WELCOME... Financial security in a changing world. Choice and independence. Rich and rewarding experiences

Size: px

Start display at page:

Download "WELCOME... Financial security in a changing world. Choice and independence. Rich and rewarding experiences"

Deirdre Page
6 years ago
Views:

1 SUCCESSION GROUP

2 WELCOME... Financial security in a changing world Succession Group is the UK s largest privately owned Wealth Planning business, delivering rich and rewarding experiences for private and corporate clients, providing tailored Wealth Planning solutions to achieve clients financial goals. Succession is the fastest-growing Wealth Planning brand in the UK. We are the only Wealth Planning business that offers independent advice, controlling and owning the services and solutions that are essential to delivering our comprehensive, end-to-end Wealth Planning solution. We share a powerful and privileged connection with clients who have chosen to engage with our award-winning services and benefit from our innovative solutions. Succession Group s specialist Wealth Planning service helps clients achieve financial security in a changing world, where endless global change leaves people feeling confused, isolated and powerless. Our Wealth Planning and review services fit seamlessly into clients lives, providing clarity and certainty they can live the life they desire, without the fear of running out of money. Our priority is to deliver financial peace of mind for our clients. We want to ensure our clients are free to live their lives, safe in the knowledge that their finances are in good hands. Rich and rewarding experiences Whether travelling the world, supporting children or grandchildren with university fees, or simply making sure family members are safe and secure, a bespoke Succession Plan clearly sets out the actions to help our clients create and protect their wealth, and ensure the efficient distribution of wealth to their chosen beneficiaries. Succession Wealth Management offers a sophisticated assessment of an individual s financial ambitions, views on risk and key financial milestones, delivering a bespoke financial plan with tailored recommendations. Succession Financial Management protects assets, property, income and health, as well as providing security for clients in the long term. Succession Benefit Solutions provides a suite of employee benefits designed to ensure business owners cater for the complex needs of staff and management teams with healthcare, risk benefits, pensions and flexible benefit solutions. Choice and independence Our talented, experienced Wealth Planning professionals build lasting relationships that span generations. Our advice is independent, and our financial recommendations are designed to deliver firm foundations that will last a lifetime. Our clients financial peace of mind is our primary objective. Our award-winning Wealth Planning platform provides a broad range of investment options, allowing us to build tailored investment solutions, designed to meet the individual needs of our clients. We want to ensure that our clients financial future is secure. That means no shocks and a clear understanding of what they have to do to achieve their long-term goals. The needs and wishes of our clients are at the heart of everything we do. We build a solution to suit them; never the other way round. Professional advice has a vital role to play in creating a secure financial future for individuals and businesses. We equip our planners with leading services and solutions, essential to achieving the financial goals of our clients, offering three distinct and complementary advice services to meet the specific and unique needs of our clients: 3

3 BUILDING A SECURE FUTURE... Private Wealth Planning We focus on building lasting relationships with our clients that span generations and provide a comprehensive range of services, designed for the long term, to accommodate the changing requirements of clients as they reach different life stages. Many of our clients have had the same Wealth Planner for years, and now their families also use our services. Our independent Wealth Planning business provides a bespoke strategy for clients, to create and protect their wealth, and ensure its efficient distribution to their chosen beneficiaries. There is a choice of service levels, determined by the investment amount and client preference. Wealth creation As clients build a career or a business and begin to set aside money for their future, they need to ensure their capital is positioned for long-term growth. We offer one of the widest choices of funds available, allowing our independent Wealth Planners to build a bespoke investment portfolio that is appropriate to each individual client and flexible enough to adapt through time. We aim to give our clients the best possible chance of consistent investment returns that reflect modern and transparent investment and pension facilities that come with highly competitive charging structures. Some clients are naturally more cautious than others. Most value certainty, security and preservation although some are willing to accept higher risks to target higher returns. - How can I safeguard my family financially in the event of my death? - How do I pay my mortgage if I am seriously ill and unable to work? Wealth distribution The UK taxation system is one of the most complex in the whole world. Succession Wealth Planners help clients structure their financial affairs in a way that helps to ensure they pay no more tax than strictly necessary, thus directing more resources to achieve financial goals. As clients enter later life, thoughts may start to focus on passing wealth on to children and grandchildren. Succession Wealth Planners help clients arrange a tax-free lump sum to settle any inheritance tax liabilities and to understand the impact on their own financial plan of gifting cash or assets to beneficiaries. Property purchase In most instances, our home is the single biggest investment we will ever make. The decision we make over how to fund that purchase is important. There are plenty of options: Fixed rate or variable mortgage? Repayment or interest-only? Mortgages can be a minefield without a specialist at your side, and a Succession Mortgage Adviser provides that expertise, guiding our clients through the process to select the most appropriate option. All our investments are made with a keen eye to the levels of associated risk including capital loss, and also the ravages of inflation. Our disciplined review process assesses the quality of investment performance and fund manager skill ensures that portfolios are managed to the agreed targets for return and volatility. Wealth protection Life doesn t always work out the way we hope, and it is important to ensure that protection is in place. Our Wealth Planners work with clients to identify, then prioritise, affordable solutions to mitigate the impact of illness, serious injury or worse on their financial future addressing such concerns as: - How much should be set aside as an emergency fund? - What impact would serious illness or injury have on my Succession Plan? 4 5

