eBrochure

2. We’re individual.
Like you.
Alan Smith Chief Executive

3. A fresh approach to “Our role is to do what our clients would
do for themselves, if only they had the time,
Not knowing whether you’re doing the right
things to protect your interests, and
financial management. the inclination or the expertise. those of your family, is perfectly natural.
We are all sometimes unsure and concerned,
We’d seen and experienced the antiquated and spending some time with a trusted ally
systems and poor service culture of the private can be time well spent.
“ When we opened our doors banking and traditional IFA sector, and decided
that we wanted to be different. That’s where we come in.
for business in 2005, my
Completely different.
primary aim was to build a Chances are we are alike – we have similar
thoughts and that is why we have created a
financial planning company Our vision was to offer the personal service business which aims to provide you with the
that I would want to be of a boutique business, enabling us to build a answers to all of your questions – and perhaps
lifetime relationship with our clients. even a few that you haven’t thought of yet.
a client of. ”
It was also important to me that we I hope that you’ll take the time to come in
helped our clients focus on the future, and speak to my team and I. We’ll listen to
and to understand how to plan for it. So our your questions, and together we’ll find the
advice covers all the rational elements of answers and a way to help you plan for a
managing money, as well as the emotional. more certain future.”
If you’re like me, you’ll probably get a good Alan Smith
feeling when you know everything’s taken Chief Executive
care of, everything in place. In fact, it’s a
great feeling.
Unfortunately, you’ll probably also know how
it feels when that isn’t the case, when you’re
a little unsure about how things will work out.
Capital Asset Management 3

4. Like you, we want We don’t think so. Once we have fully understood the issues
that are important to you and your family,
simple answers
Our clients all have unique circumstances and we’ll help you answer the important questions
come from diverse backgrounds. However, they about your future in a way that’s transparent,
do all have one thing in common: they want to actionable and focused on positive outcomes
gain clarity around their financial future. for you.
to complex
We’re experts at helping people identify what
type of future they hope for, and how best to
achieve it. And to do this, we use one of the
questions. Is that
most effective, but often overlooked financial
planning methods available: we listen.
We listen to the many questions that our
clients ask:
too much to ask? ?
?
Can I afford to retire? If so, when?
Will I run out of money?
? Can we afford to buy that property abroad we’ve always dreamed of?
? Will we have enough money to put our children through private education or university?
? Can we afford to help our children or grandchildren get onto the property ladder?
? Will we need to down-size and move to a smaller house?
? Can we afford long-term care for our Mum and Dad?
? Can I reduce my tax bill – and what about inheritance tax?
? Can I get my finances in order?
? Who can I trust to guide me through these complicated issues?
? Can I find a trusted mentor or financial coach whose interests are aligned to my own?
4 Capital Asset Management

5. CASE STUDY
Planning “As Managing Director in a major city
investment bank, at the age of 38 I felt fairly
Although I was too busy to actually lose
much sleep, I knew I needed to find a trusted
for a brighter
pleased with the progress I had made. ally who could help me. So, for the first time
The salary and bonuses have been very healthy ever I decided to seek out some high-quality
over the years, and meant that my wife Sarah impartial advice on my own finances.
can stay at home to look after our two young
Working in the city I was very cynical about
family future.
children, who go to a nearby private school.
financial advisers, but my father had been
I guess the financial crisis led me to using the team at Capital Asset Management
re-appraise my career and lifestyle – the work and suggested I try them too.
Nick and Sarah.
hours were getting even longer and I was
missing a lot of time with the kids. I had Sarah and I met with one of their advisers,
an idea for a start up business, but it would Nicola. After a comprehensive, and extremely
mean a big pay cut…at least in the early years. helpful, independent overview of our
financial affairs using their FutureMap™
I had a long list of things that worried me – system, we modelled a number of different
I called them the ‘3am issues’! scenarios – everything from my work to
relocating, downsizing our property, even
»
What is the best way to manage my share moving abroad – and together developed
options that will vest over the next few years, a lifestyle plan.
and mitigate taxation?
She considered all the ‘what ifs’, helping me
»
How should I save some of the significant
reduce my forthcoming tax bill significantly
excess income after all our monthly bills
in the process!
are paid, and what are the costs?
» confused by much of the information
I’m We now have a plan for the first time, and
I keep receiving about my firm’s pension feel much more in control of our financial life.
scheme. Really I need it explained to me. We meet up with Nicola regularly to update
the plan and make sure we remain on track
»
Would Sarah and the kids be ok financially
to achieve our goals.”
if the worst happened and if I became
seriously ill - or even died?
» would like to put some funds aside to help
I
my kids on the property ladder when they are
older, but what’s the best way to do this?
A friend says he has set up a trust – should
More quality time with family
we do this?
Capital Asset Management 5

