Martin Wilcocks Brochure (1) (2) · wilcocks & wilcocks martin wilcockswilcocks & wilcocks page 2...

M A R T I N W I L C O C K S

A W A R D W I N N I N G F I N A N C I A L A D V I S O R

WILCOCKS & WILCOCKS WILCOCKS & WILCOCKSMARTIN WILCOCKS MARTIN WILCOCKS

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M A R T I N W I L C O C K S . C O . U K

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AWARD WINNING FINANCIAL ADVISER, FEATURED IN THE TIMES, THE TELEGRAPH AND THE MAIL

ON SUNDAY AND ONE OF THE TOP 1% WEALTH MANAGERS OPERATING IN THE UK TODAY.

“I started Wilcocks & Wilcocks in 2006 having earlier spent a total of 17 years at Barclays and St James’s Place. I will never IRUJHW�KDQGLQJ�LQ�P\�VLJQHG�UHVLJQDWLRQ�OHWWHU�WR�%DUFOD\V�RQ�D�ZHW��0RQGD\�PRUQLQJ�LQ�)HEUXDU\��DW�WKH�0RRUÀ�HOGV�RIÀ�FH�LQ�Liverpool. I was a Senior Premier Manager looking after the bank’s private clients thinking, ‘what am I doing giving all of this up, my salary, bonus, expenses and a 1964 Final Salary 5% PA index linked pension!’. However, it was the right decision. The bank KDG�EHFRPH�OHVV�LQWHUHVWHG�LQ�WKH�FXVWRPHU�DQG�PRUH�LQWHUHVWHG�LQ�H[WUDFWLQJ�VDOHV�DQG�SURÀ�W��,�WKRXJKW�6W�-DPHV·V�3ODFH�ZRXOG�be different, but it was the same there too with a huge sum spent on managers, local directors, an area director, a board of di-UHFWRUV��DQQXDO�FRQIHUHQFHV�DQG�GLDPRQG�FXIÁ�LQNV��$QG�ZKR�SD\V�IRU�LW�DOO"�7KH�FXVWRPHU��,�OHIW�DQG�VHW�XS�P\�SULYDWH�RIILFH�WR�initially deliver mortgage and later financial and investment advice like it was in the 80’s and early 90’s; customer focussed, value-based advice that made a positive difference. From humble beginnings, with little capital, no equity, and having grown RXW�RI�WKH�ZRUVW�JOREDO�À�QDQFLDO�FULVLV�VLQFH�WKH��·V��,�DP�QRZ�KHDG�RI�P\�VPDOO�IDPLO\�ERXWLTXH�À�UP�FXUUHQWO\�ORRNLQJ�DIWHU��families and every one of them is considered an extension of our own family and I am hugely proud of what we do and the value we add in our clients’ lives.”

M A R T I N W I L C O C K S S T O R Y W H A T Y O U N E E D T O T H I N K A B O U T

AROUND 2000 PEOPLE PER DAY ARE RETIRING IN THE UK AND TYPICALLY DO SO WITH EITHER NO PLAN, A BAD PLAN, OR THE WRONG PLAN.

H O W I C A N H E L P

N O P L A N

No plan is having no number – the amount of money to get through retirement with a desired lifestyle and never run out.

B A D P L A N

A bad plan is having an excess as small as just 1% per year in overall investment costs that on an average £250K pension can see nearly half a million pounds leave an estate over a 3 decade retirement.

W R O N G P L A N

The wrong plan is where people retiring are relying on fixed income investments to get through a rising cost world.

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These scenarios play out and strip people of a happy retirement. A retirement that could have been spent leaving a legacy – not just in financial terms – rather, they are stripped of the ability to leave their footprint on the world, or make an impact on other peoples’ lives - friends, family or causes close to the heart.

Not always, but typically, the retiring folk in the UK will make one, two or sometimes all three, of the biggest money mistakes of their lives; mistakes that will see them

run out of money in retirement, potentially resulting in them becoming dependent on their children and/or the government, and this is likely to happen unless they take advice designed to steer them away from the three big mistakes.

The tragedy of the mistake(s) this generation of people, about to enter what now looks like being a three-decade retirement, will make, without our help, is too terrible to contemplate.

“We help clients, who are about to retire, identify the cost of their ideal dream retirement lifestyle, to go on and achieve it, and maintain it into the future without the fear of ever running out of money. Our clients secure a lifestyle without compromise, without any concerns about outliving their income, and with meaningful intervention in the financial lives of their children, and institutions or charities they believe in.

Every good plan needs a sound strategy behind it, one that is proven to work and backed by hard evidence. This is what you can expect with my 7 step CLEARER wealth management process.

My complete wealth management program is available to all clients at any time. It is a proven route to becoming financially bulletproof.

I am aware it can look a little daunting at first glance. Not always, but typically, a new client will onboard with an investment, pension or estate planning need, and later on, in the course of time, the complete package of services tends to open up – and I can honestly say it happens without any effort, and at the same time as the client-adviser relationship is growing between us.”

I WILL NEVER FORGET HANDING IN MY SIGNED RESIGNATION LETTER TO BARCLAYS ON A WET,

MONDAY MORNING IN FEBRUARY 2003 THINKING WHAT ON EARTH AM I DOING.


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T H E C L E A R E R W E A L T H M A N A G E M E N T P R O C E S S

C - C L A R I T Y

Plan ahead, identify what your ideal lifestyle looks like, overcome any obstacles holding you back and put yourself on the road to achieving your life goals and purpose.

