Services and benefits for individuals and families

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1 Services benefits for individuals families

2 Enhancing preserving your wealth Our role is to help you manage your finances, from investments tax efficiencies today to planning a comfortable retirement tomorrow. You may have mapped out your life plans your financial ambitions need ongoing help to make them come to fruition, or you may simply need guidance with finding the best individual policy to suit a particular requirement. Either way, we will make sure we fully underst your unique circumstances before searching the whole market to find the best solutions for you. Put simply, we will help you to set achieve your financial lifestyle objectives while giving you the freedom peace of mind to concentrate on yourself your loved ones. Crystal Wealth s financial planning process Discuss your personal needs aspirations Monitor, refine, adapt Implement the agreed strategy 5 4 Identify your objectives develop achievable goals 3 Establish your attitude to risk Develop a plan 1. Discuss your personal needs aspirations Your circumstances are unique to you. So, the first step in your investment planning process is to underst your situation what you d ideally like to achieve. During our initial meeting we will discuss your finances, your income, dependents, importantly, your aspirations for your retirement. We will answer any questions you may have make sure we re the right fit for your needs. We will communicate regularly with you, advising you of changes in the market any new opportunities they present. 2. Identify your objectives develop achievable goals Once you ve had a chance to digest our initial discussions we will meet again to re-evaluate your goals in much greater detail. 4. Develop a plan Once we have agreed your goals attitudes we can start to plan your portfolio. As truly independent advisers we can research the whole market for policies investments which are absolutely right for your circumstances. We will set out our recommendations in an easy-to-digest plan to discuss with you. Of course, nothing is final until you re completely happy. 3. Establish your attitude to risk We need to establish the level of risk you feel comfortable with underst your capacity for loss. Greater risks can mean greater potential rewards but also potentially greater losses. Your attitude to risk, what stage you are at in your life, will have a great bearing on what is appropriate for you. Don t worry we have straightforward, tried tested ways to help you decide the level of risk right for you. 5. Implement the agreed strategy When you re absolutely happy with your investment pension plan we will implement it. But this is just the beginning of your future 6. Monitor, refine, adapt If you d like us to, we can monitor review your portfolio on an ongoing basis to ensure you re getting the best value performance on the market. If you prefer to manage this yourself, that s also fine but we strongly encourage you to take an active interest in your wealth management.

3 Retirement planning Investments, savings loans Financial planning does not begin end with investments savings, but they re a good place to start. We need to incorporate any planned expenditure (such as school fees) make contingency for the unforeseen. Our investment decision process 2 Set investment objectives Develop an asset allocation plan 1 Your Portfolio 4 finish working? We will take into account the stage you are at in your When planning for(your your timescale ), retirement wewhat believe it s financial planning income important startyour with investments, the end in mind: you want you requiretofrom what when, to achieve, calls when. other potential on your money. We will also examine your attitude to risk together with your capacthat s why we review of your strategy, pension/s ity for loss recommend develop an a asset allocation as early as possible. Theredetailing are many, many options showing you a blueprint your goals to when retirement planning. For example, it ourconsider recommendations. may be beneficial to amalgamate any company pensions you have accumulated your career On an ongoing basis, if you wish, through we will monitor the situation enhancing yourprivately, portfolio simplifying its performance, evaluate it in the the outcome. We also need to evaluate your lighteventual of any market changes rebalance it if necsavings, outgoings, commitments choices. essary, taking note of any variations in lifestyle your personal goals. Once your pension plan is in place we need to ensure it s regularly updated, always cost-effective, tax-efficient that it takes advantage of inevitable changes in legislation. Specialist retirement planning options include (but are not limited to): 3 Ongoing portfolio review We will help you establish the right investment vehicles to create a unique portfolio to achieve your short- medium- long-term objectives. It s a dewhat lifestyle do you envisage when you tailed process, with many factors to consider. Evaluate select investment opportunities 1. Set investment objectives Your timeframe Your risk tolerance Income you require Your need for liquidity (access to funds) 2. Develop an asset allocation plan Where best to invest assets multiple strategies Security of investments Underst tax implications 3. Evaluate select investment opportunities Examine current investment options select the most appropriate 4. Ongoing portfolio review Are your investments meeting your objectives? Is the performance of each meeting your expectations? Together we will review optimise your portfolio regularly We will help you establish the right investment vehicles to create a unique portfolio to achieve your shortmedium- long-term objectives. It s a detailed process, with many factors to consider. We will take into account the stage you are at in your financial planning (your timescale ), what income you require from your investments, when, other potential calls on your money. We will also examine your attitude to risk together with your capacity for loss develop an asset allocation strategy, showing you a blueprint detailing your goals our recommendations. On an ongoing basis, if you wish, we will monitor your portfolio its performance, evaluate it in the light of any market changes rebalance it if necessary, taking note of any variations in your personal goals. self-invested personal pensions (SIPP) personal pension plans (PPP) occupational (company) pension plans group pension plans (GPP) stakeholder pension plans We believe in transparent fees charges. We don t start work until you ve agreed the terms, the first consultation is at our expense. Please ask for our separate leaflet which clearly outlines our charges.

