NEWCASTLE

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Guy Foster, Head of Research, presenting an economic breakfast at Rockliffe Hall, Darlington.

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WE CAN HELP YOU MAKE YOUR MONEY WORK HARDEROur clients rely on us to help protect and grow their wealth. They value our ability to give them peace of mind and intelligently manage their long-term financial aspirations – like finding tax-efficient ways to invest a lump sum, setting up a retirement plan or reducing inheritance tax.

Individuals, charities and organisations trust our ability to seek out suitable investment opportunities, whatever the economic climate – we have the means to adapt quickly and help make a meaningful difference to your finances in today’s fast-changing markets.

As the investment world becomes more complex, you can take confidence from a relationship where your interests come first. We also have annual face-to-face client reviews to make sure everything is on track.

Restricted advice, not restricted quality of service While Brewin Dolphin looks across a wide range of financial products and services in order to meet your needs and objectives, we will not review all Retail Investment Products in the market. As such we offer a ‘Restricted Advice’ service.

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To help you achieve your financial goals, it’s very important we get to know you. The more we discover, the better quality of service we can give.

We explore your personal financial objectives and discuss whether integrated financial management, investment management or financial planning would suit you best. We find out how much risk you are comfortable taking and can afford to take. You might have to accept a greater level of risk to achieve the potential for higher returns.

Of course, you may prefer to take very little risk, and be content with the returns and service from a regular bank account. It’s a fine balance. If you take too little risk your returns may not counter the effects of inflation, while too much could deplete the funds you have in the event of a downturn. This is where our experience truly comes into play.

So if you think you would benefit from astute financial planning and proven investment strategies – with a prudent approach to all of your finances – why not join the many clients across the North East who trust Brewin Dolphin?

What is discretionary wealth management? Discretionary wealth management is what our investment management service is known as. You delegate the day-to-day management of your investments to your investment manager. This will suit investors who prefer the peace of mind associated with having their affairs looked after by someone with both experience and knowledge and who can act quickly on their behalf.

WHERE EXPERIENCE MAKES A DIFFERENCE: ESTABLISHING WHAT’S RIGHT FOR YOU

Durham Cathedral

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The value of investments can fall and you may get back less than you invested.

A secure future demands careful preparation, but getting there needn’t be difficult. This focus on clarity is why many of our clients rely on our integrated financial management service – where we combine our investment management and financial planning expertise.

We look at your complete financial situation to devise an approach that suits you. We recognise that unpredictable stock markets need careful navigation, complicated insurance products need explaining and the intricate tax landscape requires proven know-how.

So we aim to ensure you get the right mix of services, and that we can respond to changes in both the marketplace and your circumstances to help you attain financial security.

What is financial planning?Financial planning is carried out by professionals who skilfully help you manage your financial affairs and ensure you achieve your future needs. They use their experience to devise a personalised approach to such areas as retirement planning, life assurance and income protection and help you navigate the complexities of taxation including inheritance tax. Importantly, by seeking to understand all of your finances – such as the impact, for example, putting more in a retirement fund may have on your future tax liabilities – we can create a structure that is suitable to your particular situation.

What is investment management?Investment management is a service offered by qualified and experienced professionals who invest money on behalf of others. Their knowledge covers a broad range of investments such as stocks and bonds, property and commodities, and where, for example, to seek out better returns when interest rates are low. They actively find the best ways to make the most of your money. Our investment managers are highly trained, and, supported by our award-winning research capabilities, can create a robust portfolio that reflects your individual requirements.

THE CLEAR ADVANTAGES OF INTEGRATED WEALTH MANAGEMENT

2014 Best Discretionary Service Award –

City of London Wealth Management Awards

2014 Platinum award (Cautious and Balanced Portfolios) – Portfolio Adviser Wealth Management Awards

2013 Best Cautious Portfolio award (Managed Funds Service) – Citywire

2010 Large Firm Adviser Choice award – Citywire

2010 Investment Research Award – Investment Week Fund Manager of the Year Awards

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A FINANCIAL PLANNING SERVICE THAT ADAPTS TO YOUR NEEDS AND IS RELEVANT TO YOUR FUTURETo ensure that your future goals and aspirations are on track, you need to have a plan that is solid enough to meet your demands but flexible enough to adapt when necessary. Many of us could do with a hand in this respect, and many of our clients value the expertise our financial planners bring – it is likely we have come across certain circumstances similar to yours before. We have the breadth, knowledge and proven experience to offer truly personalised advice across every aspect of your finances.

