1. Wealth Management for Entrepreneurs
THAT STARTS WITH YOU
Plan Better. Invest Better. Live Better.
C lear Thinking Discovery
L ifestyle Financial Planning
E vidence Based Investing
A llowance & Tax Planning
R isk Management
E state Planning
R eview

2. Wilcocks & Wilcocks: Testimonial
“I would recommend Martin and his team at Wilcocks. The manner in which they
supported​​a recent investment made by their client into our business gave rise to
a number of complexities during the process which were calmly and professionally
managed by Martin’s team, and they ensured that the timing of the investment
proceeded to plan. Their approach combined a very positive blend of profession-
alism and personal engagement, and they demonstrated to me the breadth of their
many years of experience in handling wealth management and investments”
Martyn Best
CEO
Document Direct Limited
Martyn Best Jon Taylor
“I have been concerned for some time that my pension fund might not be
sufficient to achieve the results I expect and in recent times I have noticed a
decrease in my total investment. On looking for prospectively improved solutions
I discovered an investment opportunity in a rapidly growing local business. I
discussed opportunities with the owner of the business and needed a way to take
money from my existing plans to invest into this opportunity. I was referred to
Martin Wilcocks who helped me to understand my option for releasing my
investments with current providers and consolidating them into this more ex-
citing opportunity. The process took some time but now I can see my investment
growing and have regular reviews to ensure optimal growth of the funds. I
would be happy to recommend Martin to anyone looking for investment
solutions.”
Jon Taylor
Business Analyst
Brabners LLP
Martin Wilcocks

3. Wilcocks & Wilcocks: About Us
What We Do
CLEARER is a 7 step Wealth Management Program designed to make our Clients
financially bulletproof.
Who It’s For
Our Niche is Entrepreneurs with one eye on a sale or their retirement, who have lost track
on what their investments and pensions are worth, the charges they are paying, where
their money is invested, and what returns they are getting. They are also typically in the
dark as to how it’s all going to play out in retirement, the financial risks that are present
in their private and professional lives, and how it’s all going to pass to their beneficiaries
safely and tax efficiently.
How We Help
Solving all of the big financial issues for you as a busy Entrepreneur, using our CLEARER
program, helping you to plan, invest and live better. We understand that your personal
and professional lives are often intertwined, so we deliver a comprehensive range of
services and support, alongside a cohesive strategy that incorporates all aspects of your
life. We listen carefully to understand your aspirations, objectives and what’s really
important to you. We listen first, plan second and then we implement. We are there for
you every step of the way to ensure you stay on course.
We Are Different
Most financial advisers and wealth managers tend to focus on financial products,
particularly investments. We take care of all that but our main initial focus is on you, and
in linking your goals and values with your money. On the money piece, we deploy clever
portfolio design, clever diversification, and clever management of costs, with science and
evidence-based Investing that will enhance your wealth. And with investments that work,
and without taking excessive risk, you can spend more time on with the things that matter
most in your life. We take away the hassle of wealth management, keeping you informed
and in control.
Featured in:
The Sunday Telegraph, March 2015
The Mail on Sunday, September 2015
The Sunday Times, April 2016
We set the business up so we could be impartial. We wanted to be different and
deliver value; to love the work we do. Our goal is to build a family business to be
proud of. Brothers & Founders of W&W Martin and Robert Wilcocks were both
voted as Top 250 UK Advisers (Vouched For, 2016).
Martin J. Wilcocks DipFA AIPW Robert P. Wilcocks DipFA CFP
5 4.6
Values
Integrity - We believe the reputation of our family name is of utmost importance, which
is why we named the business Wilcocks & Wilcocks
Trust - Our client’s financial security and needs come first. Always.
Dedication - We built our business out of the worst recession in 100 years, and survived.
We have proved we are hardworking and committed
Innovation - We are setting new standards in how Entrepreneurs plan ahead and invest,
and in how we link their finances to their life goals.
Passion - Life’s not a rehearsal. We get one shot at an enjoyable, fulfilling life, so we are
always engaged, enthusiastic and energetic.

