A l e x a n d e r F o r b e s W e a l t h M a n a g e m e n t

Welcome to

A l e x a n d e r F o r b e s W e a l t h M a n a g e m e n t

Managing your finances can be difficult at times. The pressures of a demanding career
or managing a successful business are as likely to divert your attention from actively
managing your finances as the needs of your family or personal aspirations outside
the workplace.

Your finances cannot be ignored however. In the same way that your life will change
year by year, so does the financial landscape around you. Recent years have seen
seismic shifts in the legislative landscape around both pensions and the taxation
of investment gains. These types of changes can have unintended but sometimes
damaging consequences on financial plans if not actively managed. There has never
been a greater need for early and proactive, professional advice.

Alexander Forbes Financial Services Ltd is one of the UK’s premier financial advisory
businesses. We have considerable experience of advising both those who have
achieved business and financial success and those who aspire to it.

We regularly advise company directors, city and regional professionals and individual
and corporate clients across the UK.

This brochure is intended to give a brief overview of our Wealth Management services.
A series of supplementary fact sheets will explore our services in greater depth.

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“Regular reviews of your financial plans
help us reach your ideal outcome”
A l e x a n d e r F o r b e s W e a l t h M a n a g e m e n t

T h e A l e x a n d e r F o r b e s a p p r o a c h t o a d v i c e

We believe that the first step in providing appropriate advice is to fully understand
our clients and their needs.

An initial consultation with you will set ideal, short, medium and long term financial
outcomes that you would like to achieve. Together we will then review your
existing plans and arrangements and identify any shortcomings that exist and their
implications on your current and future financial security.

Personal &
financial
information

Identify ideal outcomes

Audit current
arrangements & plans
Regular reviews

Implications

Agreed
plan

Reach ideal outcomes

We build long term relationships with our clients that ensure you receive advice after
implementing an initial financial plan. So your arrangements can be adjusted to carry
on meeting your needs.

Our clients tell us that they value honesty, integrity and service as much as the
application of intellectual capital to their financial affairs and these are the four key
qualities of the service that we aim to deliver to them.

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“Advice and support to help you create,
protect and maintain your wealth”
 A l e x a n d e r F o r b e s W e a l t h M a n a g e m e n t

K e y L i f e S t a g e s

All of our clients are unique but there are common phases in their lives and careers.
We have identified three chronological stages to an individual’s ‘financial life’,
wealth accumulation, wealth utilisation and wealth preservation.

Wealth Accumulation - High earnings, high outgoings, desire to save for future,
low levels of invested capital

Wealth Utilisation - Multiple invested assets, income security important, variable

income needs, inflation sensitive

Wealth Preservation - Surplus income & assets, inheritance tax a concern, long term
care needs, philanthropy

A further stage, Wealth protection, underpins the first two, assessing the risks to your
wealth in the event of illness or death.

We offer our full advice and support to ensure the appropriate action is taken
at every stage of your financial life to create, protect and maintain your wealth.
Depending on the stage of your financial life this could involve creating strategies
for funding future expenditure, raising income from your assets or ensuring that your
family is provided for and mitigating inheritance tax.

Your ‘financial life’ Key

Retirement
Accumulation
Personal Utilisation
Wealth Preservation

Enhanced strategy

Your existing
wealth strategy
Wealth Protection

Time

By working with your existing wealth strategy we can enhance the rate of your
wealth accumulation and plan if you wish to retire earlier.

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“We assemble high quality financial
components to suit your individual needs”
A l e x a n d e r F o r b e s W e a l t h M a n a g e m e n t

B u i l d i n g y o u r w e a l t h m a n a g e m e n t s o l u t i o n

We search the entire market to ensure you are equipped with the most
appropriate solution tailored to suit your individual needs. We are not restricted
in our selection and assemble high quality financial components rather than
re-sell generic solutions.

Packaged solutions can sometimes meet financial planning needs, but often
they represent a compromise in terms of access to the full range of investment
available. We only recommend an “off the shelf” solution where there are clear
cost, functional and administrative benefits to our clients.

I n v e s t m e n t P h i l o s o p h y

Central to all financial plans there must be a reasoned and thoroughly

researched approach to the investment of both pension and non-pension capital.

Our approach to helping clients invest their capital employs the latest macro
economic research and analysis incorporating statistical analysis of historic
returns and investment trends.

Thorough analysis of fund managers enables us to create a universe

of “best of breed” funds which we use when building your financial solution.
If access to specialist investment management is required, for example in
relation to direct investment in AIM listed stocks, we employ selected external
investment houses.

R e v i e w i n g y o u r f i n a n c i a l p l a n a n d i n v e s t m e n t s

Your Wealth Management Consultant will agree a schedule of regular financial

plan reviews which are convenient for you. The frequency and depth of these
are up to you; we recommend that an annual review, at least, is essential.

As part of the review process we will make recommendations for the sale or
purchase of funds as and when we believe it is appropriate and in your best
interests to do so.

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“A harmonious relationship with any other professional
advisers you have is most beneficial to you”
A l e x a n d e r F o r b e s W e a l t h M a n a g e m e n t

W o r k i n g w i t h o t h e r a d v i s e r s

We believe a harmonious relationship with any other professional advisers you

have is most beneficial to you. We are happy to attend joint meetings with your
legal or taxation consultants and can provide copies of correspondence
if required.

If you do not have a legal or tax adviser we can recommend Solicitors and
Accountants based across the country who operate at the top of their respective
fields. These firms are often the missing piece in a holistic financial plan.

P a y i n g f o r o u r a d v i c e

We offer a range of ways of paying for our advice and are happy to work
either on the basis of receiving a fee directly from our clients or via
agreed levels of remuneration through financial products when it is
appropriate to your needs and agreed in advance with you.

Where payment by fee is preferred an initial fact-finding meeting takes place in

order to produce a “scoping document”. We will cover the cost of this meeting.
The resulting document confirms what advice is sought, the depth and estimated
duration of work required and, as a result, the likely cost.

We always obtain our clients’ agreement on their preferred way of payment for
advice before undertaking work for them.

C o n t a c t U s

If you would like to discuss your financial plans with an Alexander Forbes Wealth
Management Consultant or find out more about how we can help you, please contact
Ian Porter, Proposition Director – Wealth Management
Telephone no: 020 8604 2830

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A l e x a n d e r F o r b e s W e a l t h M a n a g e m e n t

N o t e s

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Contact us:

South East
5th floor
Leon House
233 High Street
Croydon CR9 9AF
tel: +44 (0)20 8686 0660

Midlands
2nd floor
Radcliffe House
Warwick Road
Solihull
West Midlands B91 2AA
tel: +44 (0)121 712 7900

North East
1 Mariner Court
Calder Park
Durkar
Wakefield WF4 3FL
tel: +44 (0)192 456 6310

North West
3rd floor
Hanover House
30-32 Charlotte Street
Manchester M1 4FD
tel: +44 (0)161 242 8311

South West
Severn House
Lime Kiln Close
Stoke Gifford
Bristol BS34 8SR
tel: +44 (0)117 931 3600

Alexander Forbes Wealth Management

Leon House, 233 High Street, Croydon, Surrey CR9 9AF.
Tel: 020 8686 0660 Fax: 020 8681 4093 Web: www.alexanderforbes.co.uk

Alexander Forbes Wealth Management is a trading style of Alexander Forbes Financial Services Limited which is authorised and
regulated by the Financial Services Authority. FSA Reference: 120975
Registered in England and Wales at: 5th Floor, Leon House, 233 High Street, Croydon, Surrey CR9 9AF. Registered Number: 1804276

AFWM 0006/0410 03056