Welcome to Aspire. Expert financial advice for you

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1 Welcome to Aspire Expert financial advice for you

2 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 best possible place to match your individual circumstances both now and in the future. We do this by providing expert financial advice and building a financial plan which is tailored to fit your circumstances, focusing on your needs today, future goals and aspirations. Our advice covers the full range of financial areas, including retirement planning, protection and insurance, building an effective investment portfolio, long-term care planning, and mortgages to name just a few. We can provide a full holistic advice service or simply help you with just part of your financial planning the choice is yours. So, if you re looking for peace of mind and advice on how your financial plans can meet your aspirations, you re in safe hands with Aspire. Need expert financial or mortgage advice? Our highly trained and qualified financial advisers can give you tailored financial advice that will give you peace of mind both now and in the future. Good advice is worth its weight in gold

3 Our services As financial advisers our job is to make sure you have the financial plan you need to help you achieve your goals and aspirations and the right products that match that plan. However, before we even think about making any recommendations, we conduct a thorough fact find to ensure we understand your current circumstances and goals for the future. Then, and only then, do we put together a plan of action which is designed to help achieve your objectives and provide you with peace of mind. It may be a cliché, but our service is totally about what s best for you, not us. Our areas of expertise These are just some of the areas that we can help you with. Retirement planning Retirement should be a time to enjoy ourselves, not to worry about money, so our retirement planning service aims to help you do just that. Whether your retirement is some way off in the future and you need to set up a pension, you are approaching retirement, or indeed are already there, we can review your existing arrangements, identify any gaps and ensure your pension plans really do add up to the type of retirement you want. And because we are not tied to any one provider we can shop around to find the most suitable retirement related products from across the market. With the newfound freedom now available to retirees, that means giving you access to your pension pot when you retire, we ll help you make the right choices so that you don t end up in a difficult position later. You see, retirement planning is one of our expert subjects. As part of our service, we ll talk you through all your options, including the support available to you from the State, so that you take full advantage of any financial benefits which are available to you. A pension is a long-term investment and the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation. Wealth Management Our Wealth Management Service is designed for Clients with at least 250k of invested assets. Wealth Management clients are primarily concerned with minimising the amount of tax they pay on their investments and wealth preservation. These clients have relatively complex financial affairs that require an attentive service often involving us working with other professionals as part of a multi-disciplined team. The value of investments and the income from them may go down. You may not get the original amount invested. Inheritance tax planning Our inheritance tax planning service is designed to keep your hard earned money in the family and help avoid your loved ones having to pay a hefty tax on any inheritance you leave them. Through careful planning that s tailored to your individual needs, you can mitigate inheritance tax, or avoid it altogether, by arranging investments into trust, using life policies, changing your will, as well as through other different methods. It s worth saying at this point that when calculating your estate, it includes your house, car, savings, valuables etc., so please don t fall into the trap of thinking it doesn t affect you. When you consider that anything you leave your loved ones over the IHT allowance is charged at 40%, it is a lot of money for the tax man. The current allowance is 325,000 for 2015/16 tax year and is frozen to 2017/18. Additionally, a new main residence nil rate band is being introduced on a phased basis starting in 2017/18. We ll explain all this to you and help you minimise the financial impact on your loved ones.

