WEALTH MANAGEMENT FOR WEALTH CREATION AND PRESERVATION

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1 WEALTH MANAGEMENT FOR WEALTH CREATION AND PRESERVATION

2 PLANNING YOUR WEALTH MANAGEMENT STRATEGY Wealth creation and wealth preservation at LighthouseWealth we achieve this balance for our clients through our holistic approach to wealth management. As independent Wealth Management consultants we offer much more than investment advice as one of our High Net Worth clients we will take into account your whole financial situation in order to develop a complete approach to the management and growth of your wealth for you, your family and future generations. Wealth is the ability to fully experience life Henry David Thoreau

3 PROFESSIONAL ADVICE Because of the vast choice of financial products available in the UK our financial advisers are supported by researchers and administrators so you re always provided with up-to-the-minute information. Our expertise can be found in the following areas: Wealth Management Lifestyle Protection Tax Planning Employee Benefits Corporate Advice Bespoke Pensions As Independent Financial Advisers (IFAs), we are able to offer advice on any financial product available. That s because we are not tied to any companies products or services. So you can be sure that the advice we give is unbiased and is based on what is most suitable for you. UNIQUE BENEFITS Whether your requirements are corporate or personal, working with our financial advisers presents you with many benefits: Our independent status ensures an unbiased approach to financial advice We work as part of your financial team to deliver a comprehensive financial strategy Skilled in-house research teams means our advice is timely and relevant We provide a single port of call for all of your financial services We provide access to bespoke Self Invested Personal Pension (SIPP) advice We carefully asses your attitude to risk for strategic investment proposals Our reputation and experience puts you in safe hands Our IFAs are carefully selected and given ongoing training and development We invite you to discover how we can help you finance your future

4 WEALTH MANAGEMENT Pensions, Investments and Savings are the three key elements that make up a secure financial future. With the right combination you re positioned to deal with whatever the future may hold. Our financial advisers can help you tailor your portfolio of financial products to perfectly fit the circumstances of you, your family or your business. Pensions Correct retirement planning is critical to your future financial security. We believe in outlining your retirement options in plain language to make all the benefits and implications as clear as possible. We ll guide you through the effects both pre and post retirement, and also make you aware of any legislation that may affect you. Investments and savings Sound investment planning is an essential step towards reaching your financial objectives. We can help you develop investment strategies that combine both short and long-term objectives, thus producing a well balanced portfolio and a total wealth management solution. Our aim is to advise you on the range of investment options that best suit your requirements, desired outcome and attitude to risk. Check Point Why not speak to us to find out about: Financial planning Maximising your inheritance for future generations Retirement planning Savings plans Preserving and enhancing your wealth Minimising your tax burden

5 LIFESTYLE PROTECTION Everyone is familiar with insurance. In fact, most people already take advantage of household, motor and travel insurance. But when you consider what s really important in life, such as your family, health and career, there s a very important question that should be addressed. Are they insured? Safeguarding the future. We can help you by providing expert advice on how to protect your income and the financial future of you and your family in the event of serious illness or death. Our advisers can develop a plan that will meet the needs of you and your family. Check Point For complete peace of mind, make sure you have discussed protecting your income and your lifestyle with us. Permanent Health Insurance Private Medical Insurance Life Assurance Critical Illness Cover

6 TAX PLANNING Tax is one of the few certainties in life. But with the right advice, it needn t be a drain on your income. Working in conjunction with your tax adviser we offer advice on income tax, inheritance tax and capital gains tax. Our bespoke service enables clients to address taxation issues by investing in a variety of schemes that can add diversity to their portfolio whilst achieving tax relief in some cases of up to 40%. Working in conjunction with your tax accountant we can offer advice on investments in Venture Capital Trusts, Enterprise Investment Schemes, and Film Partnerships. These types of investments use legislation introduced by the government to encourage the development of the UK economy, whilst enabling you to offset your income tax liability. Check Point If minimising your tax burden is important to you then make sure you talk to our IFAs about: Venture Capital Trusts Enterprise Investment Schemes Film Partnerships Inheritance Tax Schemes Business Property Relief Schemes Please bear in mind that these products are not suitable for everyone. Such plans can only be considered after appropriate advice has been given taking into account your individual circumstances.