4. Wilcocks & Wilcocks: About Us (continued)
Working With Other Advisers
If you already have other professional advisers in place, it is essential that your financial
adviser is able to fit in and work with them effectively. We have a great deal of experience
working with other professional advisers including accountants, lawyers, and corporate
financiers. We have references from such professionals backing this up.
The Wilcocks Professional Network
If you do ever need another trusted professional to deal with a specific issue, we have an
extensive and trusted network of contacts we can connect you to. Members of our
professional network have complementary skills and expertise. With our guidance, they
will work together seamlessly to manage all aspects of your finances.
Specialist Services
Including corporate finance, retirement planning, pensions and property. Where
appropriate, we can help you to tap into the tax benefits associated with your pension to
purchase business premises and factories. By using your pension, you can reduce your
funding costs by as much as 40%. We will guide you through the pensions framework,
keeping it clear and simple at all times.
How Much is Enough?
It would be nice to know how much is needed for you to retire, semi-retire or simply
achieve financial independence from your business. You may have an idea yourself but
would like an expert to confirm if you are on the right track and to ensure you haven’t
missed anything. We do these calculations for you and we can also deliver smart strat-
egies that may bring that date forward. We can provide exit or funding options that you
hadn’t known were available and assist family members or other internal
successors to complete a management buy-out (if that is your wish).

5. Wilcocks & Wilcocks: Testimonial
“ Martin protected the ownership position within our business, by ensuring if the worst
was to happen, our shareholdings pass back to the company, with equal value going to our
beneficiaries via a business trust. He has also protected our profits, such that the company
is compensated if either one of us as the key shareholding directors pass away or suffer a
life-threatening illness. It’s actually enhanced the value of the company in general terms
too and enhanced our sale potential ”
Graham Withe
Managing Director
Webtise Ltd
Graham Withe Justin Young

6. Wilcocks & Wilcocks
Professional Network
Funding &
Finance
Tax
Planning
Legal
Services
Accounting
Services
Business
Consulting
Human
Resources
Professional
Network
Corporate
Finance
Specialist Services
Business Premises
Acquisition
Asset
Finance
Commercial
Insurance
Secured &
Unsecured Loans
Initial Public
Offering
Commercial
Mortgages
Specialist
Services
BizEquity does not represent or endorse the accuracy or reliability of any advice, opinion, statement or any other information displayed or distributed through this report or its website. The estimates and
data contained herein are made using the information you provide, publicly available information and data, and rules of thumb for different industries. BizEquity has not audited or attempted to confirm this
information for accuracy or completeness. This report should not be used to obtain credit or for any other commercial purposes. This report is the intellectual property of BizEquity and the information provided
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policy of BizEquity.
Page 25
LEVEL 1 LEVEL 2 LEVEL 3 LEVEL 4
Value Map
Our goal is to help entrepreneurs “climb the valuation
mountain” illustrated above to the highest level possible by
internalizing certain key valuation and operational concepts
associated with discovering, monitoring and optimizing
business value. Every business will go through stages of
development and hopefully growth, and we want to be a
driver of this process. Once the basics of business valuation
are understood, the path towards enhancing value will
become clearer and more “real” in the eyes of the owner.
Businesses of all types and sizes get business valuations because they are interested in discovering what their most valuable
asset is worth. Taking this first step is a critical one, but only the first. Having “discovered” the business value, the next steps
towards proactively managing value involve monitoring and optimizing the value of your company.
One central theme that is as simple as it is important
concerns the so-called “size effect” or “size premium”. It is
an empirical fact that companies with higher revenues and
earnings are worth more than their smaller counterparts.
Achieving “exponential” value growth is possible due to the
dual impact of higher earnings, e.g. higher earnings will
directly increase value at any multiple – AND higher earnings
will alone lead to a higher valuation multiple.
Exponential Business Value
1X
< 500K 500K- 2MM 2MM- 10MM 10MM+
3X 5X 10X
£ £ £ £ £ £
04/04/16 Powered by BizEquity
Business
Valuation

7. Wilcocks & Wilcocks: Testimonial
“A refreshing change, Rob is someone who knows what he is doing, and is in it for the
long haul. He has helped with pensions, insurance, and also some strategic advice which
helped grow our business overseas and reduce costs - I would highly recommend him”
Ross Baigent
CEO
Cataclean Global
Graham Fraser Ross Baigent