6. You’ve been
thinking.
So have we.

7. There’s no better time to think about FutureMap™, our own sophisticated planning
your future than now. tool, provides a unique, step-by-step guide to
plan exactly what you need to do to ensure
We know, because our business is dedicated the brightest of futures – and meet your
to the future. Our clients trust us to help them personal, professional and lifestyle goals.
to plan and manage their wealth in a way
that maximises and realises its potential And, our track record speaks volumes.
National recognition, prestigious industry
Our advanced financial planning process awards, satisfied client testimonials and
enables our clients to see and plan for the the highest ‘Investor in Customers’ ratings,
life they intend to lead. Our investment means that we’re as focused on our client’s
process is rigorous, efficient and based on future as they are.
proven academic, Nobel Prize winning theory.
We can provide you Our dedicated client online portfolio management service – www.mywrapaccount.co.uk
with the clarity, vision Product Wrapper
Investment Assets
% Value Location*
and sense of freedom
Wrap cash 35.47% 203,780.35 Wrap
Personal Portfolio 18.62% 106,956.90 Wrap
SIPP 20.78% 119,401.69 Wrap
ISA Stocks Shares 3.30% 18,933.79 Wrap
you are looking for.
ISA Cash 0.00% 0.00 Wrap
Onshore Bond 8.24% 47,360.92 Wrap
Offshore Bond 13.59% 78,065.73 Wrap
Retirement
450% £300,000
LifeStyle Index
350% LifeStyle Spending
LifeStyle Income
£150,000
250% Planned
In Today’s Terms -
After Inflation
100%
Financial
Independence
£50,000
47 Age 85
Capital Asset Management 7

8. CASE STUDY
Our big questions “After 30 years building my career, commuting
to the City and travelling a great deal
While it was good to see our concerns down
on paper, we still didn’t know how to go about
answered.
on business, I’d managed to accumulate dealing with them in the best way. Then a
an assortment of pensions, policies and colleague in the office recommended I speak
investments scattered all over the place. with the team at Capital Asset Management.
With the demands of my job, as well as I met with Charles and he explained their
John and Maggie.
family life and the occasional game of golf planning process. It was different to what I had
at the weekend, I never seemed to have any imagined financial advice to be like. There were
time to review or organise my finances in a no discussions about pensions or investment
meaningful way. And I was worried about policies, but rather we discussed the things
making mistakes with our savings. that mattered most to me and my family.
Pensions seemed extremely complex, I had no He also introduced me to their FutureMap™
real idea how much risk I was taking with my service, which really brought my financial
investments, and I was concerned that I was situation to life. A computer simulation even
paying too much tax. I also realised that my helped me visualise our future in different
hectic schedule wasn’t likely to slow down any scenarios. Wow! That was very empowering.
time soon!
The analysis showed that I could afford to
After my 50th birthday, Maggie suggested retire by 58, earlier if I did some paid consulting
now was an ideal time to get to grips with our work for a few years. We could buy the holiday
finances. Over a bottle of wine, we sat down home in a couple of years, and would plan
and drew up a list of issues that need tackling. to downsize our main house when the kids
Things like: left home.
»
Could we afford the holiday home in France Charles built the strategy, developed a cohesive
we’d always talked about? investment approach aligned with our goals,
and considered all the ‘what ifs?’ An added
»
What’s the best way to help our eldest son
bonus was that he was able to reduce our
through university?
portfolio management costs significantly.
»
How should we manage our share portfolio
to get the most from it? Now we meet up regularly to update the plan
and ensure that we keep on track. It’s a great
»
What would be the cost of long-term care for sense of relief knowing that I have someone
my mother? I trust looking after my affairs.”
»
And the big one! When would I be able to
retire, and could we afford to do all the things
Helping to make the future clearer we’d like to do in retirement?
8 Capital Asset Management

9. Certainty.
In less than
certain times.
Our exclusive client base are all high achievers with
significant levels of income or net worth. They include
senior executives, partners in professional firms and
business owners, as well as those who are retired.
Our aim is to deliver confidence, clarity, certainty
and a sense of structure for all of our clients.
To achieve this, we take a long-term view.
The long-term nature of our relationships is key.
It takes time to get to know you, to gain a true
understanding of your personal situation and
the financial plans and structures you already
have in place. Once we have this knowledge,
we can then help you plan for a reassuring
life of financial independence.