We are not tied to a pre-selected panel of providers, and look across a wide range of financial products and services in order to meet your

needs and objectives. After we meet with you to gain a clear understanding of your requirements, our financial planners put together a strategy that is flexible enough to adapt when your life changes.

Our comprehensive financial planning advice spans several key areas. These include retirement planning, protection, taxation, trusts and inheritance tax planning, as well as investment advice in conjunction with our investment managers.

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Retirement planning – guiding you through the mazeOur experts can advise on all aspects of retirement planning, including reviewing your existing pension arrangements. As part of the process of sourcing a suitable pension, our financial planners can explain the benefits of more individual solutions such as Self Invested Personal Pensions (SIPPs) and help you decide whether an annuity is right for you.

Protection – safeguarding your financial wellbeingProtection is the broad term for a range of financial products which aim to safeguard you and your family’s financial wellbeing – whatever life may throw at you. These include life assurance (a lump sum for your dependants if the worst happens), income protection (helps you sustain your lifestyle if accident or illness mean you can’t work) and critical illness cover (a lump sum if you contract a severe illness covered by the policy). We search across the protection market to find the most appropriate solutions for your circumstances – with the aim of giving you and your family greater peace of mind.

Taxation, trusts and inheritance tax planning – in-house expertise makes a differenceAstute tax planning is vital to ensure that all of your money works smarter (and so more of your wealth passes to your family and less to HMRC). Our in-house expertise in tax-effective structures such as ISAs and pensions takes into account your tax position when planning and gives you personalised investment advice. Investing offshore can also deliver significant tax advantages and provide you access to investments not available in the UK.

Investment advice built on a cohesive strategy Our financial planners work closely with our experienced teams of investment managers so we can take a complete view of your finances – and act promptly in your favour where necessary. This approach ensures we can fully analyse your current investments, helping you to create a truly personalised and seamless way of managing your money efficiently.

For example, your investment manager has the knowhow to construct your ISA portfolio so that it complements your other investments. We can also arrange the transfer of existing ISAs so they are managed elsewhere within the context of your overall investment portfolio.

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You should be aware that all tax advantages are subject to changes in legislation and their value depends on your personal circumstances. Your adviser will be happy to discuss any of these in greater detail. None of our services are suitable for everyone, but we can advise you on the services that are suitable for you. The value of investments can fall and you may get back less than you invested.

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A PROVEN INVESTMENT MANAGEMENT SERVICE BACKED UP BY AWARD-WINNING RESEARCH INSIGHTS

We are independently owned and have the freedom to choose from a wide range of providers to offer products and services which match your requirements. So we will only invest your money in the asset classes (eg, shares, bonds, property) which suit you and as efficiently as possible to deliver the outcomes you need.

This hands-on approach means we constantly monitor your portfolio. It allows us to act swiftly when markets change to make the most of any opportunities. This may suit investors who favour a specialist team to make difficult but always prudent decisions about their money.

A rich heritage of research reinforces our convictionOur clients benefit from an award-winning research service, whose experience and capabilities bring us insights seldom matched in the industry. We believe the core of good research is to dig deep, behind the numbers and the stories – to find the attributes of a company or sector (eg, consumer goods or financial) that matter.

With this smart research at their disposal our investment management teams are well positioned to offer a better quality of advice and service. Our investment managers use this intelligence – gathered from 17 full-time analysts – to give them a valuable edge when making decisions on your behalf.

Keep up-to-date with online portfolio valuations, gain useful investment information through our websiteAs a client, you can securely access your portfolio online and check how your investments are performing at any time and from anywhere. Our website, and timely blog posts, offer a wide range of valuable and relevant investment updates, leading market information and commentary by industry specialists. Many of our clients find it’s a reliable way to stay up-to-date with the latest movements and trends in financial markets.www.brewin/newcastle

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OUR SPECIALIST TEAM MANAGING CHARITY AND PENSION FUNDS

The Newcastle Asset Management Team is one of the group’s specialist Fund Management Teams which specialises in looking after Company Pension Schemes and Charitable Trusts.

