Refreshingly individual financial management. Refreshingly individual financial planning

Transcription

1 Refreshingly individual financial management Refreshingly individual financial planning

2 Contents Welcome to The Fry Group You ll find our financial planning services refreshingly individual. Retirement planning Everything you need to make the most of your retirement under one roof. Financial planning Expert help dealing with the complexities of tax and investments wherever you are. The Fry Group approach How it works and what you can expect from us. Next steps Getting in touch, finding out more and starting The Fry Group relationship. 02

3 Welcome to The Fry Group Whatever your stage of life, you want financial advice that s right for you. You ll find our tax and financial planning services refreshingly individual. We can help you review or consolidate pensions, invest capital, arrange your UK tax affairs and organise Wills and Trusts whether you live overseas or in the UK. Put simply, we re here to help you plan confidently for the future, and achieve your personal goals. Because we re independent, we have no ties to any investment or insurance providers. So you can rely on our specialists to provide sound and impartial financial planning advice based on extensive knowledge and expertise. We constantly monitor our service and look at ways to improve it wherever possible, so you can feel more confident about achieving your long-term financial goals. We can provide all the help you need and tailor services to suit your circumstances. You only pay for what you need. For example, if you re happy dealing with some aspects of your finances but require guidance in others, we can still help. And once we ve agreed your personalised financial plan, we ll help you implement it, review it regularly and keep you up to date with any information and advice that might benefit you. What s more, our charges are simple and clear. For the most part, we charge an initial fixed fee, and agree a regular ongoing fee for any assets or tax work we manage on your behalf. Your future financial security needn t be complicated, expensive or stressful. We re here to make it as refreshingly straightforward as possible. Stephen Tucker, Chairman & Managing Director 03

4 Retirement planning all under one roof We have the experience, expertise and knowledge to make the most of your retirement. With us, you ll develop a relationship with a specialist team of experts who will co-ordinate everything for you. Here s a bit more about the range of retirement planning services we offer: Pension review UK Pensions can be complex, particularly if you have several entitlements. So we start by making sense of your pension arrangements and helping you select the best options. Risk Profiling We blend the assets that match your objectives and the risks you re comfortable with. Tax planning Help reducing your tax burden. We ll help you choose the best tax options and take care of your tax returns. Will and trust planning Making sure your wishes are carried out, and your wealth and belongings reach the people you want to benefit, in a tax-efficient way. A level of help that suits you We re happy to help you manage your finances as much or as little as you like. It s all about building our service around your needs. It s why we make our fees transparent and easy to understand so you can see what you re getting for your money, and you re not paying for services you don t need. And we aim to get you a better return on your investment than from any savings account. In fact, because we manage your money more effectively, you ll find our services soon pay for themselves. The personal touch We choose our staff as much for their personal skills as their expertise, knowledge and professionalism. It s our job to appreciate your circumstances, understand your needs and earn your trust. It s no surprise most of our clients have had the same adviser for over 12 years. Keeping you informed We ll keep you up to date with any knowledge or information that may affect your financial affairs. But we won t bombard you with information we ll only send you the facts and figures you re happy to receive. If you need to discuss any aspect of your finances with us, your personal adviser is always on hand to help. There are no call centres at The Fry Group, so you can call and speak to them direct. Addressing your concerns As well as offering sound advice, it s our job to listen. It means we develop a better understanding of your circumstances, and create a suitable mix of assets that meet your requirements. That said, most clients aims are very similar to maintain the value of their capital, provide regular income, and minimise tax liability. And to have enough flexibility so that when your needs change, our service changes with them. 04

5 Angela Tenison West Sussex I ve been impressed with the professional attention. Rather than quick fix advice, The Fry Group s recommendations are based on sound information and a considered opinion. They make my financial needs their first priority. Peter Harris Portugal As a long-term expatriate approaching retirement, The Fry Group gives me specialist, professional advice on tax, investments and estate planning. They are always able to successfully implement the strategies agreed, including corresponding with the taxman on my behalf, organizing the placement of investments and liaising with solicitors etc. 05

6 Expert financial planning advice, wherever you are UK resident or expatriate? Working or retired? Either way, we will deal with the complexities of financial planning for you, ensuring you safeguard your financial future. No matter where you are in the world, making the most of your financial status may seem daunting. Our financial planning advice is always tax-led, but being much more than tax experts, we ll take into account your needs, circumstances and hopes for the future. We visit and have offices across the UK and throughout many expat centres, and offer a wide range of financial planning services, including: Expert pension advice Helping you find and manage your UK or offshore pension. We ll help you select the pension that best suits your needs and circumstances. Financial Planning Building a portfolio that meets your requirements and suits your risk profile. Tax planning Help reducing your tax burden. We ll help you choose the best tax options and take care of your tax returns. Will and trust planning Making sure your wishes are carried out, and your wealth and belongings reach the people you want to benefit, in a tax-efficient way. Ultimately, The Fry Group can help you manage every aspect of your financial affairs, in a way that suits you and ensures you get the most from your capital. 06

