Your Future is our Business

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2 Your Future is our Business Maestro Financial Services has been orchestrating the finances of individuals, families and companies small and large for decades. We provide advice right across the financial services spectrum, from complex pensions and investments to mortgages and areas such as equity release and funding for long-term care. Although we retain our local identity and loyal client base, today Maestro has grown to become a national business, advising clients the length and breadth of the country with funds under management of over 130 million. These include many high-profile clients and large businesses. From our origins in 1984, thousands of clients have trusted us to look after their financial planning needs and those clients have mainly been acquired through recommendation. In 2008, at the request of its owner, we took over the financial services client base of Shaw Heath Insurance Services; and, in 2010, following a long-standing association with the 40 year old firm Kay Webb & Co, we successfully incorporated their business under the Maestro name.

3 I look to the future because that s where I m going to spend the rest of my life. George F. Burns A World Class Association Maestro is an affiliate of Sanlam UK, a focussed, advice-led wealth management business which, in turn, is part of Sanlam Limited, the long-term AA-rated international financial services group which has been advising clients around the world for nearly 100 years. Valued in excess of 7 billion, employing over 20,000 individuals worldwide and managing more than 50 billion in client assets, Sanlam Limited is an organisation with a growing global footprint.

4 An Experienced Team Since our beginnings, we have successfully built teams of highly qualified specialists to advise and protect our valued clients. Today, Maestro employs staff with over 180 years of experience within the financial services industry between them. The stability and longevity of our staff has been a vital feature in Maestro s success, enabling us to provide a continuity of service to clients that can sometimes be difficult to find in larger organisations. Our business is managed by: Niel Lingwood Cert PFS Managing Director Niel Lingwood Cert PFS Managing Director Niel has over 30 years financial services experience and has owned Maestro Financial Services since From small beginnings, he has built the company to what it is today a respected business based almost completely on client recommendations - by providing a highly personalised service. Michael Fone Dip PFS Senior Financial Consultant Andrew O Connell Dip PFS Senior Financial Consultant Michael Fone Dip PFS Senior Financial Consultant Michael has some 25 years experience within the financial services industry, the majority of which have been spent at Maestro advising clients on a wide range of topics from personal and corporate financial planning for investments and pensions to long-term care and Equity Release. In addition, Michael leads our mortgage advice team. Andrew O Connell Dip PFS Senior Financial Consultant Andrew joined Maestro from Kay Webb & Co in 2010 and in total has more than two decades experience in the financial services industry. David Fraser-Clarke Dip PFS Senior Pensions Account Manager David Fraser-Clarke Dip PFS Senior Pensions Account Manager David has been in the financial services industry for over 35 years, for over a decade of which he has headed up Maestro s pensions advisory team. Kate Ridgway Head of Administration Kate Ridgway Head of Administration Kate has been providing workflow and general office administration management at Maestro for the majority of her almost two decades within the financial services industry. She holds the Certificate for Financial Advisors. Sara Bundey Financial Controller Sara Bundey Financial Controller Sara has more than a decade s experience in the financial services industry, the whole of which been spent with Maestro. With a degree in Accountancy and Economics; a postgraduate diploma in Law and a legal practice certificate, Sara is ideally qualified to control the company s financial aspects.

5 Someone s sitting in the shade today because someone planted a tree a long time ago. Warren Buffett Delivering Financial Planning & Wealth Management to Your Objectives Financial planning and wealth management demand the effective stewardship of financial affairs throughout four distinct phases: the creation of wealth, its maintenance and growth, its protection, preparing for both the foreseen and the unexpected in equal measure and ultimately its efficient transfer through generations. Each of our clients will define their wealth differently. For some, that definition will be based solely on the value of assets. For others it will mean family, relationships and the feeling of security. Irrespective of this definition, one thing is constant: their wealth is precious. Their wealth requires care, whether through sensible, bespoke investment management designed to secure and increase real value over time, or through the appropriate creation of mechanisms to guard against the unknown. Our service doesn t end with the creation of plans that suit you today. Over time your needs and those of your family will change as will the products available to you and the regulations that guide those products. By keeping their fingers firmly on the pulse of the financial markets, our team will ensure that your plans continue to keep pace with your evolving needs, providing the most effective solutions to secure your long-term future.

