We continually search for better value and choice, and are agile enough to respond to opportunities quickly.

Transcription

1

2

3 We continually search for better value and choice, and are agile enough to respond to opportunities quickly. As a result, our clients become better informed, confident and empowered to reach their financial goals. We achieve this by using the latest technology to provide straightforward and transparent advice in a simple and convenient way. We make no compromise. We are Beyond Wealth Management.

4 WELCOME TO TRUE POTENTIAL Our Mission To revolutionise the way wealth management is delivered to UK customers.

5 We are part of the highly-successful True Potential Group and offer wealth management services to private clients, trustees and businesses throughout the UK. We have offices in London and Newcastle upon Tyne.

6 KEY FACTS ABOUT THE TRUE POTENTIAL GROUP Established in 2007 by a management group with extensive experience in UK advice distribution, investment management and financial services technology. Provides services and investment solutions to UK financial advisers and their clients. Founded The True Potential Centre for Public Understanding of Finance in partnership with the Open University Business School. The Centre aims to make financial education more accessible through its research and free courses available to the public. Administrators of more than 67 billion in client assets*. *As of 31 December 2014

7 UK 2014 The True Potential Group of companies has been recognised with several major industry awards: True Potential Adviser Services Best Support Service (2014, 2013, 2012) Money Marketing Financial Services Awards True Potential Wealth Management Best Use of Technology by an Adviser (2014) Money Marketing Financial Services Awards True Potential LLP Best Use of Technology by an Adviser (2011) Money Marketing Financial Services Awards True Potential LLP Deloitte Technology Fast 50 UK (2014) True Potential LLP Deloitte Technology Fast 500 EMEA (2014, 2013) True Potential Investments Leading Integrated Planning Tool with Morningstar (2013) Aberdeen UK Platform Awards True Potential Investments The Platforum s Best Adviser Platform (2013) True Potential Investments Best New Platform (2012) Aberdeen UK Platform Awards

8 WHY WORK WITH US? For private clients throughout the UK who seek to be better informed and empowered to reach their financial goals, we offer a unique approach to wealth management. Unlike other financial advisory firms, we take technology further. Through the use of True Potential s award-winning systems, we provide our clients with straightforward and transparent advice in a simple and convenient way.

9 In our experience, no two clients are the same and off-the-shelf solutions are rarely suitable. Therefore, we seek to fully understand your personal or business objectives so that we can deliver financial plans that are unique and right for you. And, by having a dedicated True Potential Partner who can handle all your financial planning needs, we make managing your finances seamless. All Partners are specially selected based upon their expertise, experience and track record. Partners believe that building lasting relationships with clients, focused around delivering the client s goal is their key objective. Partners have exclusive access to our strategy fund managers to ensure they remain informed of market events and the latest investment outlooks. Aligned with their passion for technology-led wealth management, Partners deliver a service that is simple to understand, effective in its delivery and unique to your personal goals. As a client, you will receive: Personalised, face-to-face financial advice. The opportunity to review your financial affairs regularly. The latest news and information on any changes that might affect your personal plans. Access to leading edge technology that puts you in control.

10 WHAT SETS US APART We use a goals-based approach Our goals-based approach takes account of your personal goals, timeframes to achieve these goals, and the level of risk you wish to take. We then blend all of this information to create your personal strategy and roadmap. Your Partner will spend a significant amount of time working with you on our value proposition and advising you on how much you need to invest in order to reach your goals. Our planning tools ensure your investment goals are realistic By correctly understanding your appetite for risk, we can ensure that the goals you set are realistic and the investment strategies recommended are the most suitable. We ascertain your risk profile through a number of methods and display these in a way that is easily understood. We can also interrogate the risk profile of your existing products, to ensure that they are correctly invested and, if not, look at where they would better suit your individual needs. We have access to a wide range of investment options to meet your needs To help you achieve your financial goals, we can invest your capital within innovative risk-based strategies from leading investment managers or we can access investments from the whole of the market to create a bespoke plan that s tailored just for you. In addition, to ensure that your investments are as tax-efficient as possible, we can take advantage of the various tax wrappers that are available.

11 We believe that the biggest risk our clients face is the risk of not hitting their goals. For us, setting a goal is the single-most important step in creating your financial plan. That s why your True Potential Partner will take the time to uncover the real reasons why you are saving and produce a plan that meets your needs. Financial Independence Retirement School Fees New Home Special Holiday Special Events Investment Income

12 HOW WE DELIVER OUR UNIQUE BEYOND WEALTH MANAGEMENT EXPERIENCE When arranging our first appointment with you, we will always try to ensure that we are as fully prepared as possible. To do this, we will confirm access to technology, such as address and internet connection for the meeting. We will also ask you to gather any relevant details regarding your finances in advance of the meeting and begin to think about your financial goals and aspirations. Then, at our initial meeting, we will explain our Beyond Wealth Management value proposition as well as demonstrate it live. If you are happy for us to proceed, we ll take you through our Terms of Business, confirming the service being offered and outlining the charges before we begin our 4-stage process.