Succession for businesses Our highly experienced and expert team of leading professionals specialise in bespoke financial planning for corporate clients.

4 Succession for businesses Our highly experienced and expert team of leading professionals specialise in bespoke financial planning for corporate clients. Working alongside our Wealth Planning community they create and implement successful employee benefit strategies, delivering tailored solutions designed to protect the business and the people who work there. We also create programmes to inform, educate and advise employees in relation to their personal finances. We take the time to understand both employers and employees needs so that we can recommend and deliver cost-effective and realistic solutions. Regular reviews ensure the benefit strategy remains competitive, current and compliant. Our tailored consultancy supports all types and sizes of business, creating bespoke solutions to help employers reward, retain and recruit employees. 7

Succession has brought together the expertise, insight and experience of some of Britain s leading financial services professionals to provide bespoke professional Wealth Planning to individuals and

Central to our proposition is our unique ve-step Wealth Planning process: The Key to Success.

5 EXPERTISE & PLANNER CREDIBILITY... Experts in our field Global best practice has consistently identified professional financial planning as the key to delivering value to clients not market timing or stock selection. Succession has brought together the expertise, insight and experience of some of Britain s leading financial services professionals to provide bespoke professional Wealth Planning to individuals and businesses. Goals-based Wealth Planning is the key to success. We do not recklessly pursue high returns at an unpalatable risk. We analyse what is actually needed. Central to our proposition is our unique ve-step Wealth Planning process: The Key to Success. Our comprehensive and integrated system supports Succession Wealth Planners in meeting the diverse and changing needs of each client. Specifically, the system looks to - Identify clients financial goals. - Create an appropriate investment strategy based on these goals, taking account of a client s attitude to risk and loss. - Identify and manage investments with appropriate oversight. - Deliver straightforward client communication and reporting to provide complete confidence that investments are on track. Market leading tailored solutions for clients We make it easy to hold all client investments in one place. Our technology systems have been designed specifically around the needs of clients and are designed to take them through every stage of the Wealth Planning journey. We believe our comprehensive, tailored solution is market-leading, providing access to information 24:7. Our clients can always get access to real-time valuations and projections, plus details of their transaction history, correspondence and much more. Technology has helped revolutionise the way we communicate with our clients; minute to minute tracking and updates, integrated compliance standards, automation and workflow tools accelerate the delivery of advice. Award-winning investment proposition Our Investment proposition is at the very core of our client services. It is designed to recognise that each client is different, and that predefined processes and solutions do not fit all. The Succession Investment Platform provides an integrated investment management solution, accessed through a dedicated investment matrix. This framework delivers a fully audited, comprehensive, risk-controlled investment proposition founded on academic research and emphasising strategic asset allocation, diversification, strict cost control and where appropriate, automated portfolio rebalancing. - We believe in diversification. - We believe in long term investing. - We believe in controlling cost. Independent advice creating firm foundations We work with clients to deliver a successful investment experience. We believe that diversification between different asset classes, markets and industries reduces overall investment risk and delivers more stable returns. Depending on their financial goals we recommend a corresponding mix of assets that produces the most appropriate level of risk and expected return. We take a long term view and while some changes may be necessary, our Investment Committee monitors fund performance to ensure investments meet clients risk and performance parameters. The value of investments can fall as well as rise and you may get back less than originally invested. Succession Wealth Planners are free to create financial plans, unconstrained by any obligation, and our recommendations are entirely free from bias. Whilst we may not believe in certain types of investment because of their structure or inherent risks, it is important that we are fully aware of them, understand the circumstances where they may be relevant and can advise appropriately where a client already holds, requests or has a preference for such investments. In order to provide the widest range of possible strategies we incorporate all possible combinations of active and passive stock selection and market-timing within our matrix of solutions. National coverage on your doorstep We recognise that our clients have busy lives and want to make it as easy as possible for them to see their Wealth Planner. We believe that an independent Wealth Planning service should be delivered locally, provided through personal, face-to-face advice. Our highly experienced and well qualified Wealth Planning experts work in offices around the UK, supported by client servicing teams and technical specialists to deliver financial clarity and peace of mind. We continue to invest in our systems, procedures and people to ensure the enduring quality of the service we provide. A network of regional client servicing hubs in key locations provides easy access to our Wealth Planners and a state-of-the-art Training Academy supports the continuous professional development of our employees across the UK. Our strong network provides worldclass Wealth Planning in key strategic 8 locations. 9

