Personal financial planning and corporate financial services

Personal financial planning and corporate financial services

Ascot Lloyd Financial Services Ltd is authorised and regulated by the Financial Conduct Authority www.fca.org.uk number 150620 2014 Ascot Lloyd Financial Services. OUR SERVICES INCLUDE: Personal Financial Planning Wealth management Investment planning Retirement planning Inheritance tax planning Long-term care planning Mortgage advice Protection products Tax planning Corporate Financial Planning Company pensions Corporate investment planning Group income protection Group life insurance Shareholder protection Financial management for Directors

Personal financial planning and corporate financial services SERVICE OVERVIEW CONTENTS 02/03 ABOUT US 04/05 WHY DO I NEED FINANCIAL PLANNING? 06/07 PERSONAL FINANCIAL PLANNING 08/09 CORPORATE FINANCIAL SERVICES 10/11 CONTENTS About us 04 Why do I need financial planning? 06 Personal financial planning 08 Corporate financial services 10 Client support 12 Fee structure 13 Contact us 14 CLIENT SUPPORT / FEE STRUCTURE 12/13 CONTACT US 14/15

ABOUT ASCOT LLOYD ABOUT ASCOT LLOYD I was given advice in a clear and concise manner, free from unnecessary financial jargon. Our services for personal and corporate finances We understand that everyone s circumstances are different but home and work life finances are often interlinked. That s why we offer both personal financial planning advice and corporate financial advice to companies, directors and business owners. WHAT WE DO We offer independent financial advice to individuals and companies across the UK. Our commitment to providing information that is not only relevant, but is also explained in a clear and concise manner, means that you benefit from advice that is free from unnecessary financial jargon. Most importantly, we take time to meet with you face-to-face, since we strongly believe this builds a more trusting and long-term relationship. WHAT MAKES US DIFFERENT We pride ourselves in offering a personal service, taking care to thoroughly understand your unique needs and aspirations. Our financial advisers use the latest technology to ensure the advice they are giving you is up-to-the minute and can be supported by online access to your investments so you can track the performance of your funds at any time.

WWW.ASCOTLLOYD.CO.UK LET ASCOT LLOYD EXPERTLY GUIDE YOUR FINANCIAL PLANS ABOUT US 04/05 WHY DO I NEED FINANCIAL PLANNING? 06/07 PERSONAL FINANCIAL PLANNING 08/09 CORPORATE FINANCIAL SERVICES 10/11 CLIENT SUPPORT / FEE STRUCTURE 12/13 CONTACT US 14/15

WHY DO I NEED FINANCIAL PLANNING? Developing a financial plan that protects you - now and in the future - means you are well prepared for whatever the future holds, rather than waiting for a crisis situation that may significantly affect your financial situation.

WWW.ASCOTLLOYD.CO.UK WHY DO I NEED FINANCIAL PLANNING? As life expectancy rises, many of us can expect 45 years in employment followed by 30 years of retirement. Make sure you re not left struggling by planning your finances effectively. We can help you with your financial planning and on-going reviews. This is about developing strategies to help you manage your financial affairs - and the first step is to make sure you have access to the right advice. Your goals might be short, medium or longterm and may include areas such as buying a home, planning for retirement, funding long-term care or inheritance tax planning. WHY DO I NEED FINANCIAL PLANNING? 06/07 PERSONAL FINANCIAL PLANNING 08/09 CORPORATE FINANCIAL SERVICES 10/11 On your own, it s hard to comprehend the intricacies of investment, taxation and the ever changing rules and regulations. That s why we offer professional advice using language that is easy-to-understand and delivered personally. At Ascot Lloyd we ll help you analyse where you are now, what you may need in the future and what you should do to meet your objectives. Financial planning is all about having the right money in the right place at the right time. Utilising the expertise and knowledge of one of our qualified independent financial advisers, you can be assured that you and your finances will cope with any unexpected events that life might throw at you. Financial planning will also help you realise your dreams and give you peace of mind. CLIENT SUPPORT / FEE STRUCTURE 12/13 CONTACT US 14/15

PERSONAL FINANCIAL PLANNING PERSONAL FINANCIAL PLANNING Are you confident that you can achieve the lifestyle you want in your retirement? Would your current financial arrangements cope with an unexpected event such as the death or illness of you or your partner? Are you sure that your present investments are achieving the best returns? Are you comfortable with the risk levels you are taking on your investments? For us it was about security for ourselves, our children and even our grandchildren. Mr & Mrs A Jacobs Our personal financial planning service aims to provide: Retirement planning to safeguard your financial future whilst matching your aspirations A sound investment strategy to deliver returns without taking more risk than you feel comfortable with Tax efficient investing to increase your actual returns Income and wealth protection to ensure you re covered against any financial misfortune.

WWW.ASCOTLLOYD.CO.UK Here s how Steve and Vanessa benefitted from our services: BACKGROUND Steve and Vanessa had reached their 40 s and had a young family. They had a reasonable level of savings in cash deposits, a few different Individual Savings Accounts (ISA s) and some pension plans, from both individual pensions and former employers schemes. THEIR SITUATION They were finding it difficult to compare the returns on each individual investment/pension as they received lots of different reports and valuations at different times throughout the year. This meant that they couldn t assess whether the total returns were as good as they should be. They were also concerned whether they were missing out on any clever tax planning that might save them tax and improve investment returns. They didn t have Wills in place and were unsure as to whether they had everything they needed to protect each other and their family, should one of them die or become seriously ill or injured. OUR SOLUTION After an initial meeting, where we clarified their specific goals and objectives, we reviewed their existing arrangements and prepared a detailed plan of action for them. This included consolidating most of their pensions and savings into investments that were continuously monitored and managed and that they could review online whenever they wanted. We also made sure that they were making full use of all available tax saving products and strategies. We advised them whether their existing protection policies were still competitive, recommended some restructuring together with suggested provisions that they should include within their Wills, which were prepared by our recommended lawyers. THE RESULT Having tidied up their affairs, they could stop worrying about their financial situation as they knew we were overseeing everything and would let them know as and when changes were needed. PERSONAL FINANCIAL PLANNING 08/09 CORPORATE FINANCIAL SERVICES 10/11 CLIENT SUPPORT / FEE STRUCTURE 12/13 CONTACT US 14/15

