Who we are. Helping you achieve your lifestyle goals

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1 Helping you manage your wealth

2 Who we are Ward Goodman Financial Services Ltd is 100% owned by Ward Goodman Chartered Accountants one of Dorset's largest independently owned Chartered Accountancy practices. Our Wealth Management offering is targeted at clients with 500,00 or more of investible assets. Many view retirement as an opportunity to enjoy the lifestyle they ve worked hard for. Our approach extends beyond traditional investment advice. We employ a rigorous process to establish our client s objectives and attitudes towards investment risk and we use the depth or our internal tax and investment resources to guide you through the maze of issues associated with managing your finances today. Our clients benefit from a truly personalised service, no waiting to see your adviser or call centre advice.you see the same adviser all the time to ensure you can always speak to someone that knows who you are and how you tick. Our sophisticated technology also enables our clients to view their entire financial situation online, at any time.

3 More than just financial advisers

4 Our Beliefs Our Beliefs The language we use is simple and informative not complicated and confusing By encouraging long term, collaborative relationships with you we get to know each other. The more we understand one another the better we can help you plan for your financial and lifestyle objectives. We believe that attention to detail and transparency of cost are one of the true measures of an Independent Financial Adviser. Therefore we look after small groups of selected clients rather than trying to do everything for everybody. We can therefore give you more of our time and spend more time getting it right We believe in providing the highest level of expertise in all areas of our advice. Our team of highly qualified specialists (Tax, Trusts, Investments and Accountancyrelated) work together through your dedicated adviser to provide you with a total Wealth Management solution. We believe our Regular Review Service is key to ensuring our clients remain on track. Over time the advice we provide can become obsolete as your circumstances, goals, tax and investment issues change. 4

5 Our Role as your Trusted Adviser 1. Clearly understand your lifestyle goals and objectives 2. Develop the right strategy to help you achieve your goals 3. Minimise any taxation consequences 4. Minimise any risks (or help you to understand those risks) 5. Provide education regarding investments 6. Develop an appropriate investment strategy 7. Monitor your progress toward your stated objectives and review your strategy regularly. Making changes as the need arises Strategy is key -It s pointless getting good returns if you then pay most of this away in income or inheritance tax

6 What is wealth management? The term Wealth Management can be confusing. It acts a bit like a jigsaw puzzle. To simplify things, consider the following formula: Strategy x Taxation x Investment x Review = Outcome If any of the factors are not dealt with properly the outcome can often be disappointing

7 The Winning Solution Strategy Tax Investment Process few firms have all this resource under one roof Strategy x Taxation x Investment x Review = Best Outcome

8 Our Service Offerings Our service is designed to meet your individual needs WEALTH MANAGEMENT Comprehensive full-service Wealth management for clients with significant assets and complex financial affairs. This service involves a detailed analysis of your current situation, comprehensive financial planning, portfolio implementation and regular reviewswhilst utilising all the expertise we have by being part of Ward Goodman Chartered Accountants. These Clients: Are nearing retirement, or have retired, after accumulating significant amounts of wealth Have 500K or more to invest Would like help to move into the next phase of their life enjoying the wealth they ve worked hard for.

9 Tell Us About You Key questions to consider: Do you know the total value of your investments today? Do you know what your current investment portfolio is invested in? Do you know how much tax you pay on your investments? Are you confident your money is invested in the most tax efficient way? Do you know the charges you pay on your investments? Do you have a clear understanding of your financial goals? Do you know the total return on your investments over the last year? Do you know how your investments are doing against your goals on an ongoing basis? If you answered no to any of these questions, do you think it s likely you ll meet your long-term financial & lifestyle goals?

10 Our systems and software help cut through the Confusion Credit Card Debt Bonds Ethical Investments Investment strategy Previous Company Pensions Income tax Employment Benefits Tax Relief Maxi ISAs Confused?? Education Funding Capital Gains Tax Buying Abroad Child Trust Funds Business Protection Child Care Vouchers Emergency Funding Drowning in paperwork? Second Homes Wills Investment Strategy Savings Rates Unit Trusts Income Protection Private Pensions Life Assurance Cash ISAs Currency Management Mortgage Structuring Windfall Cash-flow Credit Score Critical Illness Inheritance Tax Using our online service, we can manage your entire portfolio from one web page, regardless of where your investments are held 10

11 Consolidated view of your Investments You can review your investments any time at a glance Information and current valuations available anytime, via our secure website. A complete picture of your wealth, in the one place no more confusion. Having all of your investments in the one place means we can work with you proactively and far more effectively.

12 How we get Paid Our advice and services can be paid for in one of the following ways; Fees Commission Combination of both (fees and commission) Our costs are totally transparent, fully disclosed and agreed with you before we commence any work

13 What Exactly do Our Fees Cover? You will be dealt with on a one to one basis by an experienced adviser and his team who look after a small number of clients in a similar position to yourself. Accuracy and Efficient Implementation in all that we do Access to our Wealth Management Service including on going tax & investment Research from a large team of in house experts. Ongoing Advice (see Wealth Management Service Schedules for more information)

14 What do you get in Return? The results will speak for themselves; A bespoke strategy designed to help you achieve your financial objectives A range of top quality tools with which to take action Peace of mind that comes from knowing where you are today A partnership with a quality firm working on your behalf did you know 70% of our income comes from looking after existingclients and 30% from new clients hence our focus on ensuring our clients arehappy and looked after rather than move onto the next sale

15 Keep in touch and keep reviewing Going 2 degrees off course might not seem much but on a long journey you can end up at a different destination. Therefore we keep in touch to keep you on track. Step 6: Ongoing Review Step 5: Implementation Step 1: Initial Meeting Step 2: Discovery Step 3: Strategy Presentation Step 4: Checkpoint

16 This Proposal was Delivered by Ward Goodman Financial Services Ltd 4 Cedar Park, Cobham Road Ferndown Industrial Estate Wimborne Dorset, BH21 7SF t e. simon.willcox@wardgoodman.co.uk w. Ward Goodman Financial Services Limited is Authorised and Regulated by the Financial Services Authority (FSA)