WEALTH PLANNING INVESTMENTS LENDING

WEALTH PLANNING INVESTMENTS LENDING

WELCOME TO BROWN SHIPLEY THE WEALTH TAILORS We are wealth managers, offering clients informed financial advice and tailored services on all aspects of wealth planning, investment management and lending. We manage wealth well. We endeavour to maximise, preserve and enhance the wealth of an individual, today, tomorrow and for future generations. Our focus is totally client-centric. We are a UK authorised bank and a member of KBL European Private Bankers, which together manage over 60 billion (as at 1 January 2017).

CONTENTS 05 INTRODUCING BROWN SHIPLEY 06 FULFIL YOUR AMBITIONS 08 GETTING TO KNOW YOU 10 WEALTH MANAGEMENT APPROACH 12 WEALTH PLANNING 14 INVESTMENT MANAGEMENT 16 BANKING 17 LENDING 19 CONTACT US 04

ESTb 1810 Honesty, integrity and personal service are the foundation stones of our company. Always have been, always will be. So you can be confident that any advice we give is consistent with your overall ambitions. No matter who else you may work with - accountants, tax specialists, lawyers we will work collaboratively and aim to complement their services in order to help you achieve your financial ambitions. WEALTH WELL MANAGED TODAY, TOMORROW AND FOR FUTURE GENERATIONS BIRMINGHAM EDINBURGH LEEDS LONDON MANCHESTER NOTTINGHAM 05

06 FULFIL YOUR AMBITIONS

YOU WANT TO SECURE YOUR FUTURE AND YOUR FAMILY S FUTURE BUT YOU WANT TO DO MORE THAN THIS. You want to get more out of life, enjoy the journey you re on and achieve greater things. By investing wisely, you want your funds to work harder and to add value. Giving you the freedom to do more, explore new directions, tread paths untrodden. And to enable those closest to you to realise their hopes, dreams and aspirations, too. YOU WANT TO PARTNER WITH LIKE-MINDED PEOPLE. PEOPLE WHO SHARE YOUR AMBITIONS. WHO CAN BRING YOUR IMAGINATION TO LIFE AND WHO CAN HELP YOU REALISE YOUR VISION. We aim to do more for you and your family. We think creatively, imaginatively, with passion and always proactively. Offering solutions to inspire. We go about our business, quietly, efficiently, reliably. You will have peace of mind knowing your money will be well managed. VISION 07

GETTING TO KNOW YOU We know everyone has a different story to tell, whether they whisper it or shout. So we let you talk - we listen and we learn. We want to understand your different requirements, ambitions and dreams. Even the most thorough wealth management service is essentially worthless unless it addresses the precise needs of the client you. We promise to help you achieve your long-term financial ambitions and will put together a plan that helps you reach your specific goals. What is right for you now could be wrong in years to come, so we like to build and nurture a relationship that allows us to plan for your changing circumstances. Share your ambitions with us and together we ll fulfil them quicker. OUR BIGGEST ASSET IS TRUST We look after a wide variety of clients: individuals, families, business owners, dynamic entrepreneurs and sports professionals. We also act for charities, trusts, pension funds and medical professionals as well as professional advisers such as solicitors and accountants. Financial affairs are never simple and you must be confident that you can rely on someone to understand you and your aspirations. That is why our clients trust their assets to us, where the core values of personal service, security and integrity translate into the modern practice of wealth management. 08

WE ARE PROUD OF THE FACT THAT FAMILIES HAVE TRUSTED US ACROSS GENERATIONS 09

WEALTH MANAGEMENT APPROACH FROM THE EXPERTS, NOT OFF THE SHELF Our clients all have individual needs so we do not provide any standard solutions. From the very start of our relationship, we will work with you to understand your ambitions, your attitude towards risk and return, income and capital growth, the short and the long-term, and your priority for tax efficiency. We go about our business in an approachable and personable manner. There is nothing automated about our service, you will always be able to reach us over the phone. Regular review meetings supported by online access to your accounts means you will always have the information you require, swiftly. Our focus is on you and what you get from us, not the other way round. Like any good tailor, we will make suggestions and listen to what you want. Moreover, we also understand that your requirements will change over the years as your life changes. So, staying with the analogy, we regard ourselves as wealth tailors - aware of fashion, but knowing that style is personal and more persevering over the long-term. EXPERT FAIL TO PLAN, PLAN TO FAIL 10

SOMETIMES NOT TAKING A RISK CAN BE RISKY WE NEVER FORGET IT S YOUR MONEY Our team of specialists will research, analyse and guide all wealth management decisions. It s an approach that is measured and risk-aware. After all, it s your money and your future. FREEDOM 11