L - L I F E S T Y L E

Identify the cost of your ideal lifestyle and FUHDWH� D� ÀQDQFLDO� SODQ� WR� ERWK� DFKLHYH�it and then maintain it throughout your lifetime and never run out of money - whatever happens.

E - E - V E S T

Evidence based investments, under-pinned by over seven decades of no-bel prize winning academic research to GULYH� \RXU� ÀQDQFLDO� SODQ� IRUZDUGV� DQG�deliver that dream lifestyle.

A - A L L O W A N C E S

All available personal and business annual tax allowances are explored, reviewed and utilised wherever possible to maximise the value within your plan.

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R - R I S K

Our risk assessment will identify potential catastrophe scenarios in your personal and business life as a result of a premature death or serious illness, with a protective foundation and solution presented to balance the risks.

E - E S T A T E

The penultimate piece of planning is a succession plan that ensures your estate SDVVHV� WR� FKLOGUHQ� RU� RWKHU� EHQHÀFLDULHV�VDIHO\�DQG�WD[�HIÀFLHQWO\�

R - R E V I E W

Quarterly reviews (March, June, September and December).

Remain focussed on your plan, stay on track with your goals and avoid emotional mistakes related to wealth.

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Quarterly reviews (March / June, September / December).

Remain focused on your plan, stay on track with your goals,

and avoid emotional mistakes related to wealth.

You will be clear on the way ahead with purpose

and energy.

<RX�ZLOO�EH�ÀQDQFLDOO\�organized, with clear

prioritised goals.

You will protect your hard earnt wealth and

ultimately pass this on to FKLOGUHQ�DQG�EHQHÀFLDULHV�VDIHO\��DQG�WD[�HIÀFLHQWO\�

You will have peace of mind on investing, with a portfolio linked

to your goals.

You will have a backstop linked to the number driving your plan, that strips out all

risks within your personal and business life.

You will enhance the monetary value of youur

plan and portfolio.

R E V I E W C L A R I T Y

L I F E S T Y L E

E - V E S TR I S K

ALLOWANCES

E S T A T E

MARCHFocused on risk and estate elements to ensure the

plan remains stable in catastrophe scenarios.

JUNEHalf-year point cross-checks, aob, plus review

shareholder agreements and the businesscontinuity plan.

SEPTEMBERFocused on clarity and lifestyle inc income and

expenditure to make sure we go through the following year on the right track.

DECEMBERFocused on e-vest and allowances - such that we

cross-check the portfolio and have circa 12 weeks to mop up any unused reliefs before

the tax year changes on 5th April.


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T E S T I M O N I A L S

CHRIS MOSS

MANAGING DIRECTOR, INTASHELL LTD

MARTIN TIDIED UP AND CONSOLIDATED 5 OLD PENSIONS

AND I NOW UNDERSTAND WHERE THEY INVEST, WHAT I

PAY IN CHARGES AND HOW MUCH THEY WILL PROVIDE

IN RETIREMENT. I CAN’T RECOMMEND HIM HIGHLY

ENOUGH.

STEVE DUNN

MANAGING DIRECTOR, BESPOKE FURNITURE CHESHIRE LTD

WE INSURED OUR SHAREHOLDINGS, AND THROUGH A

TRUST IT ALLOWS THE FOUR OF US TO BUY BACK EACH

OTHER’S SHARES ON DEATH, OR ILLNESS, WHICH IS VERY

IMPORTANT FOR THE COMPANY TO KEEP CONTROL, BUT

ALSO FOR OUR FAMILIES, WHO RECEIVE THE VALUE OF

EACH SHAREHOLDING AS A LUMP SUM.

JON MCHALE

DIRECTOR, TAG SCAFFOLDING LTD

WE WERE IN LIMBO WITH NO FINANCIAL PLAN AND

THEN WE MET MARTIN AND EVERYTHING CHANGED.

WE HAVE OUR PENSIONS SORTED, WILLS IN PLACE AND

EVERYTHING IS IN PLACE THAT WE NEED TO SECURE OUR

FUTURE.

COLLIN DORAN

MANAGING PARTNER, SOLUTIONS IN SERVICE LTD

WE KNOW EXACTLY HOW MUCH MONEY WE NEED TO

BUILD WITHIN OUR FINANCIAL AND RETIREMENT PLAN TO

ACHIEVE OUR FUTURE INCOME GOALS.

ADAM MULLIN

MANAGING DIRECTOR, SIS LTD

MARTIN PROVIDED VERY GOOD ADVICE ON HOW TO

FUND OUR PENSIONS THROUGH THE COMPANY TO SAVE

CORPORATION TAX.

JEFF ARNOLD

DIRECTOR, TAG SCAFFOLDING

MARTIN CONSOLIDATED A BATCH OF OLD PENSIONS

THAT I HAD BUILT UP OVER THE YEARS. ALONGSIDE THAT,

IF I WAS TO BE SERIOUSLY ILL THE BUSINESS PROFIT WOULD

DROP SO WE ARRANGED KEY MAN INSURANCE FOR 2

YEARS PROFIT IF THE WORST HAPPENS. WORKING WITH

MARTIN HAS BEEN A GREAT MOVE FOR US.

JAMES QUILTY

MANAGING DIRECTOR, KELSALL SERVICES LTD & DJ JAYQ

MARTIN IS ALWAYS THINKING AHEAD AND HE HAS

ALWAYS ENCOURAGED ME TO THINK BIG. HE HAS SORTED

OUT PROTECTION FOR THE FAMILY, ARRANGED OUR

PENSIONS AND ENCOURAGED US TO PUT MONEY ASIDE

FOR OUR FUTURE.