The team has a long record of helping trustees to achieve their required levels of income and manage a range of risks, ensuring that their investment policy and portfolio respond to the changing legislative landscape.

It is not just about managing the money – we are happy to review or assist you in drafting your Investment Policy Statement, provide professional investment advice, offer trustee training and work with you closely as you review your finances and budgets.

We are also experienced in managing mandates with ethical considerations and use the EIRIS (a global responsible investment research specialist) system to screen portfolios to ensure that stocks held are compliant with their specific policy criteria.

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OUR COMMITMENT TO THE NORTH EAST COMMUNITY

We are proud to play an active part in the life of the North East.

We are sponsors of The Entrepreneurs’ Forum which encourages and nurtures growing businesses, the North East Chamber of Commerce’s Presidents’ Club and The Journal’s North East Business Executive of the Year Awards.

We are also involved in a number of cultural initiatives including sponsorship of Newcastle’s famous Theatre Royal, Sage Gateshead and The Literary and Philosophical Society, the largest private library outside London.

The North East is a sport-loving area and Brewin Dolphin is no exception. We sponsor Durham County Cricket Club, Northumbria University Sport, and many other sports clubs throughout the region.

We actively support local charities, often as trustees, or through fund raising activities.

Clockwise from far right: Kyra Humphreys, Royal Northern Sinfonia, Nicola Short, Entrepreneurs’ Forum, Anthony Harrison, Northumbria University, Anthony Dorman, Theatre Royal and Phil Mustard, Durham County Cricket Club.

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Northumberlandia (Goddess of the North) is the world’s largest human form sculpted into the landscape which was completed in 2012, near Cramlington, Northumberland.

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We are one of the largest independently-owned discretionary wealth managers in the UK, with offices throughout the country including the Channel Islands and over £28 billion in funds under management.

Our roots in the North East are extremely strong and can be traced back to the founding of Wise Speke in 1903. Wise Speke was a business that grew successfully and developed a strong regional clientele. It joined Brewin Dolphin in 1998 and took the group name in 2008 to coincide with our move to larger newly built offices in Newcastle.

Our success is founded on a firm belief that, because your financial needs are unique, the wealth management advice you receive should be too. We’ve worked this way for generations, providing individually crafted solutions that help our clients to preserve and create wealth.

Today, we are putting that accumulated experience to work for many thousands of clients including private clients, charities and pension funds.

OUR HISTORY NEXT STEPS

To get in touch and arrange a no-obligation meeting with one of our experts, please contact us.

Telephone 0191 279 7415 or email newcastle@brewin.co.uk or visit us at:

Brewin Dolphin Time Central 32 Gallowgate Newcastle NE1 4SR

www.brewin.co.uk/newcastle

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INVESTMENT MANAGEMENT

William Baker Baker Head of Office T: 0191 230 7150 E: william.bakerbaker@brewin.co.uk

William joined the company in 1987, spending 20 years at the Teesside office before coming back to Newcastle as Head of Office in 2013. Prior to Brewin Dolphin he spent ten years in the Armed Forces. He was chairman of the Darlington Building Society from 1998 to 2009 and is a Chartered Fellow of the Chartered Institute for Securities & Investment. William manages portfolios for private clients, trusts and charities.

Lorraine Armstrong Divisional Director T: 0191 279 7534 E: lorraine.armstrong@brewin.co.uk

Lorraine joined Brewin Dolphin in 1998 and manages private client portfolios. During her time here she has managed portfolios for charities and pension funds for the firm’s asset management team. Lorraine is an accomplished presenter, has written several articles for the press and sits on the firm’s asset allocation committee.

James Cartmell Divisional Director T: 0191 279 7461 E: james.cartmell@brewin.co.uk

James started his career here in 2001 after studying economics and accountancy at Newcastle University. He manages portfolios for individuals and trusts as well as self invested personal pensions both for existing and new clients. Before joining Brewin Dolphin James played rugby for Newcastle Falcons.