8. Our Journey Together: CLEARER®
Strategy
Stage 1 – Clear Thinking Discovery
• The purpose of the Discovery session is to help you decide if we are the right adviser for you.
• We will ask you about your goals, ideal lifestyle, concerns, values and ambitions both personally and for your business.
• This includes the E, V and O of our EVOKE process. We Explore, create your Vision, and work together to overcome any Obstacles blocking you. To help
we have some structured exercises such as the ‘3 Questions’, ‘Hearts Core Grid’, and ‘LifePlanner’.
• We will audit your existing financial situation by looking at your business, personal details, family, income, expenditure, savings, investments, pensions,
personal insurance and employee benefits.
Stage 2 –Lifestyle Financial Planning
• We will identify your ‘Number’- the amount of money you need to achieve and maintain your ideal lifestyle.
• We will prepare financial statements such as Income & Expenditure, Net Worth, and Cash Flow, to bring clarity and organisation to your finances.
We will also look at current levels of investment risk and tax within your plan and consider in conjunction with what we learnt from Discovery.
• We will model different ‘what if’ scenarios to bring to life the information gained from the life planning exercises and your personal audit.
• Our strategic advice and recommendations will be impartial and based on your particular situation, and documented in a CLEARER report. You will not
be obligated to implement any of our recommendations.
A complete inventory of
what matters to you, in
priority order, with a
complete vision on what
a fulfilling life looks like
to you, & a strategy to
overcome possible road-
blocks, delivering clarity,
purpose and energy.
Typical Outcome
Know & understand
your Number.
Become financially well
organised, with clear,
prioritised goals.
Typical Outcome
We understand your personal and professional lives are often intertwined, so we deliver a cohesive strategy that
incorporates all aspects of your life. Our CLEARER® service is tailored to your specific needs and it works like this;
“ You expect your financial planner to be impartial, completely transparent and objective when it
comes to helping you to decide what to do. We hope we can earn the right to work with you
as your trusted adviser for many years to come.”

9. Implementation
Stage 3 - Evidence Based Investing
• We will explain how markets, work, the difference between speculating and investing, and how we use science and evidence to capture returns.
• We will explain the behaviours required for successful investing and perform a psychometric test to anticipate your risk tolerance.
• We will consider the results relative to your plan, goals, and capacity to take risk before designing your asset allocation & portfolio construction.
• We will advise the most suitable products to hold your EBI portfolio, including pension, SIPP, ISA, GIA, Trusts, and % on/offshore Investment Bonds.
Stage 4 - Allowance Planning
• We will look at the level of income tax you are paying and explore ways to reduce this.
• We will analyse your capital gains position and look for ways to minimise and offset any tax.
• We will analyse all tax allowances available to you, as well as any tax-favoured investments such as EIS and VCT.
• If you own a business we will explore methods of reducing corporation tax and extracting profits and dividends tax efficiently.
Stage 5 - Risk Management
• We will consider catastrophic scenarios such as death or illness, and how this could affect your financial plan, including how these ‘what-if’s’ may affect
your family’s current and future lifestyle.
• We will consider how the same scenarios would affect your company shareholder ownership and business profitability, alongside issues that may arise
for your fellow shareholders & families.
• Lasting Powers of Attorney ensure people you trust can handle your health, well-being, property and financial affairs should you be involved in a serious
accident or suffer an illness that prevents you from acting for yourself.
• If you have business or personal insurance needs we will advise on levels of cover and a suitable provider including shareholder protection, key person
insurance and personal life; whole of life, critical illness, private medical and income protection insurance.
Stage 6 - Estate Planning
• We will ensure your Will & Powers of Attorney are up to date and in line with how you wish to manage and pass on your estate. If you have minor
children we will nominate guardians to ensure they are cared for by people chosen by you if the worst was to happen.
• We will explore the suitability of various Lifetime and Will Trusts to protect your personal and business assets for future generations.
• We will discuss gifting and philanthropy and if necessary build a ‘Spending and Gifting Program’ to pass on wealth in a controlled, tax efficient manner.
• We will analyse the level of inheritance tax that could become due on your estate and identify and discuss various options for mitigating this tax.
Our Journey Together (continued)
Maximise pension, ISA
and CGT allowances
and get back £20K on
every £100K of
Corporation Tax paid.
Typical Outcome
Peace of mind about
investing, a portfolio
linked to your goal(s)
and c.£15kp.a. on every
£1M invested.
Typical Outcome
Protect shareholder
value, businesses’
profits and maintain
the lifestyle of
shareholders’ families.
Typical Outcome
Pass wealth to
children /
beneficiaries
safely and tax
efficiently.
Typical Outcome