ANDY COCKRAM

PROUD OWNER, THE WHITE LION

MARTIN ARRANGED THE FINANCE I NEEDED TO BUY THE

WHITE LION PUB - THE LAST FREE HOUSE ON THE WIRRAL.

IT HAD ALWAYS BEEN IN MY PLAN BUT DUE TO BANKS NOT

FUNDING PUBS I WAS STUCK AND MARTIN SORTED IT.

B U S I N E S S O W N E R S

WITHIN MY SUCCESS STORIES, YOU WILL NOTE A HEAVY PRESENCE OF BUSINESS OWNERS LIKE MYSELF AND SENIOR EXECUTIVES ALL MORE OR LESS OF A SIMILAR AGE AT THE LATTER STAGES OF THEIR

RETIREMENT PLANNING, OR TRANSITIONING INTO RETIREMENT. I’M A FIRM BELIEVER THAT ONE OF THE REASONS WE ATTRACT THIS GROUP OF PEOPLE IS BECAUSE OUR INTERESTS, EXPERIENCES, SUCCESSES

AND FAILURES ARE ALL QUITE OFTEN SIMILAR, OR AT LEAST COMPARABLE IN ONE WAY OR ANOTHER - WE UNDERSTAND EACH OTHER, SHARING SIMILAR OUTLOOKS ON LIFE, BUSINESS AND CHALLENGES.


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HUGH MCAULEY

COMPANY DIRECTOR AND RETIRED PROFESSIONAL

FOOTBALLER

MARTIN HELPED ME OUT OF A VERY DIFFICULT SITUATION

AND I’LL BE FOREVER GRATEFUL TO HIM.

STEPHEN LINDEN & CATHY HOOD

LIVERPOOL

MARTIN IS DIRECT AND GIVES YOU THE FACTS AS HE SEES

THEM. HE DIDN’T TRY TO SWAY ME TO PICK SOMETHING

WITH WHICH I WOULD HAVE BEEN UNCOMFORTABLE.

DAVE & ANN MCCANN

LIVERPOOL

I TOOK EARLY RETIREMENT AND WANTED TWO PENSIONS

AND AN ISA AMALGAMATED IN A WAY THAT WOULD

FUND MY RETIREMENT. WITH MARTIN ON BOARD,

WE DON’T SEE ANY PROBLEMS ACHIEVING WHAT WE ARE

AIMING FOR.

DAVE & LYNN MORRIS

LIVERPOOL

HE PROVIDED PEACE OF MIND AROUND RETIREMENT AND

OUR FUTURE INCOME AND EVERYTHING WAS EXPLAINED

IN A CONSTRUCTIVE MANNER, WHICH INCLUDED ANY

POSSIBLE DOWNTURNS. THANK YOU FOR THE ADVICE ITS

GREAT TO BE ON BOARD.

FRANK BRENNAN

DIRECTOR, SAFETY LANE LTD

MARTIN WAS MY BANK MANAGER AT BARCLAYS IN 2002.

HE MANAGES MY PENSIONS AND MY FAMILIES PENSIONS.

HE IS A VERY GOOD, STRAIGHT-TALKING FINANCIAL

ADVISER WHO HAS NEVER LET ME DOWN.

ROY KENNY

MANAGING DIRECTOR, VVHC LTD

MARTIN IS THE CONSUMMATE PROFESSIONAL WHO HAS

ALWAYS DELIVERED FOR MYSELF AND MY BUSINESS

PARTNER JOE DWEK CBE.

ROSS BAIGENT

FOUNDER & DIRECTOR, CATACLEAN GLOBAL LTD

MARTIN IS A BREATH OF FRESH AIR, EXPLAINS THINGS

PROPERLY AND HIS ADVICE HAS BEEN FIRST CLASS.

DAVID & ROSEMARY OWEN

OXTON

IN HANDLING OUR RETIREMENT PLANS, MARTIN

EXPLAINED HOW THE WORLD OF MONEY WORKS

AND PROVIDED A HITHERTO UNKNOWN LEVEL OF

TRANSPARENCY.

ANDY & ANGELA PERRY

LIVERPOOL

SINCE THE DAY WE HAD OUR FIRST MEETING WITH MARTIN

HE HAS DEMONSTRATED A PERSONAL AND PROACTIVE

APPROACH. HOPEFULLY, WE ARE AT THE BEGINNING

OF A VERY LONG AND SUCCESSFUL RELATIONSHIP WITH

MARTIN AND THE TEAM.

B U S I N E S S O W N E R S P R I V A T E C L I E N T S

BALAZS & KATE HORVATH

OWNERS & DIRECTORS,

ASSOCIATED PRIVATE MEDICAL & DENTAL CLINICS LTD

MARTIN HANDLES OUR INVESTMENTS AND PENSIONS. WE

ARE VERY HAPPY AND VALUE MARTIN’S ADVICE WHICH

HAS ALSO MORE RECENTLY INVOLVED MAKING A WILL, A

BUSINESS TRUST AND APPOINTING POWERS OF ATTORNEY.

ROY JOHNSON

PROFESSIONAL GOLFER, WIRRAL

HE KNOWS HIS STUFF AND IS A REALLY GREAT GUY TO

WORK WITH.

