WEALTH MANAGEMENT & EMPLOYEE BENEFITS. Mattioli Woods Select Personal Pension and Portfolio Management Service

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1 WEALTH MANAGEMENT & EMPLOYEE BENEFITS Mattioli Woods Select Personal Pension and Portfolio Management Service

2 ABOUT MATTIOLI WOODS PLC Mattioli Woods plc provides integrated wealth management services, embracing financial planning and asset management. Being widely recognised as a market leader in self-invested pension arrangements, we manage significant funds for clients in pensions and ISAs, private portfolios and trusts. Wealth management is about the successful integration of financial planning and asset management. Our aim is to provide trusted advice, high-quality service standards and personalised delivery against a backdrop of long-term client relationships. We employ over 450 staff throughout our Aberdeen, Buckingham, Glasgow, Leicester, London, Newmarket and Preston offices, and manage, advise and administer over 6 billion of assets for our clients. We provide our clients with an all-embracing approach, designed to develop a clear strategy for their financial plans. This is supported by sound investment initiatives and a long-term perspective. Sometimes, a solution is required for a shorter-term need, and one of our core strengths is adaptability. Mattioli Woods is authorised and regulated by the Financial Conduct Authority to provide investment advice and management services in the UK.

3 By choosing the Mattioli Woods Select service, you are benefiting from the combination of our premier services and our extensive experience in this field. We were one of the first providers to offer SIPPs in the marketplace and our portfolio management service continues to deliver consistent and proven results for our clients. The Mattioli Woods Select service offers you: A simple and transparent fee-structure Access to a choice of investment portfolios according to your appetite to risk Stringent security of your assets Superior administration through our award-winning pension teams Detailed six-monthly performance updates 24/7 access to your portfolio via our online system Regular communications on our strategy and portfolio adjustments Access to highly revered advisory services AN AWARD-WINNING FINANCIAL SERVICES GROUP

4 OUR PERSONAL PENSION The Mattioli Woods Personal Pension gives you greater control over your retirement savings and access to a wide range of high-quality investments. The scheme is approved by HM Revenue & Customs and helps you save for your retirement in a tax-efficient way. The fundamental difference between the Mattioli Woods Personal Pension and an insured pension policy is that it offers a high degree of control and investment flexibility, and also creates the right structure in order to enhance the potential of pension assets owned. Using our Personal Pension, you will benefit from: The ability to build a fund of money in a tax-efficient way to provide you with an income in retirement Flexibility in a broad range of investment opportunities The right structure in order to enhance the potential of pension assets owned by the scheme Flexibility to take benefits upon retirement As part of the Select service, funds are invested in our discretionary portfolio management service or cash/deposit accounts. The Mattioli Woods Personal Pension also enables funds to be invested at a later date in insured funds, unit and investment trusts, and OEICs, as well as real assets such as shares and commercial property/land, if required. GREATER FLEXIBILITY AND CONTROL

5 OUR PORTFOLIO MANAGEMENT SERVICE As part of the Select service, your funds will be managed on the Mattioli Woods portfolio management service. This is a tailored investment management solution, designed in response to our clients needs and reflecting the fact that the investment world continues to evolve rapidly. In a complex investment marketplace with a multitude of funds, the Mattioli Woods portfolio management service provides clients with actively managed investment strategies and solutions. Using our Portfolio Management service, you will benefit from: Active asset management, access to all asset classes, and greater diversification of investments Efficient distribution of risk A superior risk-adjusted portfolio of investments in one cost-effective and efficient structure The timely implementation of investment decisions, crucial in fast-moving markets Due to our economies of scale, we have the ability to access products and pricing which may not be available to individual investors. OUR INVESTMENT PROCESS At Mattioli Woods, our investment philosophy is clear, robust and effective. We invest time in the careful deliberation of key factors driving economic and investment trends, with the fundamental aim of smoothing the sometimes rollercoaster nature of today s investment markets. We believe successful asset allocation is the key to consistent performance, and we manage with conviction, taking full advantage of our ability to be flexible. Our range of managed portfolios is designed to provide effective management for those wishing to grow or safeguard their wealth, whilst minimising risk and volatility. As part of our investment process, we: Carry out ongoing economic and investment research Ensure asset allocation is central to our investment approach Undertake rigorous fund and fund manager research Continually review strategic and tactical asset allocation Believe in diversification and risk management of portfolios ACTIVELY MANAGED INVESTMENT SOLUTIONS

6 YOUR PORTFOLIO SELECTION Whether you are a cautious investor looking for long-term income, or more adventurous and willing to accept a higher risk, Mattioli Woods offers a portfolio to match. In order to select a portfolio which best suits your needs, risk profiling will be required, accompanied by an in-depth discussion with one of our consultants. This will include completion of a document that will gain full insight into your financial position, and assist us in developing a suitable investment strategy. Our select risk-weighted portfolios: Risk Profile Cautious Balanced Growth Benchmark IMA* Mixed Investments 20-60% Shares sector average IMA* Mixed Investments 40-85% Shares sector average IMA* Flexible Investment sector average *Investment Management Association The portfolios meet various objectives. For example, the cautious portfolio is conservatively positioned; conversely, the growth portfolio has a focus on generating high long-term capital growth. Our portfolio management service is designed to be flexible to your needs and your portfolio selection can be altered at any time to ensure it suits your chosen strategy, or because you have a short-term, solution-based need. TAILORED TO SUIT YOUR PERSONAL CIRCUMSTANCES

7 ACCESS TO WEALTH MANAGEMENT SERVICES If required we can extend the Mattioli Woods Select service to cover holistic wealth management services. Successful wealth management is the integration of financial planning and asset management. We recognise that both short and longer term demands exist and we provide both tactical and strategic solutions for the immediate and long-term future. We understand that taxation plays a key part and our range of services are comprehensive, delivering everything that a 21st century client requires from a financial services group. We know how important both creating and preserving wealth are and increasingly assist clients to cascade their wealth through the generations. Our wealth management services include: Pensions SIPP, SSAS, trustee services Investments structured products, ISAs, OEICs Portfolio management Financial planning wealth building, trust planning, IHT, exit planning, executive financial planning Property real estate investment trust (REIT), syndicated property, mortgage advice, property insurance Protection life assurance, medical insurance, critical illness, income protection, shareholder protection, key person protection Next steps Whether you have existing investments in place or are looking to set up a portfolio for the first time, the next step is to arrange a meeting on a non-obligation basis with one of our consultants. In this meeting, we will discuss your needs and objectives in further detail and establish which risk profile and portfolio is most suited to you. To arrange a meeting and receive an application pack, please contact us on the following: Aberdeen Buckingham Glasgow Leicester London Newmarket Preston info@mattioliwoods.com CREATING AND PRESERVING WEALTH

8 Aberdeen 8 Queen s Terrace, Aberdeen, AB10 1XL Tel: Fax: Buckingham Investment House, Celtic Court, Ballmoor, Buckingham, MK18 1RQ Tel: Fax: Glasgow 2nd Floor, 229 St Vincent Street, Glasgow, G2 5QY Tel: Fax: Leicester MW House, 1 Penman Way, Grove Park, Enderby, Leicester, LE19 1SY Tel: Fax: London Third Floor, 22 Park Street, Mayfair, London, W1K 2JB Tel: Fax: Newmarket Cheveley House, Fordham Road, Newmarket, Suffolk, CB8 7XN Tel: Fax: Preston Lanson House, Winckley Gardens, Mount Street, Preston, PR1 8RY Tel: Fax: Authorised and regulated by the Financial Conduct Authority WEALTH MANAGEMENT & EMPLOYEE BENEFITS www