4 Building an effective investment portfolio If you re looking to invest for the future then we can help put together an investment portfolio that meets your objectives. Whether you like to take risks with the aim to generate higher returns, or you don t like to take risks but still like the idea of getting better returns from your money than what s available via traditional savings accounts, we ll recommend the most suitable investment solutions for you. This could include investment bonds, unit trusts or even the latest WRAP and asset management systems that put together and manage a range of different funds that all work together to meet your needs. It goes without saying that we ll help you make the most of any tax allowances that are available, such as the New Individual Savings Accounts (NISAs) which enable you to shelter some of your savings from the taxman. The value of investments and the income from them may go down. You may not get the original amount invested. Mortgages A mortgage is probably the largest commitment you are likely to make, so we can help make sure you get the right one for your needs and ensure you don t pay over the odds. We have access to the whole of market mortgages, and use our knowledge and expertise to search through hundreds of different deals to find the right one for your individual needs. We have access to the major lenders, such as banks and building societies, as well as mortgage deals which aren t normally available to consumers directly. Your home may be repossessed if you do not keep up repayments on your mortgage For mortgages we may charge a fee. Our typical fee is 300. We also charge commission. The fee and commission will be confirmed to you before any work is carried out. Financial advice for your business Businesses require specialist financial advice such as making sure key people are protected in case of illness or death, help getting a group pension scheme set up, or group protection cover for your staff. We can provide the financial advice you need to make sure you have the right products for your business. Pension Auto Enrolment is hot on the agenda right now so if you run a business that employs staff, we can help you set up and run an employee pension scheme that meets the stringent requirements of The Pensions Regulator and which fits the specific needs of your business. Taxation planning There are numerous ways that you can make the most of the tax allowances available and keep your money away from the tax man. With our expertise, we can review your situation and plans, and then put together an effective plan to help you make the most of the opportunities available. When you consider the additional 45% income tax, 28% capital gains tax for higher rate tax payers and even 40% inheritance tax, there is lot to be gained by getting expert help. Tax treatment is based on individual circumstances and may be subject to change in the future. Long-term care planning Whether you are planning your own provision, acting as attorney, or assisting a family member with funding care fees, the process of funding suitable cover at home or considering a care home can be extremely daunting. Helping a loved one come to terms with the thought of long-term care can be very difficult in itself but this stress can be made much worse when it comes to ensuring care costs can be met. As financial advisers, we can help you by: Listening to your individual needs and helping to determine your priorities Providing advice and assistance regarding eligibility for NHS and state benefits Providing advice and recommendations on financial aspects of paying for care Addressing any IHT mitigation Providing support and information to everyone involved in the planning process Life is full of financial decisions

5 With expert help you could look forward to a bright future Equity Release Equity release refers to a range of products that let you access the equity (cash) tied up in your home if you are over the age of 55. You can take the money you release as a lump sum or, in several smaller amounts or as a combination of both. There are two equity release options: Lifetime mortgage: you take out a mortgage secured on your property provided it is your main residence, while retaining ownership. You can choose to ring-fence some of the value of your property as an inheritance for your family. You can choose to make repayments or let the interest roll-up. The loan amount and any accrued interest is paid back when you die or when you move into long-term care. Home reversion: you sell part, or all, of your home to a home reversion provider in return for a lump sum or regular payments. You have the right to continue living in the property until you die, rent free, but you have to agree to maintain and insure it. You can ring-fence a percentage of your property for later use, possibly for inheritance. The percentage you retain will always remain the same regardless of the change in property values, unless you decide to take further cash releases. At the end of the plan your property is sold and the sale proceeds are shared according to the remaining proportions of ownership. Insurance and protection for you and your loved ones We know protection and insurance isn t an easy subject to think about. However, once arranged, insurance and protection is designed to give you peace of mind that you will have financial protection against unfortunate things that life could throw at you. Having the right cover could be the best investment you make. There s a wide range of different types of insurance and protection available. This includes life cover which pays a lump sum to your loved ones should you die, critical illness cover which pays you a lump sum if you re diagnosed with certain critical illnesses, policies which will pay you an income if you re unable to work due to an accident or sickness, and home insurance which is designed to protect your home and its contents. As part of our service we can assess your individual circumstances and make sure you have the right cover for your individual needs, giving you peace of mind about the future. There are plenty of things to consider before releasing equity from your home as you will be reducing the amount of inheritance available for your family, so before taking a big step talk to us. We can help ensure you understand all the implications of this decision and make sure your future is as comfortable as possible with the best equity release products to meet your needs. Equity Release may require a lifetime mortgage or home reversion plan. To understand the features and risks, ask for a personalised illustration.