13 THE TRUE POTENTIAL WEALTH MANAGEMENT 4-STAGE PROCESS Ongoing service & information Understanding your situation Presentation of your financial plan Analysis & design of your financial plan

14 UNDERSTANDING YOUR SITUATION Before making any recommendations, we seek to fully understand your situation. We do this prior to and during our first meeting with you. We will look to gather details on your personal and financial circumstances, taking into account your existing assets and resources. From there, we ll discuss your goals and aspirations as well as your attitude to risk. What we learn will form the foundation for our future analysis and recommendations. By taking the time to really get to know you and what s important to you, we can deliver better outcomes. We think this approach not only makes sense, but is often an important first step overlooked by many. We employ a goals-based investment approach which takes account of your personal goals and timeframes to achieve these goals, as well as the level of risk you are willing to take. We blend all of this information to create a realistic strategy and a roadmap for reaching your goal. Where do you want to be: Your Goal Where are you now How we will help you get there: Our recommendation

15 ANALYSIS & DESIGN OF YOUR FINANCIAL PLAN After we have gathered all the necessary details from you, we ll turn our attention to analysing this information. We use the latest analytical tools to understand the breakdown of your existing assets and how these are performing against your set objectives. We believe a critical part of design is ensuring there is a match between your goals, aspirations, attitude to risk and the eventual asset allocation of your investment plan. Once we have completed our analysis, we ll design a recommended strategy, or series of strategies, using the most appropriate investment options from those available. We ll also take into account your tax situation, making sure your assets are placed in the best tax treatments allowed in the UK. Wherever possible, this is carried out on the True Potential Wealth Platform, thus ensuring a better choice of investments, tax wrappers and value.

16 PRESENTATION OF YOUR FINANCIAL PLAN We start from the premise that there s no point in recommending a strategy that we can t explain easily or that our clients won t understand. That s why we always present our recommendations in a simple and straightforward way. You will also get a written explanation of all our recommendations in language that s designed to be understood. These recommendations can be provided to you by or hard copy, whichever format you prefer. With your agreement, we will implement the recommendation for you. We will also store a copy of our recommendations, supporting information and any other important documents you provide on a secure client site that you can revisit whenever you like.

17 ONGOING SERVICE & INFORMATION As a client, you are supported and empowered 24 hours a day, 7 days a week through your personalised client website. If you want to make any adjustments or if your personal situation changes, you can use the secure messaging system on your site to reach your Partner direct. Alternatively, you can reach a member of our True Potential team by phone or writing. Response is quick and knowledgeable, because we are seeing the same information as you are. Our Partners will ensure that they review your financial affairs at least once a year, by offering you face-to-face, phone or webinar meetings when required. These can be arranged at a time, location and frequency that best suits your needs. Information to empower As part of our ongoing service, we are committed to keeping you up-to-date with any information or changes that may be beneficial to you. This can include regulatory and tax-related news or announcements of new products that you may want to consider for your financial plan. All communication will come to you via our secure messaging system on your client site, or the post. We will also, from time to time, seek your views on our services and how you feel we are delivering those services to you. Feedback is important and helps us ensure that we continue to deliver products and services that are of value. We encourage you to give your comments direct to your True Potential Partner, or contact us at wealthmanagement@tpllp.com.

18 INVESTING IN THE MODERN WORLD In the last two decades, technology has affected everyone s way of life. The brand names illustrated above are well known to all in the modern world and have changed the way we do things; how we interact, how we make purchases, and how we live. The speed of this change is unlikely to slow as technology continues to progress, improve and simplify itself. As all generations start to engage with technology, more people are leaving the old ways behind. The same can be said for True Potential. Through our technology we can truly connect people with their finances.

19 84% of all households have internet access 76% of adults access the internet daily Access via mobile devices has doubled since % of adults now access the internet on the go 74% of adults purchased goods / services online UK Online spending is the highest in Europe According to the Office of National Statistics, in 2014 the internet usage in the UK.

