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1 Financial Planning Group Truly Bespoke, Truly Independent

2 Cottons Financial Planning Group Ltd is a specialist business; providing financial services and advice to both individuals and companies all over the UK. Our mission is to provide the very best advice available to meet the unique and complex needs of our clients. By very nature some clients require more sophisticated support from their adviser than is widely available. We offer a range of services including: Financial Planning We provide bespoke, individual and independent advice on a vast range of financial needs for both Private and Corporate clients. Mortgages Our aim is to find you the mortgage that is the most suitable to your circumstances, needs and preferences. Legal Services We offer bespoke legal advice for both individuals and businesses from qualified legal professionals within their field. We give fully independent advice and are committed to providing bespoke solutions that meets your needs. Commercial Insurance We always work in the best interests of our clients. We re experts at finding you the best insurance deal. Our purpose is to exceed your expectations in the level of advice and on-going support that you receive from us. We achieve this by limiting the number of clients for each of our advisers and by the matrix of other professional partners we work alongside to fully cater for your needs.

3 Financial Planning We provide bespoke, individual and independent advice on a vast range of financial needs. All Cottons advisers adopt a flexible approach to work around your busy schedule. Their current qualifications and experience are testament to their approach ensuring every client gets the best outcome from any given financial scenario. Private Clients Corporate Clients Pre-Retirement planning We will show you all the different ways to save for Tax-efficient Investing Whether you are looking for growth or income, we Group Retirement Planning We can help you run a pension plan for your employees Key Person & Loan Protection We will look at how you can bring stability back into retirement. By asking the right questions about your future you ll begin to see more clearly how to maximise your potential retirement fund. Inheritance tax planning We will help you plan for any inheritance tax liability and show you how the assets that you have built up during your lifetime can be passed on to your family. Post-Retirement planning We will help you explore the various ways to use your pension fund in order to provide you with an income in the future. will help you build a series of tax-efficient investments. Tax rules can change in the future. Protection planning We will explain how we can help to make sure you and your family are taken care of financially should the worst happen. Care planning We will help you look after yourself with medical care now and long-term care in the future. and will deal with them directly, leaving you free to concentrate on running your business. Succession Planning We will help you plan the future of your business for when it comes to the time that you are either no longer able to run your company or no longer wish to do so. Share Protection We will explain how you can protect against losing control of your business to a third party and show you how we can help you to purchase a deceased colleagues shares. your business in the unfortunate event of a key person dying. This includes discussing ways of protecting outstanding business loans and replacing the crucial employee in your company. Employee Benefits Whether you want to offer private healthcare or other P11D benefits to your employees, we can help you work out a plan and a budget to suit your requirements.

4 Cottons Mortgages Mortgage Types At Cottons Financial Planning Ltd our advice is centred on the needs of the customer Truly Bespoke, Truly Independent. With a mortgage market as competitive as the UK s it is as important as ever to seek advice from an expert. With lenders now becoming more innovative with their products the market can be confusing to even the most financially aware. Repayment Mortgage This is a mortgage in which the capital borrowed is repaid gradually over the period of the loan. The capital is paid in monthly installments together with an amount of interest. The amount of capital which is repaid gradually increases over the years while the amount of interest goes down. Provided you make all your repayments up to the end of the mortgage term, you are guaranteed to clear the full amount borrowed. The majority of residential mortgages are on a repayment basis. Interest Only Mortgage With this type of mortgage, you pay interest on the loan in monthly installments to the lender. Instead of repaying the loan each month, you can opt to pay into a longterm investment or savings plan which should grow enough to clear the loan at the end of the mortgage term. However, if your investment doesn t grow as planned or the property value falls, you will have an equity shortfall to fund at maturity. Opting for an interest- only mortgage whilst reducing servicing payments can therefore involve accepting a significant degree of risk. Buy to let mortgages tend to be on an interest only basis with the loan being paid off with the proceeds of the eventual sale of the property. Fixed Rates As the name suggest, the interest rate is set at a certain level for a set period this is usually two, three or five years, although occasionally longer-term fixed rates are available. During that period your rate is guaranteed not to change. When it comes to an end you will usually move on to your lender s standard variable rate or (SVR). Tracker Rates The rate you pay is attached to another rate, usually the Bank of England base rate. It is a set margin below or above that rate for a set period for example, 1% above base rate for five years. During that time it moves up and down if the other rate changes. Some trackers track rates set by the lender and some track the London inter-bank offered rate or (LIBOR). Discount Rates The interest rate is a set margin below the lender s SVR for a set period, and during that time it moves up and down as the SVR changes. Discount rates are normally for two or three years. Offset Mortgages Your savings will be offset against your outstanding mortgage. Your current account, savings account or both are linked to your mortgage. Each month, the amount in these accounts is offset against your outstanding mortgage before working out the interest you owe. You are unlikely to earn interest on your savings which are offset against your mortgage. Offset mortgages may help some people reduce the term of their mortgage. Flexible Mortgages Usually a variable rate mortgage, with flexible features such as allowing overpayments, underpayments and payment holidays. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Finding the right mortgage for you Our aim is to find you the mortgage that is the most suitable to your needs, circumstances and preferences. Buying or re-mortgaging a property can be a huge decision, it is essential that you receive the most appropriate advice from start to finish. At Cottons we have access to the whole of the market. We offer the following; Property Purchase First Time Buyers Re-mortgages Debt Consolidation Buy to Let Commercial Mortgage Commercial Insurance Equity Release Family Income Benefit Buildings & Contents Insurance Landlords Insurance Life Protection Critical Illness Cover Income Protection We plan to exceed your expectations in the service we provide. Our focus is on building lasting relationships with all of our clients; with our main goal to help you reach your financial goals. Commercial Lending With high-street lenders tightening their criteria and lending in general becoming harder to access, Cottons have now developed a specialist team to handle Commercial Lending enquiries. Whether clients are looking to arrange finance for the purchase of property or to invest into a business, we have put together a network of contacts who can assist in raising the capital they require. This could be sourcing short-term finance for buying properties at auction, or arranging a commercial facility to build a property portfolio, or dealing with both high street banks and specialist lenders to provide tailored finance for investing in or expanding a business. We also work with private banks for bespoke facilities where appropriate. Whilst rates and fees vary depending on the deal and its requirements, we will always work to obtain the most competitive terms for clients.