6 Our approach - advice with peace of mind We want you to rest assured knowing that you re in safe hands We are not tied to any one product provider so we can search the market to find the most suitable products for your needs. But, before we do anything, the first thing we will do is conduct a thorough fact find on your current financial circumstances, together with your aspirations for the future. We ll then put together a plan providing you with our recommendations, which includes the products which are most suitable for your needs. We ll explain everything in plain English, including details of what our service will include and our charges, and we will create a personal report providing you with recommendations and a plan of action which is totally tailored to your needs. If you have any questions at all, or you want to involve a close friend or family member, you only have to ask. Here s how it works Stage 1 Stage 2 Stage 3 Getting to know you Building a clear picture of your circumstances, your needs and your plans for the future Putting together a tailored plan A detailed financial plan that s designed to meet your individual needs and plans Financial Advice Recommending products that meet your needs How much does the advice cost? Our charging structure is based on the level of service you require. Once we have an understanding of your current circumstances and objectives, we will advise the basis of our charges before any chargeable work is carried out. Fees may be subject to VAT and we will advise you whether or not this is the case. What this means to you Whether the advice is for you, or your business, you can rest assured that you will receive financial advice that is to your individual needs. This includes: Expert advice on your individual needs, including access to a range of investment, protection and pension products as necessary to meet your requirements Agreeing with your adviser the frequency of meetings, as well as the type of information, reports, valuations, policy updates and market intelligence you require Access to WRAP platforms and asset allocation tools which are designed to make sure you have products that perfectly match your approach to risk A service agreement given at the outset which includes details of the service you will receive and our cost structure

7 So why choose us? About Aspire Aspire Financial Management Ltd is a team of highly qualified and experienced financial advisers who genuinely care about putting you into a better financial position, both now and in the future. Our ultimate aim is to help you achieve complete peace of mind knowing your finances are in the best possible place for your current circumstances and that you are covered for whatever could be around the corner. Coverage across the UK Our core offices are in Northampton and Cardiff, but we also have advisers who are based around the UK. Peace of mind Aspire Financial Management Ltd is a part of the Tenet Group. You may not have heard of Tenet, but they are one of the largest adviser groups in the UK. Tenet key facts One of the UK s largest adviser support groups - supporting hundreds of advisers nationwide. A robust and well-funded business - with major financial backing from Aviva, Friends Life (both part of the Aviva Group), Standard Life and Aegon. Originally established in but it was in 1992 that the current business took shape when the M&E Network (now TenetConnect) was formed. Based in Leeds, West Yorkshire - Tenet invests in quality people and has more than 250 staff. Awarded with an outstanding customer service award - by Investor in Customers in January Awarded with the Best Network award at the prestigious Money Marketing Awards You can find out more about Tenet by visiting Who are Tenet? Formed over 25 years ago, Tenet has a nationwide network of highly qualified financial advisers and mortgage brokers. As a member of Tenet we receive ongoing training and guidance to ensure the advice we give is both fair and suitable for our clients needs, taking account of market developments, product launches, and the requirements of our regulator, the Financial Conduct Authority. Tenet is also ultimately responsible for the advice we provide. So, if you re looking for quality financial advice that enables you to sleep at night knowing you have a financial plan in place, you have come to the right place.

8 Whatever your stage in life, your current financial situation, or your aspirations for the future, get in touch with Aspire and we ll give you the financial advice you need Contact us today At Aspire you can rest assured that you will get financial advice that s tailored to you, your individual needs, goals and aspirations for the years to come. If you d like to find out more about us and the financial advice we provide, please contact us. Write: ASPIRE FINANCIAL MANAGEMENT LTD Suite 2 Newton House Northampton Science Park Kings Park Road Moulton Park Northants NN3 6LG Call: To arrange an initial meeting with one of our financial advisers please call us on us directly at and a representative will respond to you. Registered in England under reference Registered office 5 Lister Hill, Horsforth, Leeds, LS18 5AZ

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