7 MORTGAGE SERVICES One of the core financial decisions you will make will be which mortgage to choose. There are literally 1000 s of options available. With a multitude of fixed rate, variable rate, cash back and tracker mortgages to choose from, including both commercial and residential lending, it can be a confusing and time consuming choice to make. Check Point If you are reviewing your mortgage or looking for a new mortgage then why not discuss the following with our dedicated mortgage team: Purchases Re mortgages Second homes Capital raising up to 125% Foreign mortgages Offset mortgages Holiday homes Euro mortgages Buy to Let Let to buys Think carefully about securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage. For foreign and Euro mortgages the exchange rate may increase the sterling equivalent of your debt.

8 EMPLOYEE BENEFITS Employees are the single most important asset of any company and should be valued, protected and nurtured accordingly. Let them know what they re worth Everyone wants to recruit and retain committed and dedicated employees. But what exactly is it that gives one organisation the edge over another? In many cases, it s the fact that the employer is willing to invest in them; both in terms of time, training and in particular an attractive remuneration package. This is where we can step in, by helping you create the kind of employee benefits that are right for your workforce and right for your company. Many employers make significant investments in providing these benefits, without ever letting staff know their true worth our assistance, as required, can provide a more visible spend, as part of your internal communication strategy. Check Point: If you currently administer or are looking to administer an Employee Benefits scheme then speak to our IFAs about the services we can provide for you and your employees. Pension Schemes Group Life Assurance Group Income Protection Group Critical Illness Private Medical Insurance (PMI) Dental Insurance

9 CORPORATE ADVICE The only constant in business is change. In today s business climate our clients are facing changes in terms of legislation and regulatory requirements combined with social and technological change. Our financial advisers can help you identify what will and won t bear an impact on your business. Working with our professional advisers will give you the reassurance that you ve addressed the potential financial weaknesses facing the operation of your business whilst aiding your ability to work towards securing its success. Check Point Why not talk to one of our IFAs with regards to the range of corporate advice available: Contingency planning in the event of the illness or death of Company Directors, Partners or Key Personnel such as: Keyman Insurance Shareholder Protection Partnership Protection Company Investments Employee Benefits Auditing Private Medical Insurance Commercial Mortgages Trust Planning Stakeholder Pensions Company Pension Schemes Directors Pensions Small Self Administered Schemes (SSAS) Self Invested Personal Pensions (SIPP)

10 BESPOKE PENSIONS A SIPP is a Self Invested Personal Pension designed to take full advantage of favourable tax treatments whilst providing you with greater influence over where your money is invested. A pension is potentially your most valuable asset and the investment returns which this asset achieves will eventually affect the level of pension in retirement. By offering a flexible bespoke pensions service in tandem with accountancy firms, solicitors and other professional connections City Trustees Ltd has become a leading UK Pensioneer Trustee. As one of our sister companies, City Trustees Ltd were established to provide trustee and administration services for Small Self Administered Schemes (SSAS) and Self Invested Personal Pensions (SIPP). The Company is an approved Pensioneer Trustee and the team are experienced pension administrators providing a friendly and efficient service. On hand are technical consultants to help develop ideas and ensure full understanding and maximum benefits gained. We will work with City Trustees on your behalf to help you set up a truly bespoke pension arrangement. For more information on bespoke pension service provided by City Trustees please or visit

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12 LighthouseWealth (Head Office) 26 Throgmorton Street London EC2 2AN T: The value of investments may go down as well as up and investors may not get back the full amount invested Past performance is no guarantee of future returns The content of this brochure does not constitute advice. Independent Financial Advice should be sought regarding the suitability of these products. The FSA do not regulate taxation The FSA do not regulate some mortagages LighthouseWealth Limited is an appointed representative of LighthouseXpress Limited, which is authorised and regulated by the Financial Services Authority. Correspondence address: Rydon House Pynes Hill, Exeter, Devon EX2 5AZ

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