6 SUCCESSION GIVING... A lasting legacy Since its launch in 2009, Succession has supported local, national and international causes and we are very grateful to our staff and Strategic Partners for their enthusiastic support and participation. It really does make a difference. The Succession Giving programme launched in September The theme for 2016 is Children at Home and Abroad and will focus on fund-raising for two key charities: Children s Hospice South West and Children Change Colombia. Children s Hospice South West Children s Hospice South West provides hospice care for children with life-limiting conditions and their families across the South West region. Three hospices, Little Bridge House in North Devon, Charlton Farm in North Somerset and Little Harbour in Mid Cornwall, provide support for 400 families. Succession has given us the ability to keep supporting and caring for the children in our local community with life-limiting and life-threatening illnesses. Our hospices support the whole family through uncertain times, providing them with a haven to give them time out and time together, to make really precious memories. That has been made possible through your donations which is absolutely amazing, and we are so grateful to each and every one of you who has made that possible. Caroline Swain - Media Manager The hospices are very special places, with tailor-made, family-friendly facilities. They provide a loving and caring place for each member of the family: a place where everyone can begin to forget their worries for a while, be a family again while receiving expert help and support. Children Change Columbia Children Change Colombia works with vulnerable children and their families to challenge poverty, inequality, discrimination and violence. Despite Colombia s growing economy and prospects of an end to the long-running conflict, millions of children still face exclusion from the opportunities presented by a changing society. Whether threatened by forced displacement, sexual exploitation or recruitment into armed groups, whether denied an education, a loving family or a place to play, the charity works tirelessly to ensure that every child can claim their right to a safe and happy childhood and fulfilling future. Succession has been a fantastic friend to Children Change Colombia, helping children and young people plan for their futures to make sure that they remain safe and fulfilled. Thousands of children are getting a better education as a result of all the work that Children Change Colombia is doing with Succession s help. Thousands of them also are being able to express themselves, in a way that they haven t been able to do before, forming new relationships, making new friends being able to go out into their neighbourhoods when before they were too scared to do so. Duncan Millar - Executive Director 11

7 T : E : info@successiongroup.co.uk Drake Building, 15 Davy Road, Plymouth Science Park, Derriford, Plymouth, Devon PL6 8BY Succession Group is a trading style of Succession Wealth Management Ltd, which is authorised and regulated by the Financial Conduct Authority. Succession Wealth Management Ltd is a company registered in England and is owned by Succession Group Ltd. Registered Number: Registered Office: Drake Building, 15 Davy Road, Plymouth Science Park, Derriford, Plymouth, Devon PL6 8BY. FP No November 2016

Are you looking for clarity?

Are you looking for clarity? Knowing your wealth and financial plans are in order and arranged in line with your personal goals can give you valuable peace of mind. People choose clarity as their financial