ROSEMARY COLCHESTER

NORTHWICH, CHESHIRE

HE INVESTED FOR ME AND I’M VERY SATISFIED WITH HIS

ADVICE AND MANAGEMENT OF MY PORTFOLIO. I AM

VERY IMPRESSED WITH MARTIN AND HIS DEDICATION

TO HIS JOB. WELL DONE. KEEP UP THE GOOD WORK.


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HELEN LACEY

STOURBRIDGE

MARTIN HAS SPENT TIME WITH THE CHILDREN SO THEY

UNDERSTAND OUR RETIREMENT FINANCIAL PLAN. HE HAS

BEEN A BIG HELP TO OUR FAMILY IN GENERAL.

NIGEL LACEY

STOURBRIDGE

HELEN AND I WOULD LIKE TO THANK MARTIN FOR THE

ADVICE AROUND OUR RETIREMENT AND FINANCIAL

PLANS AND AS FAR AS HIS INVESTMENT SOLUTION IS

CONCERNED IT WAS A NO-BRAINER.

STEPHEN LACEY

LOUGHBOROUGH

MARTIN GAVE ME SOUND AND SIMPLE INVESTMENT

ADVICE THAT MADE SENSE AND WITHIN MY FINANCIAL

PLAN WE HAVE ALSO WORKED OUT WHEN I CAN RETIRE

AND BUY MY SAILING BOAT.

PHIL O’NEILL

WIRRAL

HIS ADVICE HAS BEEN EXCELLENT AND HE IS ALWAYS

THERE FOR US IF WE EVER NEED HIM.

DR RICHARD AZURDIA

WIRRAL

I FOUND MARTIN TO BE COMPETENT AND PROFESSIONAL.

P R I V A T E C L I E N T S

DAMEON HULSE

SANDBACH

MARTIN GAVE ME A VERY CLEAR UNDERSTANDING OF

HOW HE WOULD TRANSFER MY PENSION AND HOW IT

WOULD BE INVESTED.

MARY ELSON

HIGHER PENLEY

I FELT CONFIDENT THAT MY FINANCES WERE IN GOOD

HANDS AND THAT MARTIN AND ROB WOULD HELP WITH

ANY WORRIES I MIGHT HAVE, WHICH INDEED THEY HAVE.

DR NAVAID ALAM

WIRRAL

MARTIN MANAGES MY PENSION AND RETIREMENT PLAN

AND I AM VERY HAPPY WITH THE GOOD WORK HE IS

DOING.

I TAKE OUR CLIENTS ON A JOURNEY THAT INVESTS THEIR MONEY USING OVER SIX DECADES OF NOBEL PRIZE-WINNING ACADEMIC RESEARCH,

I REDUCE THEIR TAX LIABILITIES USING STANDARD ANNUAL ALLOWANCES, I STRIP OUT ANY FINANCIAL RISK IN THEIR PERSONAL OR BUSINESS

LIFE AND ULTIMATELY DELIVER THE WEALTH THAT THEY HAVE CREATED TO THEIR CHILDREN

OR OTHER BENEFICIARIES, SAFELY AND TAX EFFICIENTLY.


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P R O F E S S I O N A L S

DAVID TOURNAFOND

BERMANS SOLICITORS, LIVERPOOL

I TOOK INVESTMENT AND PENSION ADVICE FROM

MARTIN. BY WORKING OUT MY RISK TOLERANCES AND

SETTING UP MY INVESTMENTS HE DELIVERED A SOUND

PORTFOLIO THAT I AM CONFIDENT WITH.

JON TAYLOR

BRABNERS SOLICITORS, LIVERPOOL

WE COULDN’T THANK MARTIN ENOUGH FOR HIS TIME

AND THE FACT THAT HE TOOK PERSONAL OWNERSHIP

AND PRIDE IN MAKING SURE WE WERE HAPPY WITH THE

PENSION AND INVESTMENT STRATEGY.

MICHAEL COLLINS

DIRECTOR, NAAP ACCOUNTANTS LTD

MARTIN IS A COMPETENT FINANCIAL ADVISER WHO

STANDS OUT FROM THE CROWD.

ANDREW THOMPSON FCA

CHARTERED ACCOUNTANT, KENILWORTH ASSOCIATES

MARTIN IS EXCEPTIONALLY ACCURATE IN EVERYTHING

THAT HE SAYS AND DOES, I CANNOT FIND FAULT WITH HIS

ADVICE AND I TRUST HIM ABSOLUTELY IN HIS JUDGEMENT.

PAUL WHITE

MANAGING DIRECTOR, APH ACCOUNTANTS LTD

I WAS LOOKING TO WORK WITH A TRUSTWORTHY AND

KNOWLEDGEABLE FINANCIAL ADVISOR, CAPABLE OF

DEALING WITH OUR CLIENTS. MARTIN TICKS THE BOXES

ON BOTH COUNTS, COUPLED WITH A HIGH DEGREE OF

PROFESSIONALISM AND INTEGRITY.

MARK FOSTER

MANAGING PARTNER, FOSTERS LAWYERS

PRIOR TO MEETING MARTIN WILCOCKS, I HAD VERY

LITTLE FAITH IN FINANCIAL ADVISERS DUE TO PREVIOUS

EXPERIENCES. MARTIN IS HONEST AND TRANSPARENT AND

HE HAS RESTORED MY FAITH IN FINANCIAL ADVISERS.

