FINANCIAL PLANNING & WEALTH MANAGEMENT MADE FOR YOU

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1 FINANCIAL PLANNING & WEALTH MANAGEMENT MADE FOR YOU

2

3 MADE FOR YOU At Charles Stanley we have a different approach to Financial Planning and Wealth Management. Rather than fitting you into someone else s financial model, we custom build a service around you. ABOUT CHARLES STANLEY A member of the London Stock Exchange since 1852, Charles Stanley has grown to become one of the most respected UK firms in the field of private client investment management and financial planning, consistently winning industry praise for its high level of service. With over 30 offices across the UK, several with dedicated financial planning capability, we provide comprehensive geographical coverage of the UK marketplace. FINANCIAL PLANNING & WEALTH MANAGEMENT SERVICE Your personal service starts with an introduction to a financial planning consultant, who will assemble a comprehensive picture of exactly where you are and, just as importantly, your goals and aspirations. They will then design and implement a strategy that is built to fit your requirements; one that is unique to you. CHARLES STANLEY S REGULATORY STATUS Charles Stanley is authorised and regulated by the Financial Conduct Authority. We provide a restricted advice service, which means that whilst we offer objective advice based on a broad and impartial analysis of the relevant market on most aspects of your financial affairs, we may not review or offer advice on all retail investment products. We may also recommend products and services selected from within the Charles Stanley Group, but only if such products or services meet your requirements and are suitable for your needs. We are one of the UK s leading independently owned, full service investment management and financial planning groups, advising on substantial client funds. Prudent management, an uncompromising commitment to our clients and our long-term financial stability drive our corporate success. Our clients benefit from our objective advice, high quality service and the close working relationship we maintain with them. MARK BAILEY GUITARS Mark Bailey started making guitars at the age of 18. By 1998 he d set up his own company making guitars in a double-decker bus. Mark now produces more than sixty guitars a year. Some acoustic, some electric, some built to a performer s exact requirements. All of them are masterpieces in sound and wood. Once a month his customers can even build their own guitars under his supervision. We can t claim to be as rock n roll, but we do claim the same attention to detail and delivery of a quality that is Made for You. 01

4 FINANCIAL PLANNING AND WEALTH MANAGEMENT FOR INDIVIDUALS In designing your financial strategy we will cover most aspects of your financial affairs and consider the whole marketplace. CHARLES STANLEY FINANCIAL PLANNING & WEALTH MANAGEMENT Our services seek to provide you with advice on and solutions to your broader financial arrangements. We offer advice on the following: Investment management through our Wealth Management Service Personal and occupational pensions Retirement planning, including annuity purchase and pension drawdown Onshore & Offshore insurance company investment bonds Individual Savings Accounts (ISAs) and other tax efficient investments Protection planning Trustee and tax planning including Inheritance Tax and Capital Gains Tax planning Charles Stanley s Financial Planning department employs highly qualified professional advisers, to offer you objective advice, based on a broad and impartial analysis of the relevant market, on most aspects of your financial affairs. We will work closely with any existing investment management team and your professional advisers. Rather than simply recommending investments, we look at every relevant aspect of your finances, including your personal and family circumstances, your tax position, and your attitude to the risk/reward balance. In discussion with you, we obtain the information we need to establish your goals and the strategies to deliver both your short-term and longterm ambitions. Offering a broad and impartial analysis of the market will allow you to choose from a wide range of options giving the greatest possible likelihood of achieving your individual requirements. The Charles Stanley approach is to assess your situation, consider your preferences and only then design a solution to satisfy your unique circumstances. This will create something individual, suited to you and your specific requirements. We may recommend products and services selected from within the Charles Stanley Group, but only if such products or services meet your requirements and are suitable for your needs. Charles Stanley s Financial Planning and Wealth Management department offers three levels of service, each designed to meet our clients individual requirements and are suitable for your needs. The Wealth Management Service The Financial Planning Service Flexible Financial Advice Service In the pages that follow, we explain each of these areas of specialisation and articulate the differentiation between them. 02

5 THE WEALTH MANAGEMENT SERVICE The term Wealth Management is used by a variety of firms with numerous connotations. At Charles Stanley we believe the meaning is very simple: the integration of financial advice with investment management solutions. THE CHARLES STANLEY WEALTH MANAGEMENT SERVICE Our Wealth Management Service incorporates The Financial Planning Service with a broad range of investment management solutions available from Charles Stanley, within one chargeable structure. We will provide advice on your overall financial wealth in order to help you maximise your investment opportunities. We will address all the areas of financial advice, including: Savings and investments Retirement planning Protection for you and your family Advice for Trustees Estate Planning and the mitigation of Inheritance Tax Tax efficient investments Creating trusts for you and your family The Wealth Management Service allows you to hold your investments within ISAs, pension policies (including SIPPs), Charles Stanley general investment accounts, Trust wrappers and onshore or offshore investment bonds. This service is likely to be most appropriate for clients with 500,000 or more in investible assets, including pensions, Trusts, ISAs and general investment portfolios across a family group. Details of the investment management services available for your Wealth Management account are detailed on pages 4 and 5. Your financial planning consultant will discuss these with you. The charges for our Wealth Management Service are: Time-costed fees for our initial financial planning advice (based on our prevailing hourly rates). An ad valorem fee based on the assets held within our Wealth Management Service for the cost of annual investment management and ongoing financial planning advice in relation to those assets. Fees will be agreed with you in advance. 03