Michael Condon Divisional Director T: 0191 279 7524 E: mike.condon@brewin.co.uk

Michael has been managing private client portfolios for over 20 years and his particular area of expertise is collective investments such as unit trusts and OEICs. He also advises company employees on share schemes, principally SAYE (Share saves) and share options.

Gary Fawcett Divisional Director T: 0191 279 7440 E: gary.fawcett@brewin.co.uk

Gary joined Brewin Dolphin in June 2000 as a graduate trainee, having secured a BA (Hons) Degree in Business Studies from Northumbria University. He is a Chartered Wealth Manager of the Chartered Institute for Securities & Investment and has been a member of the office’s Management Committee for almost three years. Gary’s responsibilities include the management of portfolios on a discretionary basis for individuals, trusts and charities. He is also a regular commentator for local media.

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Charlie Fellowes Divisional Director T: 0191 279 7470 E: charles.fellowes@brewin.co.uk

Charlie is a Fellow of the Chartered Institute for Securities and Investments and has over 29 years’ experience in managing portfolios on a discretionary basis for individuals, trusts and charities. He joined Wise Speke in 1985, where he became integral in dealing with the many firms undergoing privatisations in the 1980s. He was subsequently promoted to Director in 1990. As an accomplished wealth manager, with a wide range of experience in dealing with the fast-paced and changing face of the markets, this knowledge has enabled him to provide invaluable steer and insight to the firm’s Management Committee in Newcastle.

Christine Hawdon Divisional Director T: 0191 279 7459 E: christine.hawdon@brewin.co.uk

Christine has been with Brewin Dolphin since 1993. She specialises in the management of portfolios for private clients, trusts, charities, companies and pension funds. She is a Chartered Fellow of the Chartered Institute for Securities and Investment.

Barney Hawkins Divisional Director T: 0191 279 7784 E: barney.hawkins@brewin.co.uk

Barney specialises in the management of portfolios for private clients, trusts, charities and companies. Barney began his career in the industry in the late 1980s. A Chartered Fellow of the Chartered Institute for Securities and Investment, Barney takes a keen interest in economic affairs and in formulating investment strategy across a range of international markets.

Steven Keppie Divisional Director T: 0191 279 7431 E: steven.keppie@brewin.co.uk

Steven began his career at Brewin Dolphin in 1995. He has worked in a variety of roles and has extensive knowledge and experience in dealing with private clients and professional intermediaries. Steven is a Chartered Fellow of the Chartered Institute for Securities & Investment and manages portfolios for individuals, trusts, charities and pensions.

Jane MacAlister Divisional Director T: 0191 279 7454 E: jane.macalister@brewin.co.uk

Jane’s speciality and area of expertise is in the management of investments for private individuals, trusts and charities. She has 22 years’ experience in this discipline and is a Fellow of the Chartered Institute for Securities & Investment and a Chartered Wealth Manager. She joined the company (then Wise Speke) as a graduate trainee.

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Richard MacAlister Divisional Director T: 0191 279 7417 E: richard.macalister@brewin.co.uk

Richard joined Brewin Dolphin in 1987, after completing a degree in chemistry at Oxford University. Richard manages charities, pension funds, trusts and high net worth individuals and is the appointed director of investment for the Newcastle office. He has been a key member of the group’s investment strategy committees for many years and has chaired the Asset Allocation Committee for the past few years.

Campbell MacLachlan Divisional Director T: 0191 279 7474 E: campbell.maclachlan@brewin.co.uk

Campbell joined Brewin Dolphin in 2000 and manages investments on behalf of individuals, trusts and local charities. Campbell also works in partnership with other professional firms in managing portfolios on behalf of their clients.

Marguerite Myers Divisional Director T: 0191 279 7438 E: marguerite.myers@brewin.co.uk

Originally from Jersey, Marguerite gained investment experience with Hambros before joining Brewin Dolphin in 1975. Marguerite manages portfolios and SIPPs for a wide range of clients. Marguerite is active in the local community and has been involved in charity fundraising for the British Lung Foundation.

Margaret Nesbitt Divisional Director T: 0191 279 7445 E: margaret.nesbitt@brewin.co.uk

Margaret is a Chartered Wealth Manager of the CISI and specialises in managing investment portfolios on both a discretionary and advisory managed basis for a wide variety of private clients. She has over 16 years’ experience with the firm and was appointed Divisional Director in 2005.