BEN EDWARDS

SENIOR TAX MANAGER, AFFORD BOND ACCOUNTANTS LTD

EVERY CLIENT WE HAVE PASSED TO MARTIN HAS BEEN

VERY HAPPY. IT’S NOT EASY TO FIND A GOOD FINANCIAL

ADVISER AND I THINK MARTIN HAS PROVED TIME AND

AGAIN HE IS ONE OF THE GOOD GUYS.

MARTYN BEST

CHIEF EXECUTIVE DOCUMENT DIRECT LTD

MARTIN WILCOCKS AND HIS TEAM ASSISTED WITH AN

INVESTMENT THAT HAS WORKED OUT VERY WELL FOR US.

OVER THE YEARS I HAVE HELPED COUNTLESS HARD-WORKING PEOPLE AND THEIR FAMILIES TO ACHIEVE FINANCIAL SECURITY,

THEIR LIFE GOALS AND DREAM RETIREMENT PLANS. MY CLIENTS TRUST THE HONEST, STRAIGHTFORWARD AND RELIABLE WEALTH MANAGEMENT

ADVICE I GIVE THEM, IN ORDER TO HELP THEM MAKE KEY FINANCIAL DECISIONS AT TRANSITIONAL STAGES OF THEIR LIVES.


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I SIGNED UP AS A CORPORATE SPONSOR OF SAVE THE CHILDREN AFTER SEEING THE HEARTBREAKING ‘TOMORROW’ ADVERT A FEW YEARS BACK. MY CHILDREN ARE LUCKY. ALL

CHILDREN DESERVE TO BE SAFE AND TO BE GIVEN A START IN LIFE. THEY CAN BE ANYTHING THEY WANT TO BE AS LONG AS THEY HAVE AN OPPORTUNITY, AND NATURALLY, FOCUS

AND COMMITMENT. SAVE THE CHILDREN WORK TIRELESSLY ALL OVER THE WORLD TO KEEP CHILDREN SAFE AND PROVIDE THOSE OPPORTUNITIES AND I COULDN’T BE HAPPIER TO

CONTRIBUTE. I AM ALSO PROUD TO BE DOING THE MACHU PICCHU IN MARCH 2021 TO RAISE MONEY THAT CAN MAKE A DIFFERENCE.

WE ARE DELIGHTED TO BE PARTNERING WITH WILCOCKS & WILCOCKS. SAVE THE CHILDREN’S WORK IS ONLY POSSIBLE THANKS TO THE SUPPORT OF PARTNERS SUCH AS WILCOCKS

& WILCOCKS AND THEIR AMAZING COMMITMENT TO MAKE THE WORLD A BETTER PLACE FOR CHILDREN. TOGETHER WE CAN DO SO MUCH MORE THAN ACTING ALONE.

WITH WILCOCKS & WILCOCKS’ SUPPORT WE’RE DETERMINED TO HELP EVERY CHILD BECOME WHO THEY WANT TO BE.

CLIVE SANDERS

DIRECTOR OF COMMUNITY & REGIONAL CORPORATE PARTNERSHIPS

Tahnee & Martin signing Wilcocks & Wilcocks up to become corporate sponsors of Save the Children with the Director, Clive Sanders, on 22 November 2019

From left to right: Ruby, Molly, Cecilia & Oscar Wilcocks

From left to right: Tahnee, Ruby, Oscar, Cecilia & Martin Wilcocks at Save the Children

S A V E T H E C H I L D R E N


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M A R T I N

ʄ I am an investment adviser, not an investment forecaster, trader or speculator. I don’t believe anybody on the planet can predict the highs and lows of equity markets, or outperform the markets repeatedly, on a continuous basis.

ʄ Equity markets should be favoured over fixed income markets - even during retirement years contrary to what a risk test may say.

ʄ Developed and emerging world equity markets should be deployed in their entirety and trusted to deliver annualised returns far higher than those from cash or fixed income.

ʄ Small-cap equity and value-cap equity exposure, alongside main market large-cap equity exposure, is in my opinion essential to give uplifted returns over time.

ʄ Investments into companies that focus on global sustainability and with an environmental focus should be utilised whereever possible such that portfolios are future proof and exposed to investments and companies that make a difference to the world.

ʄ That collective exposure to all groups and classes of equities, throughout both the developed and emerging world, offers asset, sector and geographic diversification to capture returns from all markets that ebb and flow over time.

ʄ All of the evidence I have found points towards our strategy winning over pure actively managed alternatives that fail in over 80% of cases * (most recently by The University of London, Cass Business School).

ʄ Keep overall fund, adviser, platform, product and wrapper costs at a maximum of circa 1.5% per annum such that the drag on investment growth is relatively low.

ʄ Not selling out and keeping calm when the markets tank every 7 years or so, whilst everyone else’s behaviour is, or certainly shows form, for being erratic.

ʄ And in fact, doubling up on any regular contributions when the markets do tank as much as possible - for further buy-in whilst ‘prices’ are low.

ʄ We focus on safe income withdrawal to support retirement income needs, as the years unfold, whilst managing inflation and we keep fees low and In my opinion, that’s pretty much all it takes to make, and then keep people wealthy.

ʄ With the investment piece sorted, I am then free to focus on financial planning for my clients and can look at bigger issues - like preserving capital throughout potentially three decades of retirement, delivering sufficient income against rising living costs, whilst also putting plans in place to make sure any surplus capital eventually passes to children or other beneficiaries like charities or good causes close to one’s heart, safely and tax efficiently.

M O D E L


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M A R T I N

DON’T LIKE

ʄ Discretionary investment management - that serves to make everything appear supremely complicated, difficult and unmanageable save for by experts.

