Financial Planning. Directing and managing your financial journey.

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1 Financial Planning Directing and managing your financial journey

2 It s the quality and expertise of our people and their commitment to our clients that differentiates us from other firms.

3 Trusted thinking in financial planning. Your financial life is a journey. To reach your desired destination, you need advice and direction from a trusted source. Individuals, trustees and businesses have been trusting the thinking of Moore and Smalley s advisers since 1892 and whilst we are proud of where we have come from, we are very much focused on the future; your future. We believe Moore and Smalley is unique because of the experience, depth and passion of our highly skilled financial planning specialists and our ability to listen carefully to our clients and set them on the path to financial security and progression. Graham Gordon, Managing Partner and Head of Financial Planning & Wealth Management We offer a truly integrated approach blending experience in financial planning and wealth management. If you re in business and require assistance on shareholder agreements, keyman cover or pensions for directors and staff, we have the expertise too. In an ever-changing financial landscape, having a trusted advisor to guide you on your financial journey is crucial. We are here to help. Key Facts: Seven financial planning consultants 28 highly qualified team members Offices in Lancashire, Cumbria and East Midlands Assets approaching 500m under advice

4 Client experience is paramount and we all pride ourselves in building long-term relationships. The client experience is paramount and we all pride ourselves on building long-term relationships.

5 The Moore and Smalley financial planning journey Which route? 01 Life without a financial plan is like a journey without a map. With no map, who knows where you ll get to, when, and if at all. You may end up in a place you don t want to be, lost, in trouble with no idea of how to get back on track. We ll give you a clear route. Setting off 02 Before you embark on any lengthy journey, you need to make sure your vehicle is in order. Are you set up for the journey? Have you had the MOT and will you have enough fuel? We ll assess your current financial position as you progress through your career, or develop a business, putting measures in place to make sure finances are coping with the plan. As a result, you can plan for the long term with complete confidence. Change of direction 03 Are you prepared for a change in direction? Life changes: marriage, children, elderly parents. Our planning approach builds in flexibility across investments and pensions to cope with any road works or diversions.

6 Our service is truly independent and we are transparent on costs and charges.

7 Full speed, under control When you re making good progress and the roads are clear, everything is going well. 04 You are realising your earning potential and coping with the demands of a profitable business or career. When you are building wealth and planning retirement, we will regularly consider all the options to maximise this positive stage of your journey. Cover 05 Anything can happen on a journey. And what would happen if you were to break down, have an accident, or worse? We ll make sure you and your travellers are adequately protected. Looking after your fellow travellers Your passengers won t always want to travel with you. There might not be enough room. When will they learn to drive, go off in their own direction and how will you fund this? 06 Our consultants have advised generations of families on inheritance tax planning and passing on their wealth. 07 Planning your next journey Before you arrive at your destination, planning starts for the next journey. We will work to develop a tailored plan that ensures that you are fully prepared and fuelled to enjoy your next journey - and many more

8 Your financial plan and the management of your wealth is regularly reviewed. We never sit still or on the fence.

9 Better Expertise Reliable Trusting Trusted advisers 1. Graham Gordon Managing Partner and Head of Financial Planning & Wealth Management Graham joined the firm in 1996 to establish the Financial Planning department and has been a Partner since Graham is a wealth management specialist and also heads up our Private Client Service. 2. Elizabeth Hall Director (Financial Planning) Liz joined the firm from another financial services role in 1997 and has since been promoted to Director of Financial Planning. She specialises in acting for clients in the healthcare profession. 3. Laurence Kelly Director (Professional Connections) Laurence joined the firm in He has worked in Financial Services since graduating from university and is a Chartered Financial Planner. He is also responsible for the development of financial planning with professional practices and works closely with the Professional Practices team in this regard. 5. Lee Salter Financial Planning Consultant Lee has been with the firm since He is a Chartered Financial Planner and operates primarily out of our Preston and Kendal offices. As well as more generalist Financial Planning expertise, Lee specialises in trusts and wealth management. 6. Dave Gleeson Financial Planning Consultant Dave has been with the firm since He is a Chartered Financial Planner and Fellow of the Personal Finance Society. As well as his generalist Financial Planning expertise, Dave is also responsible for developing employee benefit solutions for corporate clients. 7. Ben Harrison Financial Planning Consultant Ben has been with the firm since 2010 and is a Chartered Financial Planner. He specialises in advising elderly clients and has recently been accepted to become a member of the Society of Later Life Advisers (SOLLA). 4. Liam Winstanley Financial Planning Consultant Liam joined the firm in He is a Chartered Financial Planner and Fellow of the Personal Finance Society, who operates out of both our Preston and Lancaster offices. As well as more general Financial Planning expertise, he also specialises in Financial Planning for corporate clients, including employer pension schemes and other employee benefit arrangements.

10 Trust is built through close working relationships between the client and adviser.

11 How we help: our services Corporate financial planning Family financial planning Investment management Pensions Private client Retirement planning Tax planning Trusts and estates Wealth protection Mortgages / equity release Long-term care planning

12 Offices in: Preston, Blackpool, East Midlands, Kendal, Kirkby Lonsdale, Lancaster and Southport Join our Chartered accountants & business advisers Moore and Smalley LLP is a limited liability partnership registered in England and Wales: No.OC Registered Office: Richard House, 9 Winckley Square, Preston, Lancashire PR1 3HP. The term partner indicates a member of Moore and Smalley LLP who is not in partnership for the purposes of the Partnership Act A list of members is available from our registered office. Registered to carry on audit work in the UK by The Institute of Chartered Accountants in England & Wales and details of our audit registration can be viewed at for the UK and for Ireland, under reference number C Authorised and regulated by The Financial Conduct Authority and details of our registration can be viewed at under reference number Moore and Smalley C.A. Limited is a wholly owned subsidiary of Moore and Smalley LLP, registered in England and Wales Company No Directors: Deborah Wood FCA & Christine Wilson FCA. Registered Office: Richard House, 9 Winckley Square, Preston, Lancashire PR1 3HP. Moore and Smalley LLP is an independent member of MHA, a national association of UK accountancy firms. Moore and Smalley LLP is an independent member of Baker Tilly International. Moore and Smalley LLP is a member of AISMA, Association of Independent Specialist Medical Accountants.