10. Stage 7 - Review -
• Our service is designed to last a lifetime. Our on-going relationship will continue for as long as you feel you are receiving value from us.
• We will update your plan to reflect any changes in your objectives and circumstances.
• We will account for legislation, taxation and economic conditions so that you stay on course.
• We realise that sometimes members of your family face challenges, which you would like to help them through. We can discuss your options for any
broader family issues as they arise, which could include:
• Care home funding & asset protection - (property, savings and investments).
• Paying for children or grandchildren’s Education.
• Help with property purchase or downsizing.
• Debt repayment or capital raising for Children
Over the years typical annual reviews with Financial Advisers were just really about a cup of coffee and catching up on how the family were. Not anymore. Our
review process in a serious business where we record hard facts and data about how we have performed over the past 12 months. This is what it looks like;
Our Journey Together (continued)
Remain focused on
your plan, on track
with goals, and avoid
emotional mistakes
related to wealth.
Typical Outcome
Portfolio Valuation - 30 June 2005Mr Client: £37,862.14Mrs Client: £323,807.99
Profile’s Investment Management Added ValueInvestment return compared to market
average:
Asset Allocation
UNCOVER YOUR BUSINESS POTENTIAL Day Four
Income & Growth
Market value as at 18/07/04 = £375,109.73
Market value as at 30/06/05 = £361,670.13
% Return this year = - 4.56%
% Return life of Investment = + 6.57%
This year + 3% ▲ ( £11,250 better off)
Life of investment + 4.2% ▲
Profile Partner Service Scorecard
A/Shares
34.55%
I/Shares
24.99%
F/Int
24.99%
Prop sec9.34%
Cash
3.21% Dir Prop
2.01%
Core Services Provided
• Review of financial objectives (all on-track OR modications made during year)
• Re-balance of asset allocation (within allowable parameters)
• New Pension strategy facilitating move to retirement
• 2 Review meetings held during year
Profile Value Added Services - year to date:• Pension Strategy - £3,100 tax saving annually • Compensation due to processing delays - £150
• Error on Prudential statement - £628
• Client Education Seminar - Aug ‘04
• Boardroom luncheon - 7IM
• Jupiter Hedg
“ When I saw the actual
value that Martin and Rob
had added over the year it
really reminded me how
important they are to me”
Mary Elson
Mary Elson

11. Wilcocks & Wilcocks: Testimonial
“We weren’t working towards any personal financial targets as we were just so busy in
our day to day business. Martin worked with us to develop a financial plan, that showed
us what we needed to do to today, in order to achieve and keep the life we want in the
future for us an our families. He has given us total clarity over our future.”
Jonathan McHale & Jeffrey Arnold
Directors
Tag Scaffolding Ltd
Jonathan McHale Jeffrey Arnold