ʄ Big banks – having moved from a culture of adding value in the 1980’s ... to sales, scandals and extracting everything they can from us in more recent decades.

ʄ Big networks – the glossy networks, investment banks and fund managers all have layers of cost ... picked up by the client.

ʄ Fund pickers – because they get beat up, if not regularly, almost certainly eventually and when it happens the clients don’t get through their 30 year retirement.

ʄ Star funds, funds with stars, funds with crowns – by the time they hit the headlines they are already on their way back out. Avoid!

ʄ Superhero fund managers – because after all the excess cost, 8 out of 10 don’t even keep up with a basic index they are benchmarked against e.g. the FTSE100.

ʄ Lunches, events and conferences courtesy of the above stated banks, networks, and fund managers – it’s the clients who pay for it all again depleting their funds.

ʄ Hot tips – because the bulls will have already bought the funds or stock and by the time you come to follow suit the bears will have started selling.

L I K E

ʄ Relationships with like minded clients who are family focused, always positive and looking for the good in other people and who live life to the full.

ʄ People who follow their dreams, even when the going gets rough and tough, and who continue to work hard and put the effort in to ultimately make their mark.

ʄ That after 15 years of our - and I have to say it - our fantastic support and service to the 122 families we look after, we have been trusted as custodian with over £40 Million in funds and assets.

ʄ My ideal dinner guests would be Jeremy Clarkson, Phil Collins, Ben Elton, Joe Pesci, Martin Scorsese, Warren Buffet.

ʄ I have met far cleverer and technically gifted financial advisers than myself, but none of them have ever cared more deeply about their clients and their families financial futures than I do about mine.

ʄ� ,� OHIW� D� JUHDW� FRPSDQ\�ZLWK� JUHDW� EHQHÀ�WV� WR� VWDUW�P\�own business just EHIRUH� WKH� JOREDO� À�QDQFLDO� FUDVK� LQ� �� DQG� JRW� EXUQW� RXW� DQG� OHIW� IRU�dead. I spent the next 5 years worrying about it day and night, grafting and coming back and now couldn’t care less about anyone’s opinion on it.

M E

ʄ I have OCD.

ʄ I’m finished after 3 large G&T’s.

ʄ I’m always happy but never satisfied.

ʄ I always laugh out loud at my own jokes.

ʄ I am transparent, honest and open minded.

ʄ I take over the music at every party I attend.

ʄ My confidence can be mistaken for arrogance.

ʄ I can eat hot chillies all week long and twice on Sundays.

ʄ I can pan fry any cut of steak better than anyone else I know.

ʄ My knowledge of red wine is limited to ordering bottles above 14% ABV.


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LiverpoolCaldy

Wallasey

Moreton

Blackpool

London

Dalston

Richmond

Bexeley Heath

Twickenham

Worthing

Loughborough

Milton Keynes

Stourbridge

Hereford

ChesterDeesidePrenton

Heswall

BirkenheadGreasby

Claughton

OxfordWatlington

Bath

Cotswolds

BebingtonHuyton

BromboroughRuncorn

Saighton Willaston

Ellesmere Port

St Albans

Rickmansworth

WrexhamSandbach

Manchester

EcclesPrescotCroston

Wigan

Dukinfield

S U M M A R Y

WE PRIDE OURSELVES ON THE STRONG RELATIONSHIPS WE BUILD WITH OUR CLIENTS, AND ARE PLEASED TO

BE CONSIDERED THE FINANCIAL ADVISERS OF CHOICE FOR INDIVIDUALS, FAMILIES, ENTREPRENEURS AND

BUSINESS OWNERS IN LONDON, LIVERPOOL AND THROUGHOUT THE UK AS DETAILED IN THE MAP BELOW.

Y E A R F O U N D E D

2006

N U M B E R O F C L I E N T F A M I L I E S I N 2 0 2 0

122

A S S E T S A N D F U N D S U N D E R A D V I C E

£44M

PROFESSIONAL QUALIFICATIONS

REGISTERED LIFE PLANNER - ADVANCED LEVEL

CERTIF ICATE IN ESTATE PLANNING

DIPLOMA FOR FINANCIAL ADVISERS

PROFESSIONAL INVESTMENT CERTIF ICATE

CERTIF ICATE IN MORTGAGE ADVICE & PRACTISE (CEMAP BRIDGE)

CERTIF ICATE FOR FINANCIAL ADVISORS (CEFA 1 - 3)

BACHELOR OF TECHNOLOGY (BTECH)

V E R I F I E D P U B L I S H E D S T O R I E S

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C O R P O R A T E S P O N S O R S A V E T H E C H I L D R E N

A W A R D S

S U N D A Y T I M E S V O U C H E D F O R T O P 2 5 0 F I N A N C I A L A D V I S E R S

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T O P N E W F I N A N C I A L A D V I S O R 2 0 0 0 ( B A R C L A Y S L I F E )

P A R T N E R S O F B I G I


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B U L L E T P R O O F R E T I R E M E N T

I run regular, free ‘Bullet Proof Retirement’ webinars that explore the 7 key and FUXFLDO�ÀQDQFLDO�DQG�LQYHVWPHQW�SODQQLQJ�HOHPHQWV�WKDW�JR�KDQG�LQ�KDQG�ZLWK�\RXU�‘number’:

ʄ Your ‘Number’ is the amount of money you will need to get you through what could be a 30-year retirement. Quite often, many people approaching or transitioning into retirement don’t know their number and if that’s the case, they have NO PLAN.