Anthony Peart Divisional Director T: 0191 279 7436 E: anthony.peart@brewin.co.uk

Anthony is a Divisional Director at Brewin Dolphin and has over thirteen years’ experience within the industry. Anthony completed a degree in Business Studies at Northumbria University and joined the company in 1999. He has experience in managing investments for individuals, trusts as well as self invested personal pensions. Anthony is a Chartered Fellow of the Chartered Institute for Securities and Investment.

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James Rainbow Divisional Director T: 0191 279 7423 E: james.rainbow@brewin.co.uk

James joined Brewin Dolphin in 1988 and was promoted to Divisional Director in 1997. He has played an integral part in developing the private client investment management business over the last 25 years. As a Chartered Fellow of the CISI James specialises in discretionary investment management for individuals, trusts and small charities. James takes a keen interest in economic affairs and in formulating investment strategy across a range of international markets.

Andy Webb Divisional Director T: 0191 279 7526 E: andy.webb@brewin.co.uk

Andy manages investment portfolios for a wide range of clients incorporating private clients, trusts, SIPPs and other types of pension scheme. Andy joined Brewin Dolphin over 16 years ago, having previously worked for a major bank, and has worked in the industry for over 20 years.

Fergus Westwood Divisional Director T: 0191 279 7442 E: fergus.westwood@brewin.co.uk

Fergus is a Divisional Director of Brewin Dolphin and a Chartered Wealth Manager. He began his career with PwC before joining Brewin Dolphin in 1999 and specialising in managing investments for private clients, including ISAs and personal pensions, charities and small institutions. He began his career with the company in London before returning to Newcastle in 2005.

Nicholas Wilson Divisional Director T: 0191 279 7439 E: nicholas.wilson@brewin.co.uk

Nicholas joined Brewin Dolphin in 1996. Over this time he has played an integral part in developing the private client investment management business. He specialises in investment management for private individuals, trusts, pensions and small charities. Nicholas heads up one of the five investment teams for the office.

John Duns Divisional Director - Business Development T: 0191 279 7415 E: john.duns@brewin.co.uk

John joined Brewin Dolphin in 2008 and is responsible for business development in the region. Previous management sales and marketing roles include law firm Watson Burton, investment managers Greig Middleton and Thomson Newspapers. John plays an active role in promoting business success in the region as a judge for The Journal North East Business Executive of the Year award.

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FINANCIAL PLANNING

Jo Jackson Head of Financial Planning Newcastle T: 0191 230 7155 E: joanne.jackson@brewin.co.uk Jo has over 17 years’ experience of working within the financial services industry gained in the private banking and insurance sectors. She works alongside the investment teams, specialising in providing strategic financial planning advice for Brewin Dolphin clients. Jo deals with private clients, entrepreneurs and companies, and her areas of expertise include estate planning, retirement planning and wealth management.

Gareth Davies Divisional Director T: 0191 230 7290 E: gareth.davies@brewin.co.uk

Gareth is a Chartered Financial Planner with over 13 years’ industry experience. He is a Fellow of the Personal Finance Society, with a specialism in pensions and retirement planning. Gareth is authorised and experienced in providing a wide range of financial services advice, with recent work including advice to retiring business owners on the restructure of their financial affairs and inheritance tax planning.

George Slack Divisional Director T: 0191 279 7370 E: george.slack@brewin.co.uk

George is a chartered financial planner with over 20 years’ experience of working within the financial services industry gained in the private banking, insurance and accountancy sectors. He works alongside the investment teams, specialising in providing strategic financial planning advice for Brewin Dolphin clients. Areas of expertise include estate planning, retirement planning and wealth management.

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BD1405/06/14Brewin Dolphin Ltd is a member of the London Stock Exchange, authorised and regulated by the Financial Conduct Authority No. 124444 Registered office: 12 Smithfield Street, London EC1A 9BD. Registered in England and Wales No. 2135876

Time Central, Gallowgate, Newcastle upon Tyne, NE1 4SR

T 0191 279 7797 W brewin.co.uk/newcastle

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