plan is in place, we need to make sure it stays on track to achieve your goals and any advice remains relevant. As part of our review service we meet you each year to assess your situation and discuss any change in circumstances or long-term goals. We will discuss any action you need to take or any specific areas of advice you need. We then update key elements of your plan to ensure it remains on track. 6

6 7

7 Advice for a particular need Whilst we believe financial planning is crucial to achieving the financial future you want, we also recognise that sometimes you need help with a particular question. You may have a particular financial problem that needs solving as a priority or questions about advice you ve been given in the past. No matter how big or small, we can help. PROTECTING YOU AND YOUR FAMILY Even if you have considerable wealth, changes to your health can have a significant impact on your financial circumstances, especially if you re unable to work. You may feel that your employer or personal policies provide you with sufficient cover, but it s always wise to check. We can review your arrangements and advise on any changes that may need to be made. Then you can be confident that you and your family are protected, should the worst ever happen. RETIREMENT You may have already thought about when you want to retire and how much income you ll need to enjoy the best that life has to offer. The challenge is ensuring you have the finances in place to achieve these goals. ESTATE PLANNING It is natural that many of us want to leave our wealth to those who matter the most. Having a well-managed estate can save time and legal costs in the long term, help avoid a large tax bill, and cushion the blow for those you leave behind. You may also need to consider later life planning. We can look at trusts as well as identify and minimise the tax liability on your estate, ensuring that the wealth you spent a lifetime building is there for you when you need it most and ultimately passes on to the people you want to have it. Decisions you make now can have a big impact on your retirement income and lifestyle so it s important to get the right advice. That s where we can help. We ll guide you through key decisions, advise you on tax-efficiency, and make sure you re saving enough into your pension so you can enjoy the retirement you deserve. 8

8 Investing for what matters most Our investment philosophy is founded on the simple idea that understanding your needs and providing flexible investment options will help you meet your financial goals. Your investments are diversified across a range of assets to ensure we maximise any opportunities, while managing risks in line with your requirements. Expertise where it matters We know having peace of mind that your investments are in experienced hands is important. With our investment management services, you can be sure your investments are receiving expert attention, specialist analysis, and access to leading fund managers. You benefit from a range of portfolio strategies, a dedicated Financial Planner and the reassurance that your portfolio is regularly monitored. ESTABLISHING YOUR RISK TOLERANCE To take advantage of potential opportunities, every decision has an element of risk. With this in mind, we aim to achieve consistent, competitive returns on your investments. We use our expertise to find the right blend between investment performance and longterm financial security. We do this by aligning our investment decisions with your risk tolerances and then actively monitor performance with regular contact to keep you informed. CONTINUOUSLY MONITORING YOUR PORTFOLIO Insight is fundamental to our investment philosophy. Our specialist Investment Team use in-depth independent research and strategic inputs plus their own skill and expertise to continually monitor market changes and the wider investment climate. This insight is used to monitor and govern your portfolio, making adjustments to ensure it meets your financial goals without over-exposing you to risk. Our team s processes and the outcomes for your investments are also monitored and governed by robust risk-management systems and oversight. KEEPING YOU INFORMED Our expertise enables us to cut through the noise of changes in regulation. We will keep you up to date with important information such as legislative or budget changes that may influence your investments. Every six months you will receive a clear, detailed statement of your portfolio. And every year you will also receive a tax information pack to help you complete your tax return. KEEPING YOU ON TRACK We will meet you regularly to understand whether there have been any changes in your personal circumstances that may influence the approach to your investments. We will then agree any changes that need to be made to ensure you stay on track. 9

9 Our investment management services What s right for one person may not be right for the next. That s why we have multiple approaches to investing your money. Our Discretionary and Advised investment options will provide you with a service that s right for you, your financial needs and preferences. Within our discretionary services, our Investment Managers make all the investment decisions on your behalf, regularly monitoring them and giving peace of mind that your portfolio is in experienced hands. Our advised service gives you oversight and involvement in investment decisions, with access to expert investment guidance and support. DISCRETIONARY INVESTMENT SERVICE With the expertise of a dedicated Financial Planner, our Discretionary Investment Service provides an agreed and controlled level of risk to preserve and grow your wealth over the long term. We do this by selecting a diverse range of assets and holding them in a unit trust, allowing you to manage Capital Gains Tax in an effective way. We monitor and adapt your portfolio so you can be sure investments are receiving expert attention. DISCRETIONARY PORTFOLIO SERVICE Our Discretionary Portfolio Service also has the expertise of a dedicated Financial Planner with a portfolio of carefully selected funds chosen for a blend of growth and income. Focused investment selection and asset allocation management, maximises the growth potential for your investments. Ongoing monitoring and adapting your portfolio through professional analysis, mean your investments are always receiving expert attention. BESPOKE PORTFOLIO SERVICE A personalised discretionary service, our Bespoke Portfolio Service provides the added expertise of a dedicated Investment Team who work with you to create a portfolio tailored to your specific preferences. This gives you greater flexibility to include specific securities, funds and assets held elsewhere. This highly personalised approach to investment management can seamlessly change with your requirements over time. ADVISED PORTFOLIO SERVICE With our Advised Portfolio Service you retain oversight of your investments. The portfolio is monitored for you and we automatically rebalance to an agreed asset allocation each year. We offer access to a dedicated Financial Planner and you can approve all investment decisions prior to implementation. Investments may go down in value as well as up and you may not get back the full amount invested. 10

10 Towry: working for you Success in life is easier if you have the right financial planning partner. We are a national, chartered-status wealth management firm, committed to maintaining our high professional standards. So you can be confident that you have access to all the specialist financial expertise you need, wherever you are in the UK. Professional support You have a team of professionally qualified financial experts working on your behalf. All our Financial Planners are supported by technical specialists, professionally qualified Wealth Planners and expert Investment Managers. This combined expertise helps us to deliver the best possible financial advice to all our clients. Excellence that comes from experience We are an award-winning wealth management firm employing around 900 people through a network of local offices across the UK. For over 50 years, we ve been providing our clients with expert financial planning, investment management and wealth advice. Today, we re proud that our many thousands of clients trust us to help shape their financial plans. Clear and simple fees Our fees represent the quality of our services, and the professionalism and dedication that our team bring to your finances. We re open and honest in everything we do from our first meeting to our regular reviews and updates on your investment progress. When we start working together, we ll be clear about what you may need to pay for from planning and advice to investing with us. We present a clear breakdown of costs for you to review and agree before we go ahead with any chargeable work. And naturally, there s no charge for your first meeting with us and no obligation to take up our services. 11

11 Let s talk We re here for you whenever you need us, and we re always pleased to help. Call us on , visit our website or to arrange a meeting.

12 telephone in person to find your nearest office visit social FINANCIAL PLANNING. WEALTH ADVICE. INVESTMENT MANAGEMENT. Towry House, Western Road, Bracknell RG12 1TL TA1588/1/January 2016

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