1

Wealth ManagementNational Irish Bank

2

Protecting Wealth

Planning Wealth

Investing Wealth

Financial IndependenceFinancial Independence

3

Protecting

Wealth

• Protect Income – in life & death

• Protecting Assets

• Protecting your estate

• Asset Allocation Strategy

Protecting WealthProtecting Wealth

4

Protecting Wealth – risk of dying Protecting Wealth – risk of dying before 65before 65

Ages Sole Trader

Two Partner

s

Three Partners

35 13% 23% 32%

40 12% 22% 32%

45 12% 21% 30%

50 11% 19% 28%

5

Planning Wealth

Planning WealthPlanning Wealth

Financial Independence

Financial Planning Wealth Extraction

Wealth Transfer

(Being fair to Kids and doing the right thing by the business )

Investment Planning

6

Wealth Extraction

•Wealth Management /Tax Planning / Succession Planning Strategy

Taxable ProfitsIncome

Tax

After Tax Profits / Income

Tax Exempt Fund

Tax Free Lump Sum

ARF Option

Next Generation

7

CompanyPension Scheme

& ARF Beneficiary

Corp. Tax Relief

No Inc. Tax or BIK No tax on

income or gains &Tax Free Cash

Std. Rate Income Tax

Company Directors – Wealth Transfer

8

Investing Wealth

Investing WealthInvesting Wealth

In order to continue to experience the growth in personal wealth …

• Return expectations

• Risk Tolerance

• Diversification

• Time not timing

• Defined long term strategy

9

• Asset Allocation….>90% of return producer

• Diversification………asset classes, sectors, geography

• Traditional long only assets

• Blend of value and growth

• Addition of alternatives

• Reduce correlation, enhance risk adjusted returns

Investing Wealth - ApproachInvesting Wealth - Approach

10

Our Partners

11

Summary

• Protecting Wealth

• Planning Wealth

• Investing Wealth