ʄ Even for those with their number worked out, the enemy, ‘inflation’, can often be missed. What costs £1 at the start of a 30-year retirement will in all likelihood cost £2.50 in the 30th year - if we look back at inflation over the last 3 decades. If inflation has been omitted the plan can fall apart.

ʄ If you’re spending too much on your adviser, or the funds you invest in, or the product wrappers, you may not achieve your number and miss out on your dream retirement lifestyle having run with a BAD PLAN.

ʄ Or if you’re invested too heavily into the most commonly used type of investment as people approach and pass into retirement (‘I’ll share this with you on the webinar) you’ll probably fall short here too having been set up with the WRONG PLAN.

Please register your interest for the webinar by emailing [email protected] and in the email body type WEB97 and click send to register.

We will then forward the next event dates with an automatic registration link.

You can follow me on twitter and put yourself on the front line for a signed copy of my new book, ‘Bullet Proof Retirement’, that is out this summer via Amazon.

ʄ You’ll learn how to calculate the number you need, to live the life you want and maintain it into the future and never run out of money.

ʄ And how to hit it by selecting the right types of investments and avoiding all of the common pitfalls.

ʄ You will learn how to accelerate the growth of your investment and retirement plans through the inclusion of evidence-based investments that have been proven to work over the last 7 decades and are supported by Nobel Prize winning research.

ʄ With a succession plan to provide a safe passage to send the wealth onwards.

ʄ Click the TWITTER button above, follow Martin and all new followers will be automatically registered

Register for an Exclusive 20-minute video call to steer you away from making the 3 biggest mistakes of your financial life.

ʄ These 3 big mistakes may result in you not achieving your ideal lifestyle, see you run out of money and leave you unable to leave a financial legacy to beneficiaries.

ʄ If you are at the later stages of planning your retirement, or if transitioning into retirement, it is crucial you avoid these 3 mistakes.

ʄ This call is provided at our expense and with no obligation to proceed.

ʄ ,I�\RX�SUHIHU�WR�VSHDN�RQ�D�FRQYHQWLRQDO�FDOO�WKDWV�ÀQH�WRR��-XVW�SURYLGH�\RXU�number when registering.

ʄ Click the PLAY button above to be taken directly to Martins calendar where you can book your call.

W E B I N A R S B O O K R E S E R V E Y O U R C A L L

T W I T T E R


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I WORK FOR YOU – NOT AN INSURANCE COMPANY, NOT A GLOSSY NETWORK, NOT AN INVESTMENT BANK OR FUND MANAGER - ALL OF WHICH MEANS MY CLIENTS ARE MY SOLE CONCERN, TAKE ABSOLUTE

PRIORITY AND RECEIVE FAIRLY PRICED ADVICE AND INVESTMENT SOLUTIONS. THERE ARE NO SALES TEAMS, NO LAYERS OF MANAGEMENT, NO BOARD. IT’S ALL ABOUT YOU AND ME WHICH MEANS MY MISSION IS

TO HELP PROTECT AND GROW YOUR CAPITAL AND WE ARE IN IT TOGETHER. I WILL PROMISE TO INVEST YOUR CAPITAL AS CAREFULLY AS I DO MY OWN, AND THAT OF MY FAMILY, AS I KNOW YOUR HOPES AND DREAMS

ARE AS SACRED TO YOU, AS OURS ARE TO US. I CAN ALSO SAFELY SAY THAT YOU WILL NOT FIND ANOTHER WEALTH MANAGER WHO WILL CARE AS DEEPLY AS I WILL ABOUT HELPING YOU ACHIEVE YOUR GOALS AS

THE RETIREMENT YEARS UNFOLD. TAKING THAT FIRST STEP IN ANYTHING IS ALWAYS A BIG MOVE, BUT IF YOU DO IT, I WILL PERSONALLY GUARANTEE YOU WILL NEVER LOOK BACK.

From left to right, the senior team at Wilcocks & Wilcocks: Mary Wilcocks, Martin Wilcocks, Tahnee Wilcocks & Robert Wilcocks

T: 0345 200 4041 | M: 07939 241014 | E: [email protected]

M Y P L E D G E


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F R E Q U E N T L Y A S K E D Q U E S T I O N S

4� � �: , / / � 0 < � , 1 9 ( 6 70 (1 7 6 � % ( � 7 $ ; ( ' "

Internally all dividends are automatically reinvested into the funds.

Funds then grow until such time they are accessed and any gains may be liable to Capital Gains Tax (CGT) if held in a General Investment Account (GIA).Funds are not taxed if held inside an individual savings account (ISA) - a 20K annual tax allowance available each tax year per person.

An annual CGT allowance currency 12,300 per person can be used each year.

Our ongoing management going forward would include us planning out and utilising this allowance for you - in practice, we sell and then buy the funds again to rebalance and utilise the CGT allowance to keep your funds efficient.

Q 2 : C A N I I N V E S T I F I A M C U R R E N T L Y R E S I D E N T E L S E W H E R E A N D A N O N - U K 7 $ ; 3$ < ( 5 "

For UK Domiciled clients living abroad we may be able to support investment needs in advance of a repatriation back to the UK. This can be explored and agreed on a short 10 minute video conference call.

An offshore Investment Bond could be used and the returns would roll up grossly.

If accessing the Bond whilst still a non-UK resident you could be taxed in your local jurisdiction.

If that is a tax-free environment you may not be liable to any tax.

Depending on where you are resident, we may be able to manage your position in a simple General Investment Account (GIA).

