Chartered Financial Planners. Simplifying your financial life. EXPERT ADVICE. PROFESSIONALLY DELIVERED

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1 Chartered Financial Planners. Simplifying your financial life. EXPERT ADVICE. PROFESSIONALLY DELIVERED

2 02 TIME TO ENJOY Through hard work and unique talent you have generated wealth. A relationship with us will ensure you get the time you deserve to enjoy it. Life s for living and we get that.

3 WELCOME TO INDEX WEALTH MANAGEMENT Simplifying your financial life Contents 06 LET S START WITH YOU You d like to simplify your financial life. 08 SO HOW CAN WE HELP YOU? Index Wealth Management takes care of the financial interests of a number of successful families WHAT WE PROMISE To use the best, unbiased wealth management practices. OBJECTIVE, FEE-ONLY ADVICE As fee-only advisors, we are uniquely placed to give you truly objective advice HOW WE WORK The five main ways we can help you. THE SERVICES WE OFFER Our integrated full service advice covers all areas of wealth management. 14 OUR INVESTMENT PHILOSOPHY To create a bespoke investment portfolio for every client. 20 PARTNERS WE WORK WITH As independent advisors, we re free to choose from an unlimited number of portfolio options.

4 06 LET S START WITH YOU 01. You d like to simplify your financial life. You have clear financial and life goals which are important to you. PROTECTION Like some of our clients, you may be a serial entrepreneur who has built up and sold a number of businesses. Alternatively you may have acquired capital over time or through a life event. As a custodian of wealth, you want to support your family and pass it on to the next generation, in the best possible way. You welcome and recognise the value of expert advice and professional business relationships. You want to feel both excited and reassured about your financial future. Our experience and meticulous planning ensures your wealth is protected by a shell of expertise that has no comparison. Your security is our passion. You want to be able to relax about your money and focus on what s really important to you. You earn more than 100,000 a year. Or you own investable assets (including pension) of 1,000,000. Or you have plans to build assets on this scale. If this sounds like you and you d like to know more about being part of our privileged community, we d love to meet you to talk about your goals and needs.

5 08 SO HOW CAN WE HELP YOU? 02. We take care of the financial interests of a number of successful families. Understanding their unique needs and demands, we help them protect and grow their core capital, generate income when it s needed and enjoy the lifestyle they want. By restricting our service to those for whom we can truly add value, we develop lifetime relationships with our clients. Our values: making things better, keeping them simple, being open and staying committed, drive every aspect of what we do. DIRECTION Working as fee-only advisors, we are uniquely placed to provide truly objective advice. True care and attention to the financial interests of our clients. Drawing on Nobel prize-winning investment strategies which reduce risk and increase return, we have privileged access to the best funds and minds of the financial world. This can dramatically change the way our clients think about investing and enable them to make smarter decisions about their money. Working with you to establish the right direction for you. If things change or a new requirement is introduced, we ll be there with you, to rethink and adapt the right strategy for you. Always.

6 w 10 WHAT WE PROMISE 03. To use the best, unbiased wealth management practices to help you preserve, grow and eventually transfer your wealth to future generations. Our commitment to a long-term relationship with you lies at the heart of our service. This results in the following unique advantages. 01 Limiting client numbers means we concentrate on trusted relationships, personal service, long-term interests and lifetime goals. We grow our business only by recommendation. 02 Our fee-only approach avoids conflict of interest and potential abuse of commission arrangements. Personal lifetime cash flow forecast (Magic Number), consolidation, unlimited meetings, liaison with professional advisors and a lifetime relationship are all included. 03 Our alliances with highly qualified professionals give you access to specialised, integrated advice on legal issues, trusts and estates and personal tax planning. DYNAMIC ENERGY Our team is a tight unit. We all work together to provide the focused level of service that our clients deserve. We are truly conscientious and are all experts in our field. We really know our stuff.

7 12 HOW WE WORK 04. Here are the five main ways INDIVIDUAL we can help you. Our clients are unique. We absolutely know our clients and we truly understand their needs. Only ever providing tailored solutions that reflect individual requirements. 01 GETTING FINANCIALLY WELL ORGANISED 02 SIMPLIFYING YOUR LIFE 03 CREATING YOUR INVESTMENT PLAN 04 DELIVERING A SUCCESSFUL INVESTMENT EXPERIENCE 05 MAINTAINING DISCIPLINE Through a structured series of discovery, planning and review meetings, we help you to organise your financial affairs to meet your goals. We really get to know and understand you, your values and what s important to you, so that we can offer you the best lifetime advice. This is crucial to what we do. Provided there are no significant tax implications or financial penalties, consolidating your accounts saves time, money and complexity. After assessing your goals and circumstances, we set long-term investment objectives, plan your asset allocation, select your investment approach and build your portfolio. Conventional wisdom says you need a forecast to be a successful investor. We say that predicting the future doesn t work. By accepting a capital market rate of return, everyone can have a successful investment experience. The world of financial advertising continually promises easy money. Our clients are comfortable with the capital market rate of return and reassured by the way we carefully measure the progress of their portfolios. Our annual consulting service covers continual review, rebalancing and support - tailored to your individual needs.