10. Isn’t it time
for a change?

11. We think so. We work in more personal and more
intelligent ways than other wealth
Fees and remuneration
And so do
The vast majority of financial advisers in
management consultancies and the UK work within a commission-based
traditional IFAs. model. This means that in order for them
to be remunerated in relation to the advice
Our chartered and certified financial planners
our clients.
offered, they must sell a plan or policy to
are hand-picked for their knowledge, a client. In other words, their income is entirely
experience and distinctive qualifications. conditional on making a sale of a financial
They’re people who are discreet, easy to get product. In our experience a new product is
on with and who speak your language. And not always the solution and perhaps simply
they give sound, rounded advice, based on real paying down some debt or restructuring an
personal insight and professional expertise. existing arrangement is more appropriate.
We encourage a culture of creativity and In our opinion, therefore, the standard
different ways of thinking, so that the most commission model creates a conflict and
complex issues are resolved in the most simply does not work. We have therefore
beneficial and efficient ways. created a clear and simple approach that
ensures the integrity of our advice and delivers
All our expert advice is impartial, objective significant value to clients who work with us.
and geared to what’s right for you, because For full details of our fee structure, please refer
unlike most financial advisers, we don’t take to our document ‘What do I get for my money?’
commission for selling products, plans or or request a fee schedule.
policies. Our remuneration is based on
charging fees for the work we do, so you
can always be assured that we’re acting
in your best interests, not ours.
Capital Asset Management 11

12. We think
working with us
should be easy.
We aim to make working together as easy as
possible. However, it’s also important that you fully
understand our process, and how we do things.
This simple flow chart demonstrates our approach.
1. Initial Consultation
A chance to meet up and
discuss the issues important
to you and establish if our
services are right for you.
6. Regular progress
Meetings 2. Discovery Meeting
Review progress towards goals, Discover your values and
update your plan, consider goals as well as risks and
any potential changes. your concerns.
3. Wealth
Management Plan
5. Induction Meeting presentation
Summarise work done,
Presentation of your
provide formal
strategic plan, including
documentation, agree date
your personal FutureMap™
for first review meeting.
strategy and our
recommendations.
4. Mutual
Commitment Meeting
Answer any outstanding
questions, confirm
commitment, complete
paperwork.

13. CASE STUDY
We only worry
“As well as having three grown children, Unusually, he started by asking us about
numerous grandchildren and friends all the things that were most important to us.
around the world, we decided to spend the Then he used the Capital Asset Management
about what
winter months at our second home in Florida. FutureMap™ process to allow us to clearly
It’s fair to say our retirement is fairly hectic! visualise our entire financial future.
Over the years Lynn and I had built up a Not only was this very illuminating, but it
really matters.
small property portfolio and managed to helped him explain that we had been taking
accumulate various investments. But because too much risk. Now he’s restructured our
we love travelling and keeping active, we investment portfolio so we have a much
needed someone we could trust to take care of smoother time of it. An added bonus was that
Michael and Lynn.
everything whilst we got on with enjoying life. he also saved us enough in management fees
alone to fund a luxury cruise – every year!
We did have a stockbroker managing our
investments, but the fees were rather steep, We’re grateful to have a trusted adviser
the performance pretty volatile, and they looking after our affairs, so we can focus
didn’t seem able to look at the ‘bigger picture’ on the things we really value.”
of our entire financial lives.
Then a good friend suggested we get in touch
with the team at Capital Asset Management.
At the first meeting, Graham explained their
Wealth Management Programme and outlined
how he would be able to act as our trusted
adviser, proactively keeping us in the loop with
regular updates and review meetings.
Time to fulfill a lifelong dream.
Capital Asset Management 13

14. We recognise
your life, not just Social Capital
your capital.
Wealth isn’t just financial; where
you live, work and belong also
shape how ‘rich’ your life is.
Economic and Financial Capital Human Capital
Your traditional wealth – You family, friends, job, interests
income, savings, investments, and lifestyle all add up to deliver
Work with us and you’ll experience a
and even debts. some of the biggest rewards.
refreshingly different approach to financial
planning. At Capital Asset Management we
understand that your capital cannot solely
be measured in pounds and pence. In fact,
life is so much richer than simply money.
Of course, the financial aspects are important,
but we take a complete view of all aspects
of your life, understand what’s important
to you and your family, and then work hard
to help you achieve the sense of freedom,
independence and clarity you’ve
been looking for.
Natural Capital Built Capital
Our advice will take into account Energy, nature and the environment The part of your wealth
all aspects of life’s capital: around you, are all important tied up in buildings, land
components of your ‘life’s capital’. and infrastructure.
14 Capital Asset Management

15. Planning tomorrow today.

16. To arrange an initial consultation,
please contact our office:
Call 020 7398 6600
Email info@camfinancial.co.uk
Capital Asset Management Plc
52 Cornhill, London, EC3V 3PD
www.camfinancial.co.uk
www.mywrapaccount.co.uk
Authorised and Regulated by the Financial Services Authority. Registered in England No. 04695777.