6 A Proposition Tailored to Your Needs The Maestro Client Proposition offers the investment solutions, expertise, products and services of a world class financial institution and, when requested or required, access to the whole of the market. In the first instance, our financial planners will consider products and solutions taken from the Sanlam portfolio. These are designed to deliver client centric, cost efficient access to the investment market and controlled management performance. Where this approach does not best meet your needs, for example where Sanlam does not offer a relevant product or indeed, where existing solutions prove most appropriate, we are able to recommend from the whole of market. In regulatory terms, Maestro Financial Services is termed a Restricted Advice organisation. We offer a strong, transparent, advice-led financial planning and wealth management proposition backed by both market leading risk analysis methodology and industry recognised investment management. It s a proposition which offers flexibility and strength, breadth as well as depth with exclusivity and accessibility in equal measure. When it comes to the future there are three kinds of people: those who let it happen, those who make it happen and those who wonder what happened. John M. Richardson Jnr

7 Delivering to Your Investment Mandate The foundation of our investment management process is a market-leading end to end investment process called Accel. Taking into account your financial objectives, risk tolerance and capacity for loss, it gives a clear understanding of what to expect from your investments and how realistic are your goals. This creates your investment mandate ; the set of rules as to how your money is to be both allocated and managed throughout the life of the investment. These rules, chosen with you at the point of advice help determine, guide and control the decision making process, placing defined risk and behavioural limits upon our investment management team, creating accountability, peace of mind and ensuring your money is continually invested as per your wishes. The Accel system, developed by Sanlam and unique in the UK, works efficiently to define and manage investment risk, not only within the range of model portfolios and discretionary fund management solutions offered by Sanlam but also those offered by other organisations.

8 Personal Financial Planning Whether you need a single, simple transaction or a full personal financial plan, you ll find the Maestro service is just as effective and efficient. We offer 3 levels of financial planning service. Over the years, many of our clients have started with a single transaction, developed through to a full financial plan and on to our Wealth Management service. Financial Planning covers a wide range of areas from saving for retirement, buying a home and protecting your family to the mitigation of inheritance tax and planning for long term care. Our financial planners will assist you in the development of bespoke financial strategies: solutions for the management of your financial affairs and the protection of your long term wealth. Once in place, your financial planner will concentrate on ensuring that your investments are performing to meet your objectives, remaining congruent to your needs by means of regular review, with advice built upon considered and consistent research formulated by our experienced back-office team. Where appropriate, we ll take a totally holistic approach to your future needs, providing advice on a variety of additional considerations, from taxation planning to wills and beyond.

9 The future, according to some scientists, will be exactly like the past, only far more expensive. John Sladek Wealth Management Wealth Management is about making the most of your income, investments and assets to ensure that you get the best return and growth in the most tax-efficient manner. It involves taking a holistic approach to your finances in the short, medium and long-terms, creating bespoke plans and investment portfolios to suit each individual s unique circumstances and continuously monitoring each element to ensure that they stay current in a frequently-changing financial landscape. Ours is a very personal service based on an ethos of honesty and ethics combined with a solutionsdriven approach. Our wealth management services aren t just for ultra high net worth individuals. They are applied just as successfully to anyone who has accumulated a level of wealth and needs expert advice to ensure this is protected, maximised and, eventually, passed on to your successors in the most effective manner. The level of service you require will depend on the complexity of your financial circumstances, the amount of wealth you have accumulated and your stage of life. This is why we have three different levels of wealth management service, one of which will be right for you.

10 Corporate Financial Planning In addition to providing Financial Planning and Wealth Management advice to individuals, we ve been working with businesses large and small for decades, providing a range of services to help them develop and succeed, by making them more financially secure. Whether you re an established company, a partnership or a sole trader, Corporate Financial Planning is a key element in starting up, running and maintaining a profitable business. The services we provide can be applied solely to directors or partners, can include managers or all of your staff. In many cases there are financial products available that can address and resolve a particular business issue. However, as each business is unique with its own set of requirements, it is the establishment of a cohesive plan tailored to your individual needs that will provide long-term financial security. Show me someone who doesn t dream about the future and I ll show you someone who doesn t know where they are going. Anon

11 Comprehensive Financial Advice Maestro Financial Services encompass: Wealth Management and inheritance tax planning Personal Financial Planning Investment and retirement planning Post retirement planning School & educational fees planning Life assurance & family protection Income protection Critical illness cover Long term care fee planning Mortgages Equity release Corporate Financial Planning Contingency planning for the illness or death of company directors, partners or key personnel Company investments including commercial mortgages Company pension schemes including directors pensions Employee benefits

12 Every client relationship begins with a simple conversation and we ve spoken to thousands of people just like you over the years. Irrespective of whether you are an experienced investor or seeking advice for the first time, it costs nothing to talk and unless we do you ll never know what benefits it could bring. So call us today. After all: The future belongs to those who prepare for it today. Malcolm X Maestro Financial Services Ltd. Metropolitan House, Station Road, Cheadle Hulme, Cheadle SK8 7AZ Tel: Fax: enquiries@maestrofinancial.co.uk Maestro Financial Services Ltd. is authorised and regulated by the Financial Conduct Authority (121098).