Personal financial planning for life’s journey

With you every step of the way

Our goal is to put in place the foundations to

build strong financial futures to empower

you to achieve your financial goals.

Your financial plan is like your travel itinerary. It factors

in where you want to get to and the places you want to

visit along the way. Our job is to help you reach each

destination at the right time in your life. We will

research the best ways to get to each of your

destinations and together we’ll revisit your

itinerary on a regular basis in case your plans

change along the way or take an unexpected

detour. We’ll also take care of the smaller

details like protecting your journey

and ensuring you make the most

of your money.

Getting from A to B

Products like pensions and investments act

as your modes of transport that help you to

get from one place to another in your life.

There are lots of options available, some

get you to your destination faster than

others but may cost more or have slightly

higher risk associated to them, whilst other

methods are slow and steady.

Financial planning

Developing a financial plan that protects you now, and in the future, means that you are well prepared

for whatever lies ahead. We take time to thoroughly understand your short, medium and long term

goals and will develop a financial plan to help you to achieve these.

Making the most of your money

Like any good journey you embark on, you

want to maximise your spending money.

Effective tax planning does just this and

ensures you obtain as much of your wealth

as possible, leaving you more to enjoy

yourself or pass on to the next generation.

Protecting your journey

Like any great adventure, the unexpected

can still happen and the road ahead may

get bumpy.

Good planning will ensure your whole

journey isn’t thrown off track and will put

appropriate protection in place to help

you continue to the next stage with

minimal disruption.

Investments Whether you’re new to investments or want to re-evaluate your existing mix,

our expert advisers will develop a personal investment portfolio with a risk

level that reflects your financial ambitions.

Your portfolio can be created using current

available cash or by transferring assets

currently held in other tax wrappers such

as pensions and ISAs. We’ll always ensure

that you continue to receive the existing

beneficial tax treatment, or even enhance

it by innovative financial planning ideas.

Managing risk

Initially, we gauge your feelings towards

investment risk and establish the

investment returns you expect.

We then compare these against the actual

investment history of different asset types,

in order to ensure that your personal

investment portfolio will contain the right

spread of risk and aim to produce the sort

of returns you anticipate.

We then construct your portfolio which

will incorporate a well diversified range of

investments. Once in place, the blend of

different investments and their performance

is constantly monitored with any additions

or replacements being made promptly.

This style of investment management aims

to produce consistent results which can

be easily accessed from regular reports or

online through your investment platform.

We will help to calculate

how big your retirement pot

needs to be, build your pot

and then help it to grow

Pensions Making the right retirement choices are likely to be some of the most

important decisions you’ll ever need to make.

Retirement is not the end of your journey

but an expedition in itself.

The right pension products will help

to ensure you can draw an income in

retirement that enables you to enjoy

the things you love doing and enrich

your journey.

Building your pension pot

We will help to calculate how big your

retirement pot needs to be, build your pot

and then help it to grow. We’ll factor in

any work place pensions you may already

have and look at what else we need to put

in place in order for you to take the right

income at retirement.

At retirement

When you approach retirement, we’ll help

you to choose the best option to provide

the right level of income for your future.

Having considered the role your state

pension will play in your plans, we will help

you understand the various benefits that

annuities and drawdown can bring and

make an informed recommendation as to

which option (or a mixture of both) is best

for you.

We’ll also talk you through the different

benefits of taking your tax free lump sum

at various stages of your retirement so that

you maximise the value of this benefit.

Our advisers will tailor a

solution that is specifically

suited to your assets and

your aspirations

Estate planning

Our job is to ensure your loved ones are

the biggest beneficiaries of your estate.

For some, it makes good financial sense to

start passing on assets whilst you are still alive

whereas a dedicated insurance policy may

be more suitable for others. Our advisers will

tailor a solution that is specifically suited to

your assets and your aspirations.

Our estate planning advice can ensure that

your will is properly structured, and your

assets are invested in such a way as to

minimise the effect of inheritance tax, whilst

giving you the continuing access to capital or

income you need. In certain circumstances,

this reorganisation can also have the beneficial

effect of reducing your income tax bill.

Tax planning

The UK’s tax system is highly complicated

which makes tax planning a complex yet

vital part of a sound financial plan.

Effective tax planning can help you to

preserve your wealth, often saving clients

tens of thousands of pounds.

Once we have established a tax efficient

financial plan, we will then continue to

provide advice around income tax, capital

gains tax and inheritance tax. Our tax

planning service ensures you comply with

UK law but only pay the right and fair

amount of tax, no more and no less.

Protection

Taking on a mortgage whether to buy your

own home, or for investment reasons is

one the biggest financial decisions you will

make on your journey.

Whether you are considering equity release,

re-mortgaging to raise funds, or need to

fund a non-standard construction, we assess

the market daily to ensure we find you the

best mortgage products available.

Our mortgage experts bring a wealth of

knowledge, experience and understanding

to this decision and our independence

ensures you understand all of the

available options in the market.

Mortgages

Taking on a mortgage whether to buy your

own home, or for investment reasons is

one the biggest financial decisions you will

make on your journey.