20 WHY WE RE BEYOND WEALTH MANAGEMENT. As one of the UK s most innovative financial services organisations, we believe that what we are doing has great value and will help revolutionise the way wealth management is delivered to customers for years to come. Modern times call for a modern approach and that s what we deliver all in one place. AM Unique in the UK and exclusive to clients of True Potential, our client sites allow you to view all your investments and bank accounts in one place, whenever and wherever you choose. And you ll have unlimited access on a range of devices including Web, ipad, iphone, Android, and even Smart TV. Real time banking Real time portfolio valuation Client document sharing Secure messaging Personal details Adviser & firm contacts Goal tracking N Phone S Safari S Here s a quick look at what s available to you:

21 We offer a modern approach to wealth management To help deliver a Beyond Wealth Management experience, we take advantage of True Potential s awardwinning technologies. This includes True Potential Investments Wealth Platform and personalised client sites with impulsesave - allowing you to top-up your investments at the touch of a button via the web or mobile device. Goal monitoring Goal monitoring enables you to track your progress and identify any potential shortfall in your investments towards your goal. impulsesave Top-up your previously advised True Potential accounts at the touch of a button, simplifying your ability to save towards your goal. You can add to your NISA, General Investment Account or TPI Pension on-demand with as little as 1 or as much as you need to close your gap to goal. Portfolio Details Comprehensive view of all the policies and plans we hold for you, including real-time valuations and existing assets. Ability to drill down into each plan to analyse performance, review asset allocation and portfolio splits, and evaluate attitude to risk. Banking Option to link up all your bank accounts and credit cards, giving you a consolidated view of your finances in one convenient location. Ability to analyse and track spending across multiple accounts. Adviser Contact Full details on how to reach us, including telephone, post and . Client Documents Store and view important documents in one online location. Ability to share documents as needed. Files are encrypted and secure. Secure Message 2-way messaging system allowing instant and secure communication, no need to go to separate system. Simple way to send important and sensitive documents direct to your adviser. Personal Details View all the personal details we have recorded for you. Ability to edit and update information as needed. impulsesave is a registered trademark of True Potential Investments LLP.

22 OUR AREAS OF EXPERTISE Investment Planning Reliable wealth management advice and creating the right investment strategy are crucial elements in securing your future financial well-being. If you are looking to invest for income or growth, we can provide the quality advice, comprehensive investment solutions and ongoing service to help you achieve your financial goals. Our carefully constructed, risk-rated strategy funds enable you to spread your investments across a wide range of global asset types and choose fund managers with different investment styles to create a balanced and diversified investment solution. Retirement Planning Regardless of where you are in life, it is important to receive expert and professional advice on your pension plans and requirements. Whether you need to set up or review existing retirement planning strategies, for you or your employees, we have ways to help you make the most of your retirement opportunities. Protection for You and Your Assets Protecting your family and yourself from unforeseen circumstances is essential now and in the years to come. Providing protection cover in the various forms of life, critical illness and disability solutions is one of the fundamentals of our partnership. Gone are the days when Inheritance Tax (IHT) only affected the very wealthy. Yet while many people are aware of the need for IHT planning, few still do anything about their potential liability. IHT is just one of the many areas to consider when protecting your family and home - others include Capital Gains Tax, illness and loss of income. Assessing the right protection for your specific needs is essential to any wealth management solution.

23 Family Office Services When it comes to managing your financial affairs, efficiency is key. Many of our clients have other trusted advisers, such as solicitors and accountants, and we can liaise with them on your behalf as part of our inter-disciplinary family office services. This ensures that important matters are not missed between advisers and that work is not duplicated. Plus, through the use of True Potential s technology, we can offer these professionals a system that allows them to upload and store your important deeds and agreements directly to your True Potential client site so you can view everything you need in one central location. Mortgages & Borrowing A mortgage is one of the biggest financial commitments most of us are likely to make in our lifetime. So if you are a first time buyer or have a property portfolio, having the right mortgage can save you thousands of pounds. Also, with so many lenders offering such a vast array of products, it is vitally important to seek the right specialist advice. We can provide you with access to a great range of products offered by lenders across the marketplace.

24 Registered Head Office: Newburn House, Gateway West, Newburn Riverside, Newcastle upon Tyne, NE15 8NX London Office: Grosvenor Gardens, Belgravia, London, SW1W 0EB T: E: True Potential Wealth Management is authorised and regulated by the Financial Conduct Authority. FSR number True Potential Wealth Management LLP are classified as a hybrid advice firm which means we have a mix of advisers giving both independent and restricted advice. In the main, our advice will be restricted to the products and funds available on the True Potential Investments Wealth Platform unless this is not appropriate and we will then search the whole of the market. Beyond Wealth Management service is specifically designed for clients wishing to access their financial affairs online. Investments can fluctuate in value and investors may not get the amount back they invest. Tax treatment is dependent upon individual circumstances and may be subject to change in the future. Your home may be repossessed if you do not keep up repayments on your mortgage.