7 Phil Cunningham Singapore The Fry Group has given us clear, straightforward and sound advice for 30 years. This is the opposite from the smoke and mirrors approach so often used by silver tongued salesmen purporting to be Financial Advisers. We have recommended The Fry Group to friends, almost all of whom have become clients. Roy Bissett West Sussex My wife and I rely on The Fry Group for pension planning and retirement advice. The service we receive provides us with a great deal of peace of mind, and has always been informative and friendly. In short, we feel very well looked after and that our finances are being properly managed. 07

8 Accessible, knowledgeable people It s your money, your retirement. You need reassurance that your financial affairs are in safe hands, with people who ve taken time to understand your needs and circumstances. Accessible experts, with you every step of the way. Here s a bit more detail about what we do, how we do it, and how you benefit. 1. Finding out more about you We ll get together with you to discuss your income, assets, retirement objectives, protection and pension planning. We ll get as much information as possible, so we can develop the best understanding of what your financial position offers. 2. Financial objectives We ll build a clear picture of what you d like your finances to achieve for you in the short, medium and long term. This might include mortgage repayments, school fee funding, retirement income or inheritance tax savings. 3. Timescales It is important to think about the time your assets will need to achieve your objectives most effectively. We ll also discuss with you key dates to work towards. 4. Risk tolerance Of course, we will discuss and measure the degree of investment risk you are comfortable with. 5. Tax Planning We will ensure that assets are held as tax efficiently as possible. 6. Putting it on paper We ll then draw up recommendations for you, based on a clear understanding of what you want from your investment. We ll suggest and detail a range of assets and explain why we feel they re the most suitable for you. 7. Getting underway With your approval, we can put the agreed plans into action and arrange the ongoing administration of your new portfolio. And to protect your assets, we ll work with you to identify the most tax-efficient way to structure your investments. This could be with an approved pension, savings accounts, bond, trust or other arrangement. Whatever the plan, we ll always handle your investments in an efficient and timely manner. 8. Keeping tabs and keeping in touch With your agreement, we will review your financial affairs to ensure the allocation of assets is still the most suitable, that funds are performing to expectations, and that we re taking full advantage of any changes to tax legislation. We then explain and discuss any proposed changes with you before implementing them. 08

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10 Next steps To start working towards a secure financial future, please get in touch with your nearest Fry Group office and speak to an expert about making the most of your finances. Our offices Worthing (Head Office) Crescent House, Crescent Road, Worthing, West Sussex, BN11 1RN Tel: +44 (0) worthing@thefrygroup.co.uk Cheltenham Pure Offices, Cheltenham Office Park, Hatherley Lane, Cheltenham, Gloucestershire, GL51 6SH Tel: +44 (0) cheltenham@thefrygroup.co.uk Exeter Broadwalk House, Southernhay West, Exeter, Devon, EX1 1WF Tel: +44 (0) exeter@thefrygroup.co.uk London 14 Buckingham Gate, London, SW1E 6LB Tel: +44 (0) london@thefrygroup.co.uk Brussels Avenue de Tervurenlaan 168, bte 14, B-1150 Brussels, Belgium Tel: + 32 (0) belgium@thefrygroup.be Hong Kong Room 2603B, Tower 1, Lippo Centre, 89 Queensway, Admiralty, Hong Kong Tel: (852) info@thefrygrouphk.com Singapore 6 Battery Road #16-04/05, Singapore Tel: (65) info@thefrygroup.sg Spain Avenida Ricardo Soriano, 72 - Portal B - Planta 1, Malaga, Marbella Tel: + (34) spain@thefrygroup.co.uk York The Hawk Creative Business Park, Hawkhills Estate, Easingwold, York, North Yorkshire, YO61 3FE Tel: +44 (0) york@thefrygroup.co.uk 10

11 The Fry Group - Our Services Tax Preparation and submission of UK Tax Returns Assistance with moving overseas or returning to the UK Residence review Domicile review Inheritance tax planning Liaison with HM Revenue & Customs Business accounts Payroll Estate and Trust Estate administration Trust creation and administration Will preparation Lasting Power of Attorney Investments Portfolio construction and reviews Retirement planning Pension advice Advice on offshore accounts

12 About The Fry Group We ve been helping people make the most of their money for over 116 years. Established in 1898 under Wilfred T Fry (pictured left), The Fry Group carved out a business by helping British expatriates recover tax. Wilfred managed the company until 1946, and also served as a Lieutenant Colonel during World War 1. The Fry family still retain a shareholding in the business today. Tax led financial advice remains the cornerstone of our business. We ve always been a team of helpful experts, here to listen, understand your needs and circumstances, and make all aspects of financial planning simple, straightforward and effective. The Fry Group of companies comprises of Wilfred T. Fry Ltd Taxation Consultants, Wilfred T. Fry (Executor and Trustee) Ltd, The Fry Group (H.K.) Ltd, The Fry Group (Belgium) SA, and Wilfred T. Fry (Personal Financial Planning) Ltd. The last company is authorised and regulated in the UK by the Financial Conduct Authority is also passported under EU regulations and is authorised to act as a financial adviser by the Monetary Authority of Singapore-license number FA The Fry Group (H.K.) Ltd is authorised to conduct investment business by the Securities &Futures Commission (SFC) in Hong Kong and are members of the Hong Kong Confederation of Insurance Brokers.The Fry Group (Belgium) SA is regulated in Belgium by the FSMA (Reg. No A-B) and is also passported under IMD EU regulations. Designed and produced by Design Distillery Corporate brochure