Whether you are considering equity release,

re-mortgaging to raise funds, or need to

fund a non-standard construction, we assess

the market daily to ensure we find you the

best mortgage products available.

Our mortgage experts bring a wealth of

knowledge, experience and understanding

to this decision and our independence

ensures you understand all of the available

options in the market.

Working with you

Our job is to make sure the right

assets are in the right hands at the

right time. We do this by regularly

monitoring your financial plan to

ensure it continually reflects

your short, medium and

longterm goals.

Getting to know you

This is our opportunity to get to know each

other so your adviser understands your

current situation and financial aspirations.

They will also explore your attitude to risk

to ensure any future solutions meet your

expectations and needs.

At Ascot Lloyd, we bear the cost of this initial

meeting but you can meet with your adviser

at a location of your choice. Some clients

enjoy the familiarity of their own home, whilst

others prefer to come and visit us at one of

our offices (or another venue of your choice).

Agreeing our relationship

We provide a range of different service levels

to suit your needs. From a ‘traditional’ service

with a yearly review meeting and valuation,

or a fully bespoke service that enables you

to choose how frequently we provide these

services to you.

Your adviser will go through the options

available and together you can agree

the one that suits you best.

The five steps

Behind the scenes

Now it is time for us to do the hard work. Your

adviser, with the support of our wider team,

will prepare your financial plan.

To do this, they will carry out whole of market

research and find the most appropriate

solutions that will help you reach your

financial objectives.

Putting it in to practice

Your adviser will meet with you for a second

time and go through your proposed financial

plan. They will explain each of the solutions to

you and answer any queries you may have.

Once you are happy with your financial plan,

your adviser will go through some formalities

with you that will enable us to set your

financial plan in to action.

Staying on top

The key to any sound financial plan is ensuring

it reflects any changes in your financial

situation. Your adviser will schedule regular

review meetings with you in-line with the

service level agreed.

At these meetings, we will review your short,

medium and long-term objectives and go

through any significant changes in your

circumstances.

If your circumstances do change and you

would like to adjust the level of service we

provide, your adviser will be happy to

discuss this with you at any time.

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Bespoke Wealth

This is our most comprehensive service

which, as the name suggests, can be made

bespoke depending on your individual

requirements. This is most suitable for

clients with pensions and/or investments in

excess of £1 million.

You can decide how many times you would

like to meet with your adviser throughout

the course of the year and when and

how frequently you would like

valuations completed.

Financial planning

We understand that everyone’s personal financial situation and aspirations are different. That’s why

we offer four different levels of service to our clients. Our service levels range from telephone based

review and advice to a fully bespoke offering where you and your adviser can agree how our service

will be built to satisfy your requirements.

Wealth

A comprehensive service which includes

many of the benefits contained within the

Bespoke Wealth offering, but without the

ability to make bespoke service agreements.

This option is most suitable for clients with

pensions and/or investment funds between

£500,000 - £1 million. This option includes

two face-to-face review meetings with your

adviser and half yearly valuations

as standard.

Foundation

This is a ‘traditional’ service which includes a

yearly face-to-face review meeting with your

adviser and an annual valuation. This option

is most suitable for clients with pensions

and/or investment funds between

£100,000 - £500,000.

Connect and Connect Plus

Entry level services comprising telephone

based advice and reviews which is ideal for

those with lower levels of investable assets.

Planning

We believe it’s important to consider the

bigger picture when providing financial

advice. That’s why we focus on creating

financial plans that enable companies and

individuals to meet long-term financial goals.

This means you can be confident that we

have considered the future implications of

any advice we provide and ensures your

short term needs compliment your long

term objectives. But we also understand that

circumstances change. That’s why we revisit

and update your plan as your needs change.

The Ascot Lloyd difference

We believe we have a refreshingly different approach to working with our clients. Whilst we have a

strong technical pedigree to manage even the most complex financial situations, we’re pragmatic and

practical in the solutions. We strive for excellence in everything we do and believe this is something

that makes us truly special.

Independence

Because we are completely independent,

we explore the whole of the market before

making our recommendations to you.

This means you can be sure your financial

plan has been thoroughly researched and

the solutions we implement are the most

suitable for your needs.

Service

We believe that to receive the best service,

you need a great relationship, not just with

your financial adviser, but with the whole

company. This means that no matter who

you speak to here at Ascot Lloyd, you’ll get

the same quality service and professionalism

from people that you know and trust.

Client satisfaction

We encourage and welcome feedback from

our clients to ensure we continue to deliver

the highest levels of customer service.

We listen to the needs of our customers

and use any feedback to inform the

future decisions of our business.

Call 0345 475 7500

Visit www.ascotlloyd.co.uk

Email info@ascotlloyd.co.uk

Ascot Lloyd is a trading style of Capital Professional Limited, which is authorised and regulated by the Financial Conduct Authority. FCA Number 578614. Registered in England and Wales No. 07584487. Registered Office: 6th Floor, Reading Bridge House, George Street, Reading, RG1 8LS.