6 THE WEALTH MANAGEMENT SERVICE Wealth Management clients have access to an extensive range of Charles Stanley investment management services. BESPOKE DISCRETIONARY PORTOLIO MANAGEMENT This is the principal service for which Charles Stanley is renowned and allows you to hand over the day-to-day management of your investment portfolio to your investment manager, who will monitor your holdings and make the investment decisions on your behalf. In matching your portfolio to your individual objectives and personal risk tolerances, your investment manager will consider all asset classes. This service brings you comprehensive and continuous portfolio management, as well as a range of other facilities. We will discuss your investment objectives and requirements with you in advance and formulate guidelines for your agreement. Our investment decisions are then made within these guidelines, which are reviewed periodically. Further details of this service are available in our Discretionary Investment Management brochure. DISCRETIONARY FUND MANAGEMENT MODEL PORTFOLIO SERVICE This is a discretionary investment management service which provides clients with a portfolio directly invested in UK equities and bonds, with collectives (funds) providing exposure to international equities & bonds, commercial property and hedge funds. The DFM Model Portfolio service consists of three investment strategies; Growth, Income and Balanced. Each portfolio is actively managed with the manager leveraging off the in-house expertise of: Matterley team for UK equities Charles Stanley bond division for fixed interest Collectives Portfolio Service team for international exposure The asset allocation is determined by the relevant Wealth Management Association benchmark (FTSE WMA). The Model Portfolio service may be suitable for clients who want actively managed direct equities and bonds in a structured portfolio. The minimum investment is 50,000. Further details of this service can be provided by your financial adviser. 04

7 COLLECTIVES PORTFOLIO SERVICE The Collectives Portfolio Service (CPS) is a discretionary investment management service, which invests solely in funds and provides clients with a managed exposure to bestin-class managers. Your portfolio will be constructed and monitored by a dedicated team of Charles Stanley investment managers and analysts. The team conducts extensive research to identify the most rewarding investment opportunities with the aim of satisfying your investment objectives whilst taking an appropriate level of risk. When constructing your CPS portfolio, we consider first and foremost what you wish to achieve from your investments and how much risk you are prepared to take. We aim to achieve investment flexibility by offering portfolios across income, growth and balanced objectives intertwined with a specific risk profile. We take into account three strategic investment objectives and four levels of risk to create twelve different model portfolios. We subscribe to the risk profiling service provided by Distribution Technology, which maps the CPS strategies against Distribution Technology s pre-defined risk categories on a scale of one to ten. One is lowest risk, ten is highest. The categories and the Distribution Technology rating are prominently displayed on our monthly information sheets. CPS has a minimum investment of 30,000. Further details of this service are available in our Collectives Portfolio Service brochure. BENEFITS OF OUR DISCRETIONARY INVESTMENT SERVICES (described on pages 4 and 5 of this brochure) INCLUDE: Comprehensive and actively managed investment solutions Portfolios to suit your risk appetite and investment objectives Actively managed asset allocation across multiple asset classes Access to market-leading fund managers Detailed biannual valutions and reporting Online access to portfolio valuations Full transparency of the portfolio composition and activity 05

8 CHARLES STANLEY FINANCIAL PLANNING SERVICES Clients financial affairs are constantly changing and evolving and to meet these challenges we believe that your financial strategy needs to adapt similarly to changes in your situation. The Financial Planning Service is designed for clients who, whilst not seeking an on-going wealth management service, nevertheless wish to have their financial affairs reviewed on a regular basis in order to maximise the opportunities that are available in the marketplace. The Financial Planning Service offers clients: Personal access to your own dedicated financial planning consultant and support team. Regular communication on the agreed aspects of your financial affairs. Bulletins and newsletters on topics that are relevant to your personal situation. Communication on changes to tax and pension regulations that are relevant to you. Annual face-to-face meetings to discuss your situation. Biannual review of your investments and products. Research notes on new products that may be relevant to your risk profile and that we believe may be of interest to you. To achieve this level of service, we will: Gather sufficient information in order to provide advice on those facets of your financial affairs that you wish us to address. Discuss your financial planning objectives, consider the options available to you and advise you on a suitable approach to meet your needs. Research and source suitable products and providers to meet your requirements. Produce a personalised report setting out our recommendations and strategy. Provide ongoing advice and service. We will charge for this service through some or all of the following: An annual fee. Time-costed fees for providing advice (based on our prevailing hourly rates). Fees for arranging your transactions with product providers. Ongoing adviser fees for the provision of advice, care and maintenance. Fees will be agreed with you in advance. 06

