Financial planning service

Who are The Financial Planning Group?

• Established in 1993

• Based in Teddington, South West London

• We deliver a holistic financial planning service to Individuals, Companies and Trustees

• Authorised and Regulated by the Financial Services Authority

Who are we?

Key questions to consider

• Do you have a clear understanding of your financial goals?

• Are your investments producing a sufficient return to meet your goals?

• Will you be able to afford to pay for School and University fees for your children?

• When and how will you be able to repay your mortgage?

• Will your family be protected should you die?

• What happens if you lose your job or become incapacitated?

• You are planning a major lifestyle change; can you afford to do it?

• When can you afford to retire?

• How can you pass on your wealth to your family in the most tax efficient way?

Key questions

• We will help you to understand your current financial situation Using financial planning software we will put your assets, expenditure, tax, protection

and debt in context and relate these to your future plans and aspirations

• We have a structured investment process to manage the risk of your portfolio With the use of an investment platform we manage your portfolio in one place providing you with online access

• What you know as financial products - Pensions, ISAs, Bonds, Unit Trusts - will be recommended only as relevant tax vehicles

• We offer a comprehensive mortgage service - residential, holiday home, investment and business

• We will work with your accountant or solicitor to ensure a truly holistic approach to your finances

• We provide an ongoing relationship; your financial plan will be reviewed at least annually

• We will act as your agent in all communications with insurance companies and other providers to minimise the administrative burden and complexity of dealing with your financial affairs

Financial planning service

Financial planning service

Financial planning service

Financial planning service: Stages

1 Initial Meeting

Discuss your aims and learn about our service

2Gather data and set

goals and aims

3 We prepare your

fi nancial plan

4Present and discuss your

fi nancial plan

5 Implement the

agreed plan

6 Review your fi nancial

plan regularly

1

fi nancial plan

2Gather data and set

goals and aims Review your fi nancial

plan regularly

1Initial Meeting

Discuss your aims and learn about our service

Gather data and set goals and aims

Review your fi nancial plan regularly

3We prepare your

fi nancial plan Implement the

agreed plan

3We prepare your

fi nancial plan

4Present and discuss your

fi nancial plan

Implement the agreed plan

With you we explore and record all aspects of your fi nancial life to ensure the best possible starting point for your plan

Financial planning service

Financial planning service: Planning

We model your assets, tax, expenditure, protection and debt into the future and help you to decide on the shape of your fi nancial plan

Financial planning service

Financial planning service: Planning

Investment philosophy

• Our philosophy is based not on speculation but on the science of capital markets

• When investing for your long term future, return is the reward for the risk you take with your money

• Capital markets around the world are effi cient; there is no advantage to be gained from stock selection or market timing

• Diversifi cation reduces risk and Asset Allocation allows risk to be adjusted to fi t individual need

Investment philosophy

Eugene F. FamaEffi cient Markets HypothesisUniversity of Chicago - 1966

A picture of growth

2%  

12%  

9%  

9%  

11%  

10%  5%  4%  

36%  

2%  

WRAP  CASH  

UK  CORE  EQUITY  

UK  VALUE  

UK  SMALL  COMPANIES  

INTERNATIONAL  CORE  EQUITY  

GLOBAL  TARGETED  VALUE  

EMERGING  MARKETS  CORE  EQUITY  

EMERGING  MARKETS  TARGET  VALUE  

GLOBAL  SHORT  DATED  BOND  

STERLING  ULTRA  SHORT  FIXED  INCOME  

2%  

12%  

9%  

9%  

11%  

10%  5%  4%  

36%  

2%  

WRAP  CASH  

UK  CORE  EQUITY  

UK  VALUE  

UK  SMALL  COMPANIES  

INTERNATIONAL  CORE  EQUITY  

GLOBAL  TARGETED  VALUE  

EMERGING  MARKETS  CORE  EQUITY  

EMERGING  MARKETS  TARGET  VALUE  

GLOBAL  SHORT  DATED  BOND  

STERLING  ULTRA  SHORT  FIXED  INCOME  

Portfolio 4:10 Asset classes8626 Securities

Investment process

What this means for you?

• Your risk profile is assessed using a psychometric risk profiling questionnaire

• Your attitude towards risk is then put into the context of both your time horizon and planning goals

• We will help you decide on the most suitable portfolio to align to your financial plan

• Our role as the financial planner becomes one of supervision, monitoring and maintaining discipline

• It is important to ensure that the portfolio is reviewed on a regular basis, to ensure it remains suitable and provides the investment return needed for your financial plan

Investment platform

Use of an investment platform

• The Financial Planning Group use a WRAP platform to manage your Investment Portfolio

• The WRAP is a web-based facility that allows us to construct cost-efficient and consolidated investment portfolios

• The financial products you may have bought in the past - Pensions, ISA’s, Unit Trusts, Bonds - are taxed in different ways. To allow a cohesive investment strategy which is aligned to your plan these ‘Tax Wrappers’ can now be managed in one place

• Your online access provides a clear view of your whole investment position. No longer are you required to think in terms of individual products or plans. Keeping track of your entire portfolio becomes a simple task, with instant portfolio valuations

• Vastly reduced paperwork and increased efficiency mean that we can focus on ensuring the correct investment strategy is in place to achieve your objectives

Investment platform

Investment platform: Online access

Login securely to your personal account to view realtime valuations of your funds

Online access to the value of your investment portfolio.

Online accessInvestment platform: Online access

Online access to the value of your investment portfolio.Online access to the value of your Online access to the value of your Online access to the value of your Online access to the value of your

Investment platform

Investment platform: online access

• Dimensional Fund Advisers – investment solutions

• Standard Life – platform and service provider

• Voyant – cash fl ow modeling software

• Oxford Risk – risk profi ling

www.dfaeurope.com www.standardlife.com www.planwithvoyant.co.uk www.oxfordrisk.com

Strategic Partners

Strategic partners

• The Financial Planning Group are Authorised and Regulated by the Financial Services Authority (no.161655) www.fsa.gov.uk/register/firmRefSearch.do

• Treating Customers Fairly www.fsa.gov.uk/smallfirms/tcf/

• Data Protection Act 1998 www.ico.gov.uk/for_organisations/data_protection/the_guide.aspx

• Assessing Suitability Rule https://fsahandbook.info/FSA/html/handbook/COBS/9/2

• The Financial Planning Process – International Standards Organisation 22222 www.iso.org

Regulatory

Regulatory

The Financial Planning Group1 Cambridge Road, Teddington, Middlesex, TW11 8DT

Tel 020 8977 7090 | enquiries@fpgonline.co.uk | www.fpgonline.co.uk