s e r v i c e h o n e s t y c o m m i t m e n t p r o f e s s i o n a l i s m i n t e g r i t y

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1 IAS12pp new_layout 1 22/07/ :19 Page 2 s e r v i c e h o n e s t y c o m m i t m e n t p r o f e s s i o n a l i s m i n t e g r i t y Comprehensive financial & lifestyle planning

2 IAS12pp new_layout 1 22/07/ :19 Page 3 Welcome to Independent Advisers (Scotland) Ltd Thank you for taking the time to seek financial advice. It is not an easy decision to take the first step and agree that a trusted adviser can help you with the major financial planning decisions that you will make during your lifetime. Most people don t plan to fail, they just fail to plan and by using a firm of Independent Financial Advisers you have every opportunity of achieving your financial objectives. I hope we will be the firm of your choice and look forward to being of service to you. A.J. Creevy A.J. Creevy Managing Director

3 IAS12pp new_layout 1 22/07/ :20 Page 4 Firstly, why choose an Independent Financial Adviser? Insurance and pension companies, banks and building societies spend a fortune on advertising in newspapers, magazines, on websites, and on TV and radio all claiming that they know the best financial products for you. Yet they can t all be right! Advantages of independent advice. As independent financial advisers we have access to all of the investment, life insurance, and pension products on the market, but are not committed to any one provider. We can assess the costs and benefits of the financial products on offer and help you choose the most suitable ones to match your needs from the financial services companies we consider the best in the market. The IAS Group of Companies We provide advice in the following areas: Personal Financial Planning Investment advice Pension planning Life assurance / protection of income Estate and Inheritance Planning Mortgages and Loans* Corporate Services Group Life Assurance Group Pension Schemes Business Protection Estate Planning Employee Services IAS Mortgage & Property Services Independent Advisers (Mortgages & Property Services) Ltd We provide advice in the following areas: Residential Mortgages Mortgage Repayment Vehicles Commercial Mortgages Buy-to-Let Mortgages Equity Release My Will (Scotland) Ltd are members of the Institute of Professional Will Writers. We are not solicitors but are specialist Will Writers who take time to meet you at a place of your convenience. At My Will (Scotland) Ltd we offer a free consultation service without obligation. Will Writers Provision of Power of Attorney Advice on Estate Planning Advice on Long-Term Care Funeral Plans Wills, some forms of Estate Planning and some Commercial and Buy-to-Let mortgages are not regulated by the Financial Services Authority. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but we estimate that it will be 0.4% of the loan value subject to a minimum fee of * Your home may be repossessed if you do not keep up repayments on your mortgage.

4 IAS12pp new_layout 1 22/07/ :20 Page 5 At Independent Advisers (Scotland) Ltd we are proud of the reputation we have developed over the last 10 years as Independent Financial Advisers. We offer clients a choice of advice services designed to suit their needs. In addition we offer a comprehensive range of financial solutions backed by qualification, experience, and high levels of ongoing service. Independent Advisers (Scotland) Ltd prides itself on the strength of its client relationships which have been forged over many years and built on integrity and trust. Our aim is to be there for clients when it matters. At IAS we treat clients as individuals. Your objectives, goals and requirements are important to us and we will take time to talk with you on a one-to-one basis. This not only demonstrates how much we value our client relationships but allows us to establish exactly what your expectations are from us and determine what you want to achieve within an appropriate timescale. Our client relationships are based on trust, expertise, service and professionalism. Who do we work best with? Business owners: We work with business owners and Directors to manage and plan their affairs and add value to employee benefits. Professionals: Teachers, Doctors, Accountants, Solicitors etc. We can help create a financial plan with regular reviews to make sure you have enough money in retirement. Retirees: We provide solutions for those approaching or already in retirement and work with you to protect and manage your assets. What is the Role of the Adviser? Clearly understand your goals Develop the right strategy to achieve those goals Minimise any tax implications Minimise any risks (or help you clearly understand those risks) Provide education on investments Develop an appropriate investment strategy Monitor progress towards objectives Review your strategy regularly Our Client Charter We believe that all clients should receive from us: A choice in how we work together Access to real people who understand and are friendly Clear expectations and time to decide Highest levels of expertise, advice and service Timely and appropriate responses Regular reviews and updates on products and services The opportunity to let us know if we let you down so this can be addressed as a matter of importance

5 IAS12pp new_layout 1 22/07/ :20 Page 6 Independent Advisers offer services tailored to your needs based on an expert knowledge of financial markets as well as excellent knowledge of their clients. Complex financial considerations are explained in a clean and simple way. Mr. R Gill - Ayr We are committed to reviewing your circumstances and personal situation on a regular basis unless you agree otherwise at the outset to make sure any changes in personal requirements, market conditions and changes in financial regulation are assessed and to ensure you continue to receive appropriate advice. tel:

6 IAS12pp new_layout 1 22/07/ :20 Page 7 The financial planning cycle Discovery Initial Meeting Present Initial Disclosure requirements (Business Cards, About Us, Client Agreement) Review present financial situation Agree client s objectives Complete a risk questionnaire so that levels of risk and reward can be measured Agree any immediate actions needed Arrange rights to review existing policies Discov Initial me Ongoing Service Our C Ongoing Service Set up mailing or frequency of valuations if required Client chooses frequency and type of contact Implementation Post presentation & administration Implementation Post Presentation and Administration Send client reasons why letter (written rationale) Administer process of issuing plans and contracts Keep client updated with progress through to completion I no longer wonder what to do if a problem comes up I just phone my IFA: problem solved! Finances are simplified, secure, invested tax-free for income or growth (or both!), according to age & requirements, a helpful and excellent service, for all age groups and businesses. Advice is suggested, never forced. Mrs. A Still - Greenock

