Your guide to the Private Office Asset Management Ltd Wrap Account. Supporting your Financial Adviser, giving you control

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1 Your guide to the Private Office Asset Management Ltd Wrap Account Supporting your Financial Adviser, giving you control

2 What is the Private Office Asset Management Ltd Wrap Account? It s a secure, online account that brings all of your investments and pensions together, allowing you to view them in a single place. Different types of investment have different tax implications and therefore require different tax Wrappers, for example an ISA, a Self Invested Pension Plan (SIPP) or an Offshore Bond. If they re held in different places, with different institutions or organisations, getting a clear, concise view of all of the investments that you have can be extremely difficult. The Private Office Asset Management Ltd Wrap Account helps you manage your finances by giving you direct, online access to your investments, via a clearly disclosed charging structure. It could enable you to view your entire portfolio, no matter where it is invested, at a single glance. As a result it minimises paperwork and, most importantly, puts you in control of your investments through your Financial Adviser. AT A GLANCE 4The Private Office Asset Management Ltd Wrap Account is a secure online account where you can view all of your investments in a single place, whenever you wish. 4It gives you a wide range of investment opportunities. 4The Private Office Asset Management Ltd Wrap Account allows your Financial Adviser to make informed decisions about your investments, putting your future plans, financial position and attitude to risk first

3 Why is the Private Office Asset Management Ltd Wrap Account different? Because we re an independent Wrap service that isn t tied to any particular fund manager or restricted by a single product provider. Choice So, as well as offering you all the services you would expect from an Investment Account, we also offer many services you might not, like giving you and your Financial Adviser access to a wide range of investments. With such unrivalled choice at your disposal, you and your Financial Adviser will be able to tailor your portfolio to reflect more accurately your future plans, financial position and attitude to risk. Flexibility But the differences don t end there. The unrivalled range of investments available can be held in an extensive range of tax wrappers, including in-house and specialist third party products. The flexibility of the platform means your Financial Adviser can accommodate almost any client needs that may occur. Value The charges you incur are both highly competitive and completely transparent. This helps you clearly see the costs involved with any investment decision you make and allows you to agree the charges with your Financial Adviser in advance. And, as we re an online service, you can access your portfolio whenever you want, allowing you to be as involved as you want to be in the management of your investments. Most importantly of all, the Private Office Asset Management Ltd Wrap Account gives you and your Financial Adviser the control to make those key investment decisions when needed. With markets fluctuating on a regular basis it s reassuring to know that your portfolio is under control and can be accessed on demand

4 What does the Private Office Asset Management Ltd Wrap Account do? It allows you to hold, view and place orders (with advice from your Financial Adviser) in your entire portfolio as and when you want to. How you use Private Office Asset Management Ltd Wrap Account is entirely up to you. Simply incorporate your existing investments into your account or choose from a wide range of investment options and tax Wrappers. Your portfolio will sit within one or more of the tax Wrappers available on the platform and you will have access to more than 3,200* funds or securities to place inside these tax Wrappers (as long as the tax rules allow it). The securities available include a wide range offered by the London Stock Exchange including ETFs (Exchange Traded Funds), Investment Trusts, Bonds and Gilts. *Quoted as at November 2014 Client Financial Adviser AT A GLANCE: TAX WRAPPERS The following tax Wrappers are available to you: 4The General Investment Account (GIA) This a cash and securities account subject to normal Income and Capital Gains Tax. It gives you access to all the funds and securities detailed above subject to normal Income and Capital Gains Tax. 4Individual Savings Account (ISA) Generate tax-efficient savings by investing in funds, stocks and shares. This is subject to annual ISA investment limits and HMRC rules. 4Offshore and Onshore Bonds Provide access to a range of Bonds that may offer further tax advantages subject to your specific tax status. General Investment Account Offshore Bonds ISA Onshore Bonds 4Pensions Provide access to a wide range of Self Invested Personal Pensions (SIPPs) and Small Self Administered Schemes (SSASs). Pensions Access to a wide range of unit trusts, OEICs, investment trusts, stocks, shares, bonds, ETFs and cash products Contract, valuations statements and consolidated tax vouchers Whatever your specific needs, your Financial Adviser will work with you to establish and select the funds, stocks, shares and tax Wrappers that are right for you and the Private Office Asset Management Ltd Wrap Account is then used to buy and sell any assets on your instruction. Transactions can be viewed online at any time and you will receive a Valuation Statement every six months and a Consolidated Tax Voucher (which helps you fill in your tax return) each year

5 How will I benefit? All your investments are held securely in one place leading to a significant reduction in paperwork. You can log in to the Private Office Asset Management Ltd Wrap Account whenever you want with access to immediate valuations. With a single point of access to a wide choice of investments and tax Wrappers, many at discounted rates, you and your Financial Adviser have the freedom and control to make appropriate changes to your portfolio at the right time. The Private Office Asset Management Ltd Wrap Account gives you total transparency around the performance of your portfolio as well as the charges you pay us, your Financial Adviser and the product providers you use. What are the risks? As with all investments the value and the income generated can fall as well as rise. This means you may not get back what you originally invested or transferred into your account. The performance of your investment will be reduced by the effect of charges, including platform charges, Financial Adviser charges, fund manager charges and product provider charges. The risks in your portfolio will depend on the investments you have chosen. Your Financial Adviser should explain all these risks to you as part of their recommendation. If you do not need the benefits of the Private Office Asset Management Ltd Wrap Account as described here, it may be a better option for you to invest in other ways. AT A GLANCE What does it look like? 4Your entire portfolio, sorted by tax Wrapper, displayed on a single screen. 4Housed within a simple-to-use navigation system, each individual investment can be examined and all transactions monitored and interrogated. Your Financial Adviser will be able to help you understand the risks in your investments and choose those that are most suitable to your needs

6 What are the next steps? Discuss with Financial Adviser 01. Discuss how the Private Office Asset Management Ltd Wrap Account can help you achieve your future financial plans with your Financial Adviser. Complete application 02. Your Financial Adviser will complete the relevant application form(s) with you, together with any investment instructions. Receive confirmation 03. You will receive confirmation of your account set up and security log in details. Account set up 04. Your Private Office Asset Management Ltd Wrap Account is now set up. Please read through the Terms and Conditions and Key Features Documents for more information. Legal Disclaimer This brochure is a marketing tool, and whilst it aims to point out the main features and benefits of the Private Office Asset Management Ltd Wrap Account, it is not a full description of the product. All detailed queries should be referred to your Financial Adviser. This service is provided to your Financial Adviser by Ascentric. For a complete description of the product, or more comprehensive coverage of options, risks and uses of the product, please refer to our Key Features Document and our Terms and Conditions. These are available on our website, or from your Financial Adviser. In the event of a conflict between this brochure and any of these reference documents, the more detailed documents take precedence over this brochure. Private Office Asset Management Limited is Authorised and Regulated by the Financial Conduct Authority (FCA). This Firm s FCA Number is Private Office Asset Management Limited is Registered in England and Wales Company Number All information contained within this brochure is correct at time of production. Errors and omissions excepted. Ascentric is a trading name of Investment Funds Direct Limited, part of the Royal London Group. A company authorised and regulated by the Financial Conduct Authority, No Registered in England and Wales, No Registered Office: Trimbridge House, Trim Street, Bath BA1 1HB. 06. ASC_CBOPOAM_1114_v1