5 Cottons Legal Services Now offering bespoke legal advice for both individuals and businesses from qualified legal professionals within their field. At Cottons Legal Services we offer the same values and beliefs to our personal clients as we do to our corporate clients. We are one of the most trusted legal firms in the North West providing best in class advice with open and transparent pricing. Our ultimate aim is to achieve a successful outcome for you.. Services For Your Business Corporate & Commercial Law Commercial Property Succession & Tax Planning Commercial Dispute Resolution Solicitors for Business Owner Managers Employment Services For You Conveyancing Wills, Trusts, Probate Family Law Employment Personal Dispute Personal Injury Solicitors for You We ll tell you how it is, with honest opinions and advice in jargon-free, plain English. Everybody at Cottons Legal Services makes a difference to the success of your business. We keep you updated at every step of the way, so you ll always be clear on the progress that s been made, and we re open and transparent about our fees, which means no hidden charges. Advice from any Cottons Legal Adviser will be clear, easy to understand and delivered when promised. Our team has the knowledge and experience to understand your issues and we do everything in our power to achieve successful results for our clients.

6 Commercial Insurance Insurance is the only reliable way to protect ourselves and our businesses against the financial consequences of many unwelcome disasters. Without it, we risk our own financial security and that of our employees, suppliers and shareholders. Careful planning is essential and we offer a professional service that caters to companies of all sizes and business sectors. As an Independent Insurance Broker, we always work in the best interests of our clients. We re experts at finding you the best insurance deal. Tailored service Through a review of your personal or business requirements, we aim to provide the right level of insurance cover and service at the lowest market price. Why pay more? Value for money We have access to all major insurance companies and our team of broker technicians constantly monitor market rates. We will respond to your individual or business needs We search the market so you don t have to. Easy to deal with To avoid duplication and save you time, a dedicated client broker is available to answer your questions and arrange instant insurance cover for you or your business. Using an adviser can make all the difference. Picking the cheapest insurance cover may be easy but picking the right insurance cover is much less straightforward. It doesn t matter how cheap a policy might be, if it doesn t give you the cover you need when you need it, it could prove an expensive mistake. Commercial Insurance Manufacturing Construction & Building Trade Cargo / Goods in Transit Chemicals Directors & Officers Precision Engineering Food & Drink Freight / Shipping Haulage Industrial Fleet & Commercial Motor Churches Petrol Retailers Commercial Property Landlord Personal Insurance Home & Contents Yachts / Marine Homes Overseas Private Motor Personal Collections Annual Travel And remember, with access to all major insurance companies we are able to select from a whole range of policies some of which may not be available to you direct.

7 We d love the opportunity for a face to face meeting to put forward our proposals. Please feel free to visit our website Telephone Head Office 5th Floor, 1 Lowry Plaza, The Quays, Manchester M50 3UB Follow Join Us facebook.com/cottonsfp Cottons Financial Planning Group Ltd. is authorised and regulated by the financial conduct authority. (FCA No:542629) Cottons Financial Planning Group Limited is a company registered in England and Wales. Registered Office: 1 Lowry Plaza, The Quays Manchester, M50 3UB. Registered Company Number: Cottons Commercial Ins UK Ltd. is an appointed representative of Cottons Financial Planning Group Ltd. (FCA No: )

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