9 CHARLES STANLEY FINANCIAL PLANNING SERVICES Certain clients may prefer to manage their own financial affairs but seek advice from time to time. The Flexible Financial Advice Service is designed for those clients who are seeking advice on the whole or part of their financial affairs but do not wish for, or do not have the need for, access to on-going financial planning advice. We will: Gather sufficient information in order to provide advice on those facets of your financial affairs that you wish us to address. Discuss your financial planning objectives, consider the options available to you and advise you on a suitable approach to meet your needs. Research and source suitable products and services to meet your requirements. Provide you with a written, personalised report and strategy for you. Provide you with an annual valuation of all products and investments held on our valuation system. Additional advice or services will be charged at our current hourly rate. Charges: We will charge a fee (based on our prevailing hourly rates) for providing advice. We may receive fees for arranging your transactions with product providers should you choose to arrange them through us. Fees will be agreed with you in advance. 07

10 FURTHER INFORMATION This brochure should be read in conjunction with Our Financial Planning Services and Business Terms and Wealth Management & Financial Planning About the Cost of Our Services. If you would like to know more about any of the services mentioned in this brochure, you may be interested in referring to one of our brochures, listed below: The Collectives Portfolio Service Investing for Lifetime Support & Care Charities, Charitable Trusts & Foundations ISA Services Investing for Inheritance The Charles Stanley Alpha SIPP The EBS SIPP Please contact a financial planning consultant, at any of the addresses overleaf, who will be happy to provide you with information. Alternatively, you can request copies by to fp.info@charles-stanley.co.uk or view them on our website: You should be aware that the value of investments and the income from them may fall as well as rise, you may not get back the amount you originally invested and the capital invested is at risk. The tax treatments of the investments, their wrappers (i.e. ISAs & SIPPs), trusts, products and services listed in this brochure are subject to change in future; in any event, the benefits of such tax treatments would depend on your individual circumstances. If you have any doubt as to the suitability of an investment, please talk to your financial planning consultant. Charles Stanley, as a company authorised and regulated by the Financial Conduct Authority, is acutely aware of the need to safeguard clients financial interests. First, your assets are carefully segregated and ring-fenced from the assets of the firm. Secondly, we carry substantial insurance that provides cover for loss through events such as theft, fire, fraud or negligence. Finally, if a firm is unable or likely to be unable to pay claims made against it, you may qualify as an eligible claimant under the Financial Services Compensation Scheme (FSCS). In such instances, the FSCS may pay compensation to you, the amount of which depends on the type of claim. Further details about whether you may qualify as an eligible claimant and the compensation available under the FSCS, are available from its website or by telephone

11 CONTACT DETAILS For more Financial Planning & Wealth Management information please contact a financial planning consultant at any of the following offices: LONDON HEAD OFFICE 25 Luke Street, London, EC2A 4AR BIRMINGHAM 55 Calthorpe Road, Edgbaston, Birmingham, B15 1TH EDINBURGH 2 Multrees Walk, St Andrew Square, Edinburgh, EH1 3DQ GUILDFORD Chertsey Street, Guildford, Surrey, GU1 4HL IPSWICH 33 Lower Brook Street Ipswich, IP4 1AQ LEEDS 14 King Street, Leeds, LS1 2HL LEICESTER Mercury Place, Leicester, LE1 1QG SOUTHAMPTON Latimer House, 5-7 Cumberland Place, Southampton, SO15 2BH OUR OFFICES Bath, Bedford, Beverley, Birmingham, Bournemouth, Brighton & Hove, Cambridge, Cirencester, Dorchester, Eastbourne, Edinburgh, Exeter, Guildford, Ipswich, Isle of Wight, Leeds, Leicester, Liverpool, London (Head Office), Manchester, Milton Keynes, Newbury, Norwich, Nottingham, Oxford, Plymouth, Reading, Southampton, Southend-on-Sea, Truro, Tunbridge Wells, Wimborne.

12 30.03 February 2014 is registered in England No Registered Office: 25 Luke Street, London EC2A 4AR, 25 Luke Street, London EC2A 4AR T F DX BROADGATE-1 E fp.info@charles-stanley.co.uk Authorised and regulated by the Financial Conduct Authority. Member of the London Stock Exchange, the London International Financial Futures and Options Exchange and the International Capital Market Association., EBS Management PLC, Alpha Trustees Limited are wholly owned subsidiaries of Charles Stanley Group PLC.

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