beyond wealth management · 08 beyond wealth management beyond wealth management 09 we believe that...

BEYOND WEALTH MANAGEMENT

At True Potential Wealth Management,we continually search for better value and choice, and are agile enough to respond to opportunities quickly. As a result, our clients are better informed, confident and empoweredto reach their financial goals.

We achieve this by using the latest technology to provide straightforward and transparent financial advice in a simple and convenient way. We make no compromise. We are Beyond Wealth Management.

Beyond Wealth Management 03


WELCOME TO TRUE POTENTIAL WEALTH MANAGEMENT

We are part of the highly-successful True Potential Group and offer wealth management services to private clients, trustees and businesses throughout the UK. We have offices in London and Newcastle upon Tyne.

Key Facts about the Group

Close to 20% of all UK Financial Advisers use True Potential planning tools to manage their

clients’ investments

Provide products and technology to over 1.4 million private clients

The Group had a turnover of £69 million for 2016

The Group had a net profit of £15 million for 2016

World-first impulseSave® top-up technology has seen over £53 million of new money

invested, with a third £10 or less

£4.9 billion held on the True Potential Wealth Platform (as of 28 February 2017)

04 Beyond Wealth Management

AWARD-WINNING

We are proud to have been recognised with a series of major industry awards over the past few years.

Key Awards won by the Group

Regular reviews of your financial situation

Exclusive investmentsolutions, including

True Potential Portfolios

Top up anytime with our world-first impulseSave®

technology

Personal, face-to-face financial advice

Everything starts with you and your personal

financial goals

Tax-efficient, no-fee ISA and Pension products

Track your investments 24/7 online or by tablet

and mobile app

Disciplined four-stage financial advice process

Access to world-class fund managers

WHY TRUE POTENTIAL WEALTH MANAGEMENT?

We offer a unique approach to financial advisory services for clients throughout the UK. As part of the fast-growing and innovative True Potential Group, we know how to deliver value and choice.

Benefits of our Services

06 Beyond Wealth Management Beyond Wealth Management 07

£

£

4

OUR GOAL-BASED APPROACH


We believe that goals are your future and, for us, they are the single-most important step in creating your financial plan.

That’s why we take the time to uncover the realreasons you are investing and produce a realistic plan that meets your needs.

So, whether you are looking to save for retirement, payoff your mortgage or are investing for school fees, wecan provide the map and compass to get you there.

With True Potential Wealth Management, you havea personal client site that allows you to track yourprogress whenever and wherever you decide.

If you find yourself falling behind your goal, or want to reach your goal faster, you can use our unique impulseSave® technology to top up your ISA, TPI Pension or GIA from anywhere in the world.

The Map to Good Financial Planning

1

3

2

Our Recommendation: How we will help you get there

Where you are now

Your Goal: Where you want to be

“The most important thing we can do for you is help you define your goals, then enable you to track your investments against them and top up when needed”


OUR AREAS OF EXPERTISE


Regardless of where you are in life, it is important to receive expert and professional advice on your pension plans and requirements.

Whether you need to set up a retirement strategy or review your existing arrangements, we have exclusive solutions to help you make the most of your retirement opportunities.

Our advanced financial planner, True Potential One® helps you see both your retirement saving and expected spending together, so you can achieve the retirement you deserve.

RETIREMENT PLANNING

A mortgage is one of the biggest financial commitments most of us are likely to make in our lifetime. So, whether you are a first-time buyer or have a property portfolio, having the right mortgage can save you thousands of pounds.

With so many lenders offering a vast array of products, it is essential to seek the right specialist advice.

We can provide you with access to a range of high quality mortgage products offered by lenders across the marketplace, delivering you choice and value.

MORTGAGES & BORROWING

Reliable wealth management advice and creating the right investment strategy are crucial elements in securing your future financial well-being.

If you are looking to invest for income or growth, we can provide quality advice, comprehensive investment solutions and ongoing service to help you achieve your financial goals.

We have access to a range of world-class investment solutions, including the dynamically-managed, multi-asset True Potential Portfolios.

INVESTMENT PLANNING

Protecting your family and yourself from unforeseen circumstances is essential now and in the years to come. We can provide a bespoke protection plan to suit your needs, including life, critical illness and disability solutions.

Our recommendation will also take into account the various forms of tax that can be triggered by inheritance, selling a home or other capital events.

This includes Inheritance Tax and Capital Gains Tax planning, both of which can significantly impact your assets.

Assessing the right protection for you and your assets is essential to any wealth management solution, that’s why we leave no stone unturned in our analysis of your situation.

PROTECTION FOR YOU AND YOUR ASSETS

£


WHAT IS ‘BEYOND WEALTH MANAGEMENT’?

Understanding Your Situation

Before making any recommendations, we seek tofully understand your situation. We do this priorto and during our first meeting with you.

We will gather details on your personal and financialcircumstances, taking into account your existingassets and resources. From there, we’ll discussyour goals and aspirations as well as your attitudeto risk. What we learn will form the foundation forour future analysis and recommendations. By takingthe time to really get to know you and what’simportant to you, we can deliver better outcomes.We think this approach not only makes sense, but is an often-overlooked and important first step.