4 Protection policies: safeguarding you, your dependents your beneficiaries, today tomorrow Many people s family depend on them also their regular income. Having policies in place to protect you your loved ones against the financial consequences of accident or misfortune can make the difference between whether you they thrive or struggle to survive. Protection policies we can discuss include: Mortgage protection Your mortgage is likely to be the biggest loan you ever have. Your home is probably your biggest asset but it can be at risk if you find yourself unable to keep up repayments. Protection policies can provide life cover (in the event that you unexpectedly pass away) /or critical illness cover (if you are diagnosed with survive one of a predetermined range of life-altering illnesses). There are many different policies available, which we can compare to find exactly the right cover for your circumstances. Income protection Whether you re employed or self-employed, it is likely you rely on your income. What would happen to your lifestyle if your income was unexpectedly cut off, for example through redundancy or long-term illness? Income protection policies generally pay out a tax-free income (usually 50 per cent of your average income) in the event of the unexpected. Different schemes cover you for different circumstances, for example how much sick pay your employment contract offers: talk to us about pre-benefit periods. Family income benefit family protection policies These types of policy can offer you life cover / or critical illness cover. Family income benefit will provide an ongoing income for your family, while a family protection policy will provide a lump sum to invest. Again, there are many different schemes from which to select. Whole of life This insurance is payable in the event of the policy-holder s death. You can use this type of policy in conjunction with inheritance tax planning, to the advantage of your family inheritors. Private medical insurance When you need a diagnosis for an ailment, or medical intervention, being privately insured helps you to avoid potentially long NHS waiting lists. Investing in this kind of policy for yourself or your family can help you avoid time off work, prevent or lessen loss of income possibly save your life. It isn t always possible to prevent illness but it is possible to mitigate its effects on your life. Tax mitigation: more for you Everyone likes to secure healthy income streams, for example through salaries, dividends investments, but most people also wish to minimise their tax liabilities. After all, it s not just what you earn that matters, it s what you keep that counts! By guiding you through tax planning we may be able to save you significant sums today your eventual inheritors in the future. Crystal Wealth can help you minimise taxes maximise benefits, including income tax, capital gains tax, inheritance tax, gifting trusts. Tax treatment is dependent on individual circumstances may be subject to future change. Please note, tax planning is not regulated by the Financial Conduct Authority. As fully independent advisers we have access to the whole financial market to support you. We will assess continually review which risk insurers, pensions investments are the most beneficial for you. Life cover (non-investment) income protection: the plan will have no cash-in value at any time will cease at the end of the term. If premiums are not maintained, cover will lapse. Critical illness plans: the policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features Policy Documents. Crystal Wealth advisers regularly work alongside other professionals such as accountants solicitors to offer you holistic, integrated support.

5 For information about wealth management for business owners, partners directors, please ask to see our separate brochure. Whatever your financial aspirations, talk to Crystal Wealth. We look forward to welcoming you to secure, stress-free wealth management. Crystal Wealth Management Limited Registered central Bristol office: 19 Portl Square, Bristol BS2 8SJ Tel: Fax: Yate office: Tel: Fax: Crystal Wealth Management Limited ( Crystal Wealth ) is an appointed representative of In Partnership, the trading name of The On-Line Partnership Limited, which is authorised regulated by the Financial Conduct Authority.