FINANCIAL PLANNING

WITH FORESIGHT

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FINANCIAL PLANNING WITH FORESIGHT

Every individual and business is unique.

At Foresight we pride ourselves on taking

the time to understand our clients and in

tailoring our approach to create bespoke

financial planning solutions. So our clients

can relax in the knowledge that their

financial affairs are being professionally

managed on an ongoing basis.

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ABOUTFORESIGHT

Today, we have clients situated in the UK and throughout the world. We have extensive financial planning experience with all of our advisers being Chartered Financial Planners, or actively working towards this. This exclusive title is awarded to those individuals who have met the rigorous criteria relating to professionalism and capability. But Foresight is about more than individuals. We are a close knit team that has established a track record of providing clear and innovative financial planning solutions. Our advisers and support staff are highly trained and have extensive experience

in dealing with clients who expect the highest standards. Our cutting edge financial planning process, The Quantum Programme™, allows us to provide advice tailored to the individual, creating a bespoke solution for every client. As a result we now advise on significant assets for clients using our Advanced Investment Strategy™, a clear and tightly managed investment philosophy and process. It means you can be confident that you are dealing with one of the UK’s leading firms. One that is wholly committed to providing you with the best possible advice, service and support.

Established in 1998 and based in Hale, Cheshire, we have built our reputation for stability, strength and integrity through personal contact with our clients.

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WHO DO WE WORK WITH?

We operate a holistic approach to financial planning, looking at the whole picture rather than just the individual components. However we do have specific areas of expertise.

Our specialist areas include:

• Investment management• Retirement planning• Family protection• Business protection• Trust planning• Estate planning

We recognise that you cannot be an expert in everything, and therefore have developed close connections with other professionals to ensure that clients receive the most suitable advice at all times.

Our Specialist Areas

Experience has shown that our financial planning process is of particular benefit to successful entrepreneurs, professionals, senior executives and those with more complex financial planning requirements.

Our clients typically have little time to manage their own financial planning, but understand the need to be organised and in control in this area of their lives. As experts in their own fields they recognise they need similar expertise and professionalism for their financial advice and investment management.

We work closely with them to establish and maintain a clear financial plan, enabling them make the most of their money.

Our approach appeals to those seeking peace of mind and for whom service and a trusted relationship are key factors. As a result, we often find ourselves acting as a sounding board, enabling clients to maintain the same discipline in their financial planning that they have within their professional lives.

THE QUANTUM PROGRAMME

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The process is split into 6 distinct stages:

5. The Implementation MeetingWe provide all the information to give you the confidence to make the decisions that will move you towards your financial goals and objectives.

The actual implementation of the plan often requires large amounts of paperwork. We remove the hassle by organising everything and ensuring that everything is processed smoothly and efficiently.

1. The Exploratory DiscussionWe want clients to be comfortable that they are making the right choice of adviser. This meeting is to find out what you are looking to achieve from your financial planning and for us to explain how we operate.

We can then decide how we can work together and agree the way forward.

6. The Calibration AuditThe most important aspect of the financial planning process is monitoring your progress.

We will meet you on a regular basis to confirm that your plan is working for you, and make any required changes.

The value of investments and the income from them can fall as well as rise and is not guaranteed. You may not get back the amount originally invested.

Our financial planning proposition is based around The Quantum Programme™, our unique process based on years

of experience in dealing with sophisticated clients who require the most effective financial planning.

By making incremental improvements at every stage in the process we provide our clients with a market leading service.

This gives our clients The Edge in aligning their financial plans with their lifestyle and ambitions.

2. The Positioning MeetingThis paves the way for the successful development of your financial plan. By the end of the meeting we will know enough to start formulating your financial strategy and implementing the techniques to help make the most of your money. We will agree the areas of financial planning that we will look at with you, and the costs.

3. The Reconnaissance SurveyAfter our meeting we go into forensic detail about your existing arrangements so that we know exactly what you have in place - the charges, the underlying fund performance and the small print of the contracts.

By liaising with your existing advisers and product providers, we are able to make objective and informed recommendations based on facts, rather than speculation.

4. The Alignment StrategyWe will clearly explain the rationale behind our recommendations so that you are comfortable with the strategies within your plan.

It is vital to build a plan that adapts to the changes in your life.