Analysis and Design of Your Financial Plan

After we have gathered all the necessary detailsfrom you, we’ll turn our attention to analysing thisinformation. We use the latest analytical tools tounderstand the breakdown of your existing assetsand how these are performing against your objectives.

Once we have completed our analysis, we’llrecommend an investment strategy for you,using the most suitable options from those available.We’ll also take into account your tax situation,making sure your assets are placed in the besttax treatments allowed in the UK.

Ongoing Service and Information

As a True Potential Wealth Management client,you are supported and empowered 24/7 through your personal client site, which you can access online or by our mobile apps.

If you want to make any adjustments to your planor if your personal situation changes, you can usethe secure messaging system on your client siteto contact your Wealth Management Partner.

Your Partner will review your financial affairs at leastonce a year, by offering you a choice of face-to-face,phone or webinar meetings. These can be arrangedat a time, location and frequency that best suitsyour needs.

Presentation of Your Financial Plan

We start from the principle that there is no pointin recommending an investment plan that we can’teasily explain or one that you won’t understand.

We always present our recommendations to youin a clear and straightforward way. We also providea written explanation of our recommendations in language that’s designed to be understood.

With your agreement, we will implement therecommendation for you. We store a copy of ourrecommendations, supporting information andany other important documents you provide onyour personal client site, which you can accessonline whenever you like.

Our Four-Stage Advice Process


The Science of Advanced Investing

Managed by True Potential Investments, True Potential Portfolios use Advanced Diversification to dynamically manage your money across a range of investment strategies, asset classes, industries and geographic regions.

Investment Partners

True Potential Investments partner with world-class fund managers, who each have a distinct investment strategy to further diversify the Portfolios. This is the strength of Advanced Diversification.


By building on the tried and tested, multi-asset strategies of leading fund managers and over 120,000 individual holdings, True Potential Portfolios are the next generation of investment solutions.

True Potential Investments also offer two risk-mapped Income Portfolios:

TRUE POTENTIAL PORTFOLIOS

Cautious Income Balanced Income

POTENTIAL RISK

POTE

NTI

AL

RETU

RN

Defensive

Cautious

Balanced

Growth

Cautious +

Balanced +

Growth +

Aggressive

The Range

Agile, Low-Cost Value Investing

Fund of Funds

Momentum with Volatility Control

Active Management with Passive Implementation

Manager of Managers

Direct Equity & Bond Investing

Income Focused

Alternative Dynamic & Income Funds

Simple Diversification

A mixture of equities, cash and bonds.

Multi-Asset Diversification

A full range of asset classes and geographic regions from one

fund manager.

Advanced Diversification

A blend of tried and tested multi-asset investment

strategies that finds opportunities for growth.

Top up your portfolio at the touch of a button

with impulseSave®

Analyse and track your spending habits

View, edit and update your personal details

Track your goals and identify any shortfall in your investments

Review life plans with True Potential One®

Store and share important documents

Securely contact your Wealth Management

Partner

View a valuation of your investment portfolio

Link up your bank accounts and other assets for an

overview of your finances

PERSONAL CLIENT SITES

Exclusive to True Potential clients, our unique client sites keep you in touch with your finances24/7, online and through a range of tablet and smartphone apps.

Accessible anywhere with an internet connection, your bespoke client site enables you to:



impulseSave® is our world-first investment top-up technology that enables you to add as little as £1 into your investments at the touch of a button.

We believe that impulseSave® has the power to help you change your spending and saving habits for the better. By using mobile technology, we’ve put the

power to add to your portfolio in your pocket, and made investing quick, easy and fun.

You can access impulseSave® through your client site, online or through our tablet and smartphone apps for iOS and Android devices.

Another True Potential innovation, True Potential One® is a visual financial planning system, designed to help you reach your goals.

As well as planning the accumulation phase of your goal, where you invest into your portfolio, the system helps you build a detailed spending plan for when you’ve reached your goal.

By planning how you’ll spend your money in the future, and how your expenditure may change over time, you can create an investment goal that’s tied to your expectations. You can access True Potential One® through your client site, where you can edit your plan as life changes.

TECHNOLOGY TO EMPOWER

Your capital is at risk. Investments can fluctuate in value and you may get back less than you invest. Past performance is not a guide to future performance. Tax rules can change at any time.

True Potential Wealth Management LLP is authorised and regulated by the Financial Conduct Authority, FRN 529810. www.fca.org.uk The Financial Conduct Authority does not regulate will writing, business buy-to-let mortgages, tax advice or estate planning.

Registered in England and Wales as a Limited Liability Partnership No. OC356611.

Registered Head Office: Gateway West, Newburn Riverside, Newcastle upon Tyne, NE15 8NX London Office: 42-44 Grosvenor Gardens, Belgravia, London, SW1W 0EB

impulseSave® and True Potential One® are registered trademarks of True Potential Investments LLP. February 2017

www.tpllp.com

If you are ready to experience a Beyond Wealth Management service, get in touch today.

beyond wealth management · 08 beyond wealth management beyond wealth management 09 we believe that...

Documents