WEALTH PLANNING FINANCIAL FREEDOM ADVICE TO LIVE A LIFE LESS ORDINARY Financial freedom is the knowledge that you have access to your money whenever you choose and that your wealth will deliver your personal and financial objectives. We will tailor a goal-oriented, personal, lifetime financial plan to give you confidence about the future and the freedom to enjoy life. It s often difficult to imagine how the choices you make now will affect you and your family in years to come. We listen, and with you look at what matters to you, from family protection, your tax position, retirement plans and your intention to provide for the next generation. Integral to the plan is a lifetime cash flow. A lifetime cash flow helps you plot the major events and milestones of your life and allows us to plan for them together. In a constantly evolving world, where your circumstances can change overnight, your financial plan will need to adapt to ensure that achieving your ambitions remains the primary focus. We will work with you to regularly update your plan and you can get on with your life. As Benjamin Franklin famously said There are only two certainties in life death and taxes and all our advice will fully reflect current tax law to help ensure every solution offered will maximise the tax benefits available for your personal circumstances. LIFE DOESN T HAVE TO BE COMPLEX SECURITY Estate preservation, inheritance tax mitigation and retirement planning are complex areas that require expert wealth planning advice. Pensions are already complicated and new pension freedoms have introduced fundamental changes to how your pension can be accessed and passed on to the next generation. The number of options confronting those at retirement increases the risk of making the wrong decisions. We are not saying that everyone will splash out on something fast with four wheels, but people are simply bewildered by choice and will benefit hugely from professional advice. We have been giving informed advice on pensions, benefits, and retirement options for more than thirty years. With a sound understanding of your objectives, the management of your pension fund is fundamental to securing your financial future. YOUR PENSION IS YOUR FUTURE, LET S GET IT RIGHT 12

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INVESTMENT MANAGEMENT CHOOSE WHICH INVESTMENT ROUTE IS BEST FOR YOU Whichever route you choose, you have access to a full spectrum of UK and international equities, corporate bonds, cash, gilts, hedge funds, structured products and other financial instruments. 14

1 DISCRETIONARY MANAGEMENT Your Investment Manager and support team take responsibility for all investment transactions once we have agreed key principles and financial objectives with you. We can react swiftly to changing market conditions and make the best decisions for your personal portfolio. Of course, you will receive comprehensive reporting on its performance. TAILORED 2 ADVISORY MANAGEMENT You may prefer to be more involved in your day-to-day portfolio, and make your own investment decisions. Our advisory service means you can manage your investments and transactions, but with invaluable access to our expertise, analysis and research. 3 BROWN SHIPLEY FUNDS Brown Shipley Funds offer a small but focused selection of funds that provide cost-effective access to worldwide investment opportunities. These include equity, fixed interest and multi asset solutions designed to meet a variety of objectives. All funds are managed under the supervision of Brown Shipley s Investment Policy Committee with the same active management principles that apply to our discretionary portfolio investments. They will only be offered if they meet your particular requirements. 15

BANKING We are not a high street bank; our banking service is intimate and highly personal. We take time to listen and thoroughly understand your individual cash management needs. Remember how people used to talk to their bank manager? At Brown Shipley you still can. After all, private banking is about trust, security and service. The convenience of a banking proposition complements our other wealth management services, and to this end, we offer a truly bespoke, proactive facility. The Brown Shipley VISA Infinite charge card is our premier card service. Our clients have access to worldwide ATMs, concierge and travel services, comprehensive travel insurance and many other exclusive benefits. 16

LENDING There are many reasons you may want to borrow. An opportunity or a change in your circumstances may mean that you need to raise additional funds. We offer bespoke lending facilities to our clients. We do not have standard loan products or standard answers and you do not simply fill in a form we offer a specialised lending facility. At Brown Shipley, all our services have one thing in common: dedicated specialists lead them. If you have a lending need, you will meet a lending expert who will listen and talk to you so we can understand your specific requirements and find the right solution for you. Creativity underpins the advice we give. We regard lending as an integral part of our wealth management service. It is all part of helping you to achieve your financial ambitions and aspirations. PEOPLE USED TO BE ABLE TO TALK TO THEIR BANK. AT BROWN SHIPLEY YOU STILL CAN. PERSONAL 17

Brown Shipley is a trading name of Brown, Shipley & Co Limited, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England and Wales No. 398426. Registered office: Founders Court, Lothbury, London EC2R 7HE. Brown Shipley s parent company is KBL European Private Bankers which, from Luxembourg, heads a major European network of private bankers. Telephone calls may be monitored or recorded for security purposes. [BS Corp 05.17] 18

TRUST IS THE FINEST COMPLIMENT We asked our clients what they thought of us: Brown Shipley listened and talked to us as though they believed in us. Responsive is what we need and that is what we get. We want to be treated as a customer for life. I m happy for you to get on with it. Brown Shipley listened. You are easy to talk to and have a sensible approach. Finally, perhaps our favourite: We trust you. TALK TO US This brochure is intended to provide an overview of our Wealth Management services. We have offices across the UK therefore please do not hesitate to call us to discuss your particular requirements. BIRMINGHAM 45 Church Street, Birmingham B3 2RT Tel: 0121 200 0670 Fax: 0121 200 3153 EDINBURGH 2 Multrees Walk, Edinburgh EH1 3DQ Tel: 0131 524 1270 Fax: 0131 557 1128 LEEDS 10 Wellington Place, Leeds LS1 4AP Tel: 0113 261 5420 Fax: 0113 245 4571 LONDON Founders Court, Lothbury, London EC2R 7HE Tel: 020 7606 9833 Fax: 0207 606 5899 MANCHESTER 3 Hardman Street, Manchester M3 3HF Tel: 0161 214 6500 Fax: 0161 214 6950 NOTTINGHAM Unit 5, Lawrence Way, Castle Marina, Nottingham NG7 1GE Tel: 0115 988 6997 Fax: 0115 988 6990 19

I want to know that my wealth is well managed for now and the future, for me and future generations. It helps not only protect and safeguard my lifestyle today but enables me to realise my vision for the future. brownshipley.com