7 IAS12pp new_layout 1 22/07/ :21 Page 8 For me having an Independent Financial Adviser means not only do I get well informed and up to date advice on investments but also I have peace of mind in knowing that should my situation change in any way, good financial advice based on personal knowledge of my affairs is readily available to me. Mrs. C Belcher - Kew Gardens - London overy meeting Assessment Research and Design Solution Analyse findings from initial meeting Compare existing arrangements against objectives Identify areas of need or weaknesses Research market Choose most appropriate services and products Arrange next meeting r Client Assessment Research & design solution Advice Presentation of solutions Advice - Presentation of Solutions Recap objectives and agreed immediate actions Presentation of summary of existing planning and solutions Give written illustrations Client to agree whether to proceed Complete proposals

8 IAS12pp new_layout 1 22/07/ :21 Page 9 I use Independent Advisers (Scotland) as I ve come to depend on them for sound, common-sense based advise which is specific to my circumstances and needs. Since becoming a client of IAS I now have more peace of mind regarding my financial affairs. I value the no-nonsense, personal service I get from IAS. Mr. H Fullerton - Alloway

9 IAS12pp new_layout 1 22/07/ :21 Page 10 Independent Advisers Wealth Management Platform The IAS Portfolio and Wealth Management Service is an online portal that allows you to access your entire portfolio on one webpage, regardless of where these investments are held. You may have a pension, an ISA and a number of direct investments in mutual funds or stocks and shares. All of these can be viewed in one place and managed simply and effectively as part of your overall plan to meet your financial goals and objectives. Key Benefits Online access at any time Regular statements with performance details Summary of assets on one page Free switching of funds Access to capital without additional paperwork Access to the world s best fund managers (not just retail but institutional) Fund Discounts (depending on the size of the investment) Clients have a choice of platforms depending on size of investment; legacy of assets; number of products; cost. Choice of Investment Independent Advisers (Scotland) Ltd work with a number of the UK s leading investment groups and discretionary fund managers to provide clients with a choice of investments taking into account: Attitude to risk and risk tolerance Philosophy and experience of investments, ie. passive or active management, income requirements etc. Current and future tax position Costs Our client relationships are based on trust, expertise, service and professionalism. Our aim is to be there for clients when it matters.

10 IAS12pp new_layout 1 22/07/ :21 Page 11 At Independent Advisers (Scotland) Ltd we believe that professional financial advice can add significant value to individuals and businesses. It is because of this belief that we provide a comprehensive ongoing review service designed to create real value for our clients. As your partner in building wealth and security, we focus on ways that we can help you to live the life that you want to live. By engaging Independent Advisers (Scotland) Ltd you assure yourself of regular financial checkups and access to new ideas brought to you by the Independent Advisers (Scotland) Ltd team. Choosing a financial partner is one of the most important decisions you will ever make. Take your time, choose wisely, and we hope that we can earn the right to work with you into the future. The Independent Advisers (Scotland) Ltd Client Service An Annual Review Meeting with Your Adviser including A Complete Review Of Your Financial Strategy The Independent Advisers (Scotland) Ltd 12 Point Financial Health Check Unlimited Telephone & Access To Your Adviser Unlimited Face To Face Access To Your Adviser Between Review Dates The Professionals Service: The Portfolio Construction Service: The Portfolio Management Service Providing Strategic Updates To Your Accountant & Any Other Professional Advisers Supplying End Of Year Taxation Information (as required) Recommending Suitable Professionals As Other Needs Arise *Ensuring that everyone on your financial team provides advice in a coordinated and professional way. Using A Scientific Risk Profiling Methodology Design Of A Suitable Asset Allocation Portfolio Design and Construction Online Access To Portfolio Valuations Portfolio Monitoring Re-Weighting of Asset Allocation To Benchmark Written Portfolio Valuations On Request The Priority Response Service Phone Calls & s Returned Within 24 Hours The Remove The Hassle Service Taking The Complexity And Hassle Out of Administering Your Financial Life The Second Opinion Service Making Ourselves Available To Consider New Ideas From Whatever Source They May Originate The Inheritance Tax & Estate Planning Service The Taxation Planning Service In Conjunction With Your Accountant And Other Taxation Advisers The SIPP Service Value Added Strategies Using Self Invested Personal Pensions (SIPPs) The Pensions Service Pensions Advice Pensions Review Pensions Consolidation Some forms of tax planning are not regulated by the Financial Services Authority.

11 IAS12pp new_layout 1 22/07/ :22 Page 12 Independent Advisers (Scotland) Ltd prides itself on the strength of its client relationships which have been forged over many years built on integrity and trust. In our eyes the client is always number 1. tel:

12 IAS12pp new_layout 1 22/07/ :19 Page 1 The next step Remember if you have a proper financial plan and a trusted adviser to guide you through your objectives then you will have a tremendous opportunity of achieving your financial and lifetime goals. We look forward to being of service to you. A.J. Creevy A.J. Creevy Managing Director 81 St Vincent Street Second Floor Glasgow G2 5TF tel: fax: enquiries@iascotland.com Authorised and regulated by the Financial Services Authority. Independent Advisers (Scotland) Ltd. is registered in Scotland Registration No. SC Second Floor, 81 St Vincent Street, Glasgow G2 5TF