What We Do. Private Client

Transcription

1 What We Do Private Client

2 4 wealth management & financial planning isn t about market timing or gut feeling It s about delivering to your objectives. 2

3 01 It demands the effective stewardship of your financial affairs throughout four distinct phases; the creation of wealth, its maintenance and growth, its protection, preparing for both the foreseen and the unexpected in equal measure and ultimately its transfer through generations. 03 All our clients define their wealth differently. For some, it is purely the value of assets; for others it is family, relationships and the comfort of security. However, one thing is constant; your wealth is precious. 02 It requires care; whether that be through sensible, bespoke investment management aimed to secure and increase real value over time, or through the building of appropriate mechanisms to guard against the unknown. Our wealth proposition is geared solely to providing solutions to all of the major financial challenges in life; solutions that are individually tailored, built on understanding and empathy, clearly communicated and implemented without compromise. Our mission is a simple one. We want to consistently deliver the finest client experience available, never forgetting whose money we are looking after, never forgetting the job we have been asked to do, always focused on taking care of that which is precious; your wealth. And we like to think that s something we do very, very well. 3

4 4 In the first instance our Wealth Planners will consider products and solutions taken from our own portfolio; products and solutions designed to deliver cost efficient access to the investment market with controlled management performance aimed at meeting your requirements. However, where a Sanlam solution does not best meet your needs, we will seek a solution elsewhere and believe that this blend of flexibility and control allows us to not only satisfy your requirements but also provide comfort, peace of mind and a platform for you to both understand and enjoy your wealth plan. The Sanlam wealth proposition offers the investment solutions, expertise, products and services of a world class financial institution. a unique wealth

5 Our wealth proposition is backed by both our risk analysis methodology and industry recognised investment management; a proposition which offers flexibility and strength, breadth as well as depth with exclusivity and accessibility in equal measure. 5

6 6 Successful wealth management and financial planning isn t about market timing or gut feeling, it s about delivering to your objectives

7 meeting your needs Our clients expect and receive outstanding service built upon consultation and understanding of what they want, their circumstances, their plans for the future and, most importantly, how they wish to be treated. It is not our place to be bold or cavalier with your wealth. We aim to deliver satisfaction; meeting critical needs over time and achieving your investment objectives by only taking the appropriate levels of risk, always acting appropriately, empathetically and professionally, methodically, sensibly and calmly. Wealth Planning Wealth planning encompasses a wide range of expertise: from saving for retirement, buying a home and protecting your family to the mitigation of inheritance tax and planning for long term care. Our Wealth Planners will assist you in the development of bespoke financial strategies and solutions for the management of your financial affairs and the growth, protection and transfer of your long term wealth. Wealth Management Irrespective of how your money is invested, it will be managed by professionals with an industry recognised track record of success. Our risk analysis method and end to end investment process will ensure that however you are invested it will reflect and match your individual requirements. Once your plan is in place, your Wealth Planner will concentrate on ensuring that your investments are performing to meet your objectives by means of regular reviews, with advice built upon considered and consistent research formulated by our experienced back-office team. 7

8 It s not a word you ll find in any dictionary; it s a simple description of what we do and what we believe in. It s an attitude. An ethos. An understanding that nothing worthwhile can ever be hurried. It s a promise that we ll never be afraid of good old fashioned hard work; that there are no short cuts that don t cut you short and that when there is work to be done it s worth doing very, very well. And whilst we want to do well we also want to do good, because how much money we make will never be the sole measure of our success. It s diligently focusing on our own trade, which is turning your money into meaning. Whether it s a lot or very little; to make it work and make it work hard so that it can be transformed into something more. And we do it with great pride. This is what makes us Wealthsmiths Our work is never done. 8

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11 The foundation of our investment management process is Accel, our end to end investment process. Taking into account your financial objectives, risk tolerance and capacity for loss, it gives a clear understanding of what to expect from your investment journey and how realistic your goals are. managing your money Together, we create your investment mandate ; the set of rules as to how your money is to be both allocated and managed throughout the life of the investment. These rules, chosen with you at the point of advice help determine, guide and control the decision making process, placing defined risk and behavioural limits upon Sanlam s investment management team, creating accountability, peace of mind and ensuring your money is continually invested as per your wishes. The Accel system, unique in the UK and developed by Sanlam, works efficiently to define and manage investment risk, not only within the range of Model Portfolios and Discretionary Fund Management solutions offered by Sanlam but also within those offered by other organisations (although you should be aware that we cannot exercise the same level of control over external parties). 11

12 part of a world class team Our UK wealth management business is part of Sanlam Limited, the international financial services group, which has been advising clients around the world for nearly 100 years. Valued at almost 10 billion*, employing over 15,000 individuals worldwide and managing more than 45 billion** in client assets, the Sanlam Group is an organisation with a growing global presence. *As at 16 March 2017 **As at 31 December 2016 In the UK we have a strong reputation for innovative product development and design, first class customer service and forward thinking investment management. However, we benefit greatly from the expertise of the global group and its collective experience, deepening our knowledge and strengthening our offering. Ours is an organisation built on a strong foundation of shared vision and values. We wish to achieve excellence; by always knowing and doing what is right; by always putting your needs first. By always remembering that your wealth is precious. 12

13 in your community We believe we have a duty of care; not only to our clients and staff, but to everyone, for the greater good of us all. The Sanlam Group has a long history of supporting those in need, empowering others with a hand up rather than a hand out, focusing on, supporting and donating to a wide range of both short term projects and long term sustainable partnerships. WEALTH MANAGEMENT & INHERITANCE TAX PLANNING INVESTMENT & RETIREMENT PLANNING EQUITY RELEASE SCHOOL & EDUCATION FEES PLANNING LIFE ASSURANCE & FAMILY PROTECTION INCOME PROTECTION CRITICAL ILLNESS COVER In the UK, we are committed to continuing that tradition; providing financial assistance to those in need through fund raising, increasing awareness and engaging with the community whenever possible. Our policy of social responsibility is constantly developing and we make every effort to keep our clients and corporate partners informed of everything we do. LONG TERM CARE FEE PLANNING MORTGAGES POST RETIREMENT PLANNING 13

14 e deliver wealth planning and investment management solutions; solutions focused solely upon delivering to your objectives, aimed at meeting your needs and securing your position through long term relationships built on understanding empathy and trust. Every relationship begins with a simple conversation. If you would like to learn more about Sanlam, the services we offer or to speak to one of our Wealth Planners, irrespective of whether you are an experienced investor or seeking advice for the first time, please do get in touch. 14 We d love to talk with you.

15 You could follow us on... Look for Sanlam UK We d love to talk with you getintouch@sanlam.co.uk

16 Offices: St. Bartholomew s House, Lewins Mead, Bristol, BS1 2NH Monument Place, 24 Monument Street, London, EC3R 8AJ The Potteries, Wickham Road, Fareham, Hampshire, PO16 7ET The Tything, Worcester, Worcestershire, WR1 1HD Unit 27, Ffordd Richard Davies, St Asaph Business Park, St Asaph, Denbighshire, LL17 0LJ Wall Terrace, Chapel Street, Marlow, Buckinghamshire, SL7 1DD /05.17 Sanlam is a trading name of Sanlam Wealth Planning UK Limited (Registered in England and Wales ) and English Mutual Limited (Registered in England and Wales ). English Mutual Limited is an appointed representative of Sanlam Wealth Planning UK Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: St. Bartholomew s House, Lewins Mead, Bristol, BS1 2NH.