If you are planning to repatriate back to the UK at some stage in the future the ISA would come into play and essentially all of the money would be in your GIA and where possible each year we would shift the annual allowance currently 20K from GIA to ISA.

It is the same investment, the ISA is simply an invisible shield we wrap around the money.

Q 3 : C A N A N I N V E S T M E N T B O N D G I V E M E 5 % 7 $ ; � ) 5 ( ( �: , 7 + ' 5$:$ / 6 "

We can use an investment bond alongside, or instead of, a general investment account if your circumstances suggest one to be appropriate.

They are set up for 20 years and the returns would roll up allowing you to take 5% each year with any tax-deferred for the entire 20 year period.

Essentially you would be taking 100% of your own capital back over the term which is why it’s not technically classed as a ‘return on investment’ and liable to income tax.

This effective 5% net return can be extremely helpful if a higher rate taxpayer.

Q 4 : C A N I H A V E A C C E S S T O M Y M O N E Y I F I , 1 9 ( 6 7 �: , 7 + � <28 "

There are no fees for accessing your money in any of the investments we offer. There are no lock-ins. And no draconian ‘old-style financial services’ penalties. If you encash funds, outside of an ISA wrapper and those funds have gained in value, then capital gains tax (CGT) would be charged on gains above the annual allowance, per year, per person.

4� � � '2 � <28 �0$1$*( �0 < � 7 $ ; � 32 6 , 7 , 21 "

We do not report your business to HMRC, rather we provide annual tax statements directly from our preferred providers which can be passed to your Accountant.

A combination of ISA and CGT allowances, utilised annual-O\��ZLOO�SURYLGH�IRU�D�WD[�HIÀ�FLHQW�RXWFRPH�DQG�ZH�PDQDJH�this as part of our ongoing service.

As we progress we are generally asked to look at the wider estate planning picture as a joint estate valued in excess of 650K, or sole estate at 325K, would ultimately attract IHT at 40%. A residents nil rate band can uplift the joint IHT es-tate allowance from 650K to 1M subject to status and de-pendent on the overall value of your estate.

We do not, and have never, promoted, advised on, or recommended any tax planning or tax avoidance strat-egies.

Q 7 : W H A T P R O T E C T I O N D O I H A V E A F T E R I +$9 ( � , 1 9 ( 6 7 ( ' � 7 + 528*+ � <28 5 � ) , 50 "

We generally use platforms to administer client investments and if in default;

• Cash is subject to a maximum amount of £85000 per claim.

• Investments held in a General Investment Account (GIA), Stocks & Shares ISA and Self Invested Personal Pension (SIPP) are subject to a maximum amount of £85000 per claim. Investments and / or cash held in

a Personal Pension, Executive Pension, Section 32 Buy Out Bond, Qualifying Savings Plans and Onshore Bonds are subject to a maximum amount of 100% per claim with no upper limit.

• Investments and / or cash held in an Offshore Bond are subject to a maximum amount of 90% per claim with no upper limit.

All money is invested however into our range of funds that also offer protection.

In terms of the investment funds that we deploy; we use Vanguard to buy entire global stock markets and then Dimensional to buy small-cap and value cap markets. We can also invest into the entire listed global proper-ty market through Blackrock. As at December 2018 our research showed Vanguard had approximately 5 Trillion under management, Dimensional close to 363 Billion, and Blackrock 7 Trillion.

You have the highest levels of consumer protection, working with our family firm, through our FCA and FSCS licenses and our advice is also backed and underpinned through PI cover underwritten through Lloyds of London. All of this detail can be viewed in our Heads of Terms document.

Q 8 : W H A T W O U L D H A P P E N I F Y O U R % 8 6 , 1 ( 6 6 � ) $ , / 6 "

If we were no longer practising, for whatever reason, you could appoint another adviser to manage the investments that we implemented. You could transfer the funds out to another platform, and adviser, or simply sell the funds down and take the capital back.

Q 6 : W H A T E V I D E N C E A R E Y O U U S I N G T O 6 8 3 325 7 � <28 5 � , 1 9 ( 6 70 (1 7 �02' ( / "

We use evidence from Cass Business School, University of London, along with research from Vanguard & Dimen-sional Fund Advisors.

The annual Investment Association (IA) report is also referred to for information on total funds managed in the UK and the split of what is managed on an active and passive basis. The data typically show that on average circa 80% of actively managed investment funds fail to keep up with the bench-mark index they track, over any period of time.

Passive investment strategies generally provide lower cost access to equity markets that deliver superior results over time.

The data also show small-cap and value-cap companies outperform large-cap growth stocks.

All research from Dimensional Funds Advisors is built on the Nobel Prize winning academic Eugene Fama and his colleagues.

FEEL FREE TO DISCUSS MY COMPLETE CLEARER SERVICE WITH ME DIRECTLY AT ANY TIME, BUT EQUALLY,

YOU ARE FREE TO PICK AND CHOOSE FROM THE RANGE OF SOLUTIONS ON OFFER TO GET STARTED.

REMEMBER TAKING THAT FIRST STEP IN ANYTHING IS ALWAYS A BIG MOVE, BUT IF YOU DO IT, I WILL

PERSONALLY GUARANTEE YOU WILL NEVER LOOK BACK.

FEEL FREE TO DISCUSS MY COMPLETE CLEARER SERVICE WITH ME DIRECTLY AT ANY TIME, BUT EQUALLY,

W I L C O C K S & W I L C O C K S

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