We also identify realistic timescales for putting your plan in place

The Edge

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WHAT IT MEANS TO OUR CLIENTS

Because we have a clear understanding of their personal and financial goals we are able to develop effective strategies.

Everything we do is explained clearly and in plain English. Our aim is to grow client knowledge around financial matters and to increase their confidence in the decisions they make.

Excellent service is paramount to us, so clients are always kept up to date with progress - and queries are dealt with quickly and efficiently.

We are also here for clients to discuss financial matters when they need us most, such as:

• Stockmarket volatility - helping clients rationalise their emotions to ensure they make the right decisions

• Family issues – relationship break downs, debt, illness or death - listening and providing advice in difficult times

• Second opinion/sounding board on opportunities – providing an alternative point of view

Clients tell us they like the peace of mind they get from dealing with Foresight.

So what do we actually do?

We help clients understand the risks they face and to take measured decisions they are comfortable with.

These are then reviewed on a regular basis to ensure investment strategies are still aligned to their situation. All portfolios are re-balanced on a regular basis to capitalise on gains or buy assets that are undervalued.

This means maintaining sufficient capital to allow them to ride out short-term volatility in investment portfolios.

We also advise clients where short-term tactical change should be considered.

Fund Managers are kept to their brief by undertaking ongoing due diligence, ensuring that investments are well-balanced and diversified.

Taxes are a part of life - but these liabilities are minimised by the appropriate use of tax advantageous investments and careful tax planning.

And because we are independent, clients can be assured they are getting the best value for money.

Real value for money

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ADVANCED INVESTMENT STRATEGY

There are many different views on how to invest. The simplest is the best - ‘Buy low and Sell high’, which is sound in theory but virtually impossible to achieve in the real world.

Our approach to investments is based on comprehensive intellectual research, and our decisions are based on a combination of leading academic theory and time-tested principles with the intention of delivering a more coherent and dependable investment strategy. The Advanced Investment Strategy™ is built around the Markowitz Model. First put forward in 1952 - Harry Markowitz was awarded the Nobel Prize for Economics in 1990 for his systematic technique for building an investment portfolio and adjusting it over time. We do not believe in chasing performance or attempting to second guess what the markets will do. We adopt a structured and disciplined approach to investing which seeks to manage risk, target appropriate returns, minimise tax and, above all, help our clients to increase the probability of

achieving their financial and lifestyle objectives. The Advanced Investment Strategy™ is successful because it works on the understanding that investing is 90% asset allocation and 10% investment choice. Too many people focus solely on investment choice, when asset allocation is the prime cause in successful long-term financial plans. We believe in the benefits of a longterm strategic view of asset allocation with some short term adjustments to manage volatility and risk. Intensive research is employed to identify investment managers that will deliver the returns our clients require and cutting edge technology is used to drive down costs; providing our clients with convenience and simplification in an otherwise complex area.

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WHAT OUR CLIENTS SAY ABOUT US

“We are busy, working people. The team at Foresight have proved invaluable in taking good care of our finances.”

David & Helen Lomas, Company Directors - G W Lomas & Sons Ltd

“Foresight provide a positive, proactive and personal service to ensure that my investments work as hard as I do”

Margaret McDonald, Barrister - Kenworthy Chambers

“The advice I have received has always been pragmatic and professional. I trust them implicitly so I can concentrate on developing my business and enjoying life.”

Guy Remond, Managing Director - Cake Solutions

“Foresight always spend time to understand my personal and business circumstances and have given me structure and control over my finances.”

Alan Foreman, Chief Executive Officer - B-Secur

“The team are thorough in their analysis and pay close attention to the detail that is relevant to our investments.”

Lincoln & Bel Jones, Retired - Ex-Company Director

Our practice is built on long term relationships with our clients. These days, the vast majority of new clients are introduced by existing clients who have been pleased with the service that they have received.

But don’t just take our word for it. Here are some testimonials from existing clients:

Foresight IndependentFinancial Planning Ltd.

161 Ashley RoadHale, Cheshire

WA15 9SD

0161 926 9350hello@foresight-ifp.co.uk

www.foresight-ifp.co.uk

The Financial Conduct Authority does not regulate taxation and trust advice.FORESIGHT INDEPENDENT FINANCIAL PLANNING LTD IS AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY

REGISTERED IN ENGLAND & WALES, REGISTERED NUMBER 05897811. REGISTERED OFFICE AS ABOVE