8 14 OUR INVESTMENT PHILOSOPHY 05. Using Nobel Prize-winning financial and economic research, our objective is to create a portfolio that matches your risk tolerance, investment horizon and objectives with the highest level of return. WE CREATE A SUCCESSFUL INVESTMENT EXPERIENCE FOR YOU BY: ALL PASSIVE - ALL THE TIME 01 Varying the ratio of equities to short-term bonds, to meet your risk tolerance. Passive funds are the lowest cost, lowest risk, and most effective method to capture the performance of any of the world s traded markets. There is simply no credible evidence to support the idea that active management enhances investment results over appropriate index benchmarks. 20 YEARS YOUNG 02 Spreading risk, as far as possible, through global diversification. 03 Using a mix of domestic, foreign and emerging market funds. The overwhelming evidence is consistent with efficient market theory. Neither individual stock selection nor market timing strategies add enough consistent value to outweigh their cost. Index funds minimise cost, tracking errors and tax implications. Our principals, who are Chartered Financial Planners, have been 04 Using short-term, lower risk, high quality bonds, we meet your known or probable cash needs. As investment professionals we have access to better targeted funds than those available to retail investors. In many cases there is no retail equivalent to access highly desirable portions of the world s markets. offering world beating solutions to clients for over 20 years. Highly experienced but never complacent Index has a track record that is the envy of the industry.

9 16 OBJECTIVE, FEE-ONLY ADVICE We have a strong incentive to minimise your costs and maximise your account value, since our fees can grow only if the size of your account grows. Our pricing structure is based around the value we deliver, not the time we spend providing services. We only use investment funds, custodians and financial products which are commission free and always negotiate with product providers to reduce costs where possible. This leaves money with you, not with the fund manager. We don t charge for trading or rebalancing. All fees, expenses and transaction charges are fully disclosed and clearly accounted for. 06. Our fee includes personal lifetime cash flow (Magic Number), consolidation, unlimited meetings, liaison with professional advisors and a lifetime relationship - all for less than the cost of an average UK unit trust fund. As fee-only advisors, we are uniquely placed to give you truly objective advice. We have no financial conflict of interest in selling products, increasing investment transactions or modifying portfolios. BALANCE

10 18 THE SERVICES WE OFFER 01 PERSONAL LIFETIME CASH FLOW (MAGIC NUMBER) Using our sophisticated financial planning software, we help you plan up to age 100 to ensure you can cover all the things you want to provide for and enjoy INVESTMENT PLANNING Using institutional grade, low cost, asset class funds, we help you take care of and optimise your investments, rebalancing regularly and reporting quarterly. Our integrated independent advice covers all areas of wealth management including investments, tax efficiency, pensions, wealth transfer and estate planning. 03 TAX AND STRUCTURAL PLANNING We help you ensure that your financial affairs are arranged in the most efficient way to reduce your tax liability. 04 COMPREHENSIVE FINANCIAL PLANNING We record and confirm all the details of your financial life, including assets, liabilities, children, grandchildren, investments, advisors and wills. EXPERTS 05 PENSION PLANNING 06 RETIREMENT PLANNING 07 PRE AND POST BUSINESS SALE PLANNING 08 ESTATE PLANNING We help you select the right scheme and investment management to maximise tax-free cash and deliver the pension income you want. Retirement can mean many different things. We work with you to design your desired lifestyle and then help create the plan to fund it. If you re planning to sell your business, we can help advise on its value, saleability, potential purchasers, timing and whether it will fund your aspirations. We can help you to reduce your inheritance tax liability, using many available allowances, trusts and structured gifting programmes.

11 20 LEGACY PARTNERS WE WORK WITH 08. True wealth management is not just for today it s for tomorrow too. We help enable our clients to ensure their wealth continues to work for generations to come. As independent advisors, we re free to choose from an unlimited number of portfolio options, funds, strategic partners and qualified professionals. We remain entirely unbiased and independent, and have no vested interests, commission or commercial relationships with any of the people we work with. The choices we make are based purely on our clients best interests. The strategic partners we work with provide access to leading economic research and portfolio expertise. They also provide better targeted funds, in more desirable portions of the world s markets, than those available to retail investors. The volumes of business we place with them result in better terms and lower charges which we pass on to you. The qualified accountants, lawyers and other professionals we recommend are known, trusted and leading practitioners in their specialised fields. Where required, we can create an integrated team of expert professionals who talk to each other and work well together, with your interests at the heart of everything they do.

12 LIFE S FOR LIVING Time. It s one of the most important things we give to our clients. Time to enjoy life without the burden of daily financial decisions. Simplifying your life is what we are about.

13 INDEX HOUSE 35 LITTLE ASTON HALL LITTLE ASTON, SUTTON COLDFIELD WEST MIDLANDS, B74 3BH T F E [email protected] EXPERT ADVICE. PROFESSIONALLY DELIVERED