CORPORATE FINANCIAL SERVICES We helped our client understand the complexities of Auto Enrolment BACKGROUND With 120 employees, XYZ Ltd wanted to develop their employee benefits offering. However, they had no previous experience and a limited understanding of what was available in the market place. THEIR SITUATION Under the Pensions Act 2008, they had to meet their Automatic Enrolment duties just like all businesses within the UK but they were overawed by their responsibilities under this legislation and didn t have sufficient internal resource to take on an additional workload. OUR SOLUTION We met with them to thoroughly examine their Automatic Enrolment duties and the support we could offer. We explained all of the options as well as our costs to deliver the agreed services. Although XYZ Ltd had also looked elsewhere for advice they felt our expertise and approach would help them to meet their objectives more effectively. During the early stages we found out more about the company and agreed how we would work with them and their payroll provider. The next stage addressed the structure of the new pension scheme, including: Basis of pensionable pay Contribution structure Default investment funds Governance process Communications THE RESULT Completing these two phases enabled us to know enough about the company to assess the market place and recommend the most appropriate Qualifying Workplace Pension Scheme (QWPS) for their specific and individual circumstances. Our ongoing service ensures that they will be able to meet their auto enrolment responsibilities both now and in the future, without having to recruit additional in house resource, an outcome they were very happy with!

WWW.ASCOTLLOYD.CO.UK CORPORATE FINANCIAL SERVICES Making the complex simple Our corporate team will integrate seamlessly with your business to ensure that you can continue to focus on your company s strategy whilst we look after your financial concerns. This includes: Employee benefits such as company pension schemes, Group Life Insurance, Private Medical Insurance and Income Protection Protecting you and your business with Shareholder Protection and Key Person Insurance Investment opportunities ranging from low to higher risk investments for a company s surplus funds Profit Extraction and tax efficient planning for business owners and key personnel. Over 90%* of business failures are from management breakdown in many cases caused by the sudden loss of key personnel. Are you prepared? *Source: Federation of Small Businesses CORPORATE FINANCIAL SERVICES 10/11 Corporate financial planning requires very different expertise from personal financial planning, which is why we have a dedicated team of corporate advisers who offer independent financial advice to a wide range of organisations in a variety of industry sectors. CLIENT SUPPORT / FEE STRUCTURE 12/13 CONTACT US 14/15

CLIENT SUPPORT / FEE STRUCTURE CLIENT SUPPORT Professional support every step of the way Your dedicated financial adviser will help you establish and understand your personal and financial objectives, taking time to understand and build a thorough knowledge of your personal situation. Only then will we be able to offer you the most suitable financial recommendations. REGULAR REVIEWS We ll keep you on track to achieving your lifetime plan through regular reviews, advising you on anything that we feel might need adjusting. It s also a good opportunity to tell us about any changes that are happening in your life. KEEPING IN TOUCH You will receive regular updates and newsletters that keep you up to date with the latest news and relevant changes in legislation as and when they occur. 24HR ONLINE PORTFOLIO ACCESS Monitor your portfolio s performance whatever time of day or night, wherever you are, through our secure online investment portal. OUR CUSTOMER SERVICE TEAM As well as your dedicated financial adviser, we have a customer service team who are always on hand to provide any help and assistance needed. My time is valuable and with Ascot Lloyd, I m always kept up to date. Mr B Smith

WWW.ASCOTLLOYD.CO.UK FEE STRUCTURE Our fee structure and the method of payment will depend on the services you need and the type of relationship you want to have with us, whether it s on a one-off or an ongoing basis. Fees can be paid directly or deducted from any plans or investments that we oversee on your behalf. In certain circumstances VAT may be payable depending on the nature and level of service required. We will always provide a full explanation of our fees, together with any VAT implications, prior to any chargeable work being carried out. A tariff of charges is available detailing the full range of our services and showing examples of associated costs. It s unwise to pay too much, but it s worse to pay too little. When you pay too much, you lose a little money - that s all. When you pay too little, you sometimes lose everything, because the thing you bought was incapable of doing the thing it was bought to do. John Ruskin, 19th Century English poet CLIENT SUPPORT / FEE STRUCTURE 12/13 CONTACT US 14/15

CONTACT US CONTACT US We have a network of locations across the UK. This ensures we can provide our clients with a local service but with the experience and expertise of a national financial services organisation. Head Office Ascot Lloyd Financial Services Limited 4 Forest Court Oaklands Park Wokingham Berkshire RG41 2FD Telephone 0845 345 5111 Fax 0845 345 5311 Email info@ascotlloyd.co.uk www.ascotlloyd.co.uk It hardly seems possible that our recent transaction has been actioned and achieved in such a short timeframe and with such little effort (from my side at least!).

WWW.ASCOTLLOYD.CO.UK This will make an enormous difference to our situation; I wanted to tell you how much we both appreciate your professional advice and guidance in this matter. Mr & Mrs Pannell CONTACT US 14/15

Head Office Ascot Lloyd Financial Services Limited 4 Forest Court Oaklands Park Wokingham Berkshire RG41 2FD Telephone 0845 345 5111 Fax 0845 345 5311 Email info@ascotlloyd.co.uk www.ascotlloyd.co.uk