12. Transactional Services
Financial Services From To
Financial review and strategic plan £3000 uncapped
Personal pension review & analysis £1250 uncapped
Company pension review & analysis £3000 uncapped
Annuity advice and implementation £1250 uncapped
Income drawdown advice £1250 uncapped
Protection advice and implementation £1250 uncapped
Pension Transfers £1250 uncapped
Estate Planning Services Single Mirror
Wills £295 £395
Lasting Power of Attorney – P&F £475 £575
Lasting Power of Attorney – H&W £475 £575
Lasting Power of Attorney -­Package £775 £975
Lasting Power of Attorney – Register £390 £490
Right of Residence Trust £675 £775
Life Interest Trust £775 £875
Discretionary Trust £875 £975
Disabled Persons Discretionary Trust £975 £975
Business Property Relief Trust £975 £1295
Nil Rate Band Discretionary Trust £975 £1295
Right of Residence Will Trust £975 £1295
Pilot Trust £1975 £2975
Spousal Bypass Trust £2975 £4975
Asset Protection Trust £4975 £5975
Advance Decision (Living Will) £275 £375
Parental Responsibility Agreement £975 £975
Severance of Joint Tenancy £975 £975
Transfer of Ownership £325 £325
Declaration of Trust £325 £1975
Will Codicil £125 £225
Draft Letter of Wishes £125 £225
Document Storage £100 £125
Hourly Rates From To
Directors £325 Fixed
Chartered / Certified Wealth Managers £275 Fixed
Paraplanners £125 Fixed
Administrators £60 Fixed
Our Fees (continued)
Wealth Management
Client Journey – CLEARER®
C lear Thinking Discovery
L ifestyle Financial Planning
E vidence Based Investing
A llowance Planning
R isk Management
E state Planning
R eview Annually
Additional Private Client Services Included
The Concierge Service
Removing The Complexity & Hassle from Your Financial Life
The Property Sourcing Service
Using Our Network to Find You The Right Property The Easy Way
The Capital Raising Service
Debt Funding & Raising Equity via Alternative Investment Market (AIM)
Unlimited Face to Face, Telephone & Email Access
Phone Calls & Emails Returned Within 12 Hours
The Professionals Service
Providing Strategic Updates to Your Accountant & Other Advisers
Supplying End of Year Taxation Information (As Required)
Recommending Suitable Professionals as Other Needs Arise
Ensuring Your Wider Team Provides Coordinated Professional Advice
Second Opinion Service
Considering New Ideas from Whatever Source They Originate
Fees
Fees will be fixed based on size, complexity & value factors.
Example Ongoing Advice Fee:
If your net worth is £5Million our fee may be 1% or £50,000 per annum.
If your net worth is £5Million and you require extended wealth
management services that also support additional family members our
fee may be £75,000 per annum.
Fees can be taken from your portfolio or invoiced to
you separately.
Investment Management
Implementation of Evidence Based Investment
Portfolio
Needs Assessment
Existing Portfolio Review
Psychometric Risk Profiling
Asset Allocation Modelling
Portfolio Construction
Turnkey Asset Management Program
Fees
Fees will be fixed based on size, complexity & value factors.
Example Fee (Cash / Liquid)
If investing £500,000 an initial fee might be 1% or £5,000.
Example Fee (Transfers of Existing Assets)
If investing £500,000 via several transfers an initial fee might be
2% or £10,000.
Fees can be taken from your portfolio or invoiced to you
separately.
Ongoing Management of Evidence Based Portfolio
Ongoing Investment Management
Online Access to Custodian Platform & Valuations
Rebalancing (systemised ‘buying low, selling high’)
Annual Portfolio Reports
Fees
Fees start from 1% of assets under management. Minimum
monthly fee £125
Example Ongoing Advice Fee:
If managing £250,000 our ongoing fee might be 1% or £2,500
per annum.
Fees can be taken from your portfolio or invoiced to you
separately.
Our fees are always based on three factors. 1) Value; 2) Complexity; 3) Size. Our fees also cover the regulatory costs of providing advice, specifically FCA fees; independent compliance;
Financial Services Compensation Scheme (FSCS) levy; and Professional Indemnity (PI) Insurance, which all help to guarantee and underpin regulated advice.

13. Wilcocks & Wilcocks: Testimonial
“ We left it and left it and eventually followed our Accountants advice and went in to
see Martin. I can’t tell you how good it feels to have done so. Over the last year we have
worked out what we need to put aside from the company to build our future retirement
pots, reduced the company corporation tax, and our personal tax bills, organised our
pensions, and arranged wills with our wives that include a business trust to eventually
pass everything on safely and tax efficiently to our families. Working with Martin has
been a breath of fresh air and we would recommend him to any other business owner who
want these things taken care of but like us just didn’t have the time to sort it out”
Adam Mullin & Collin Doran
Managing Partners
Solutions in Service Ltd
Collin Doran Adam Mullin

14. 0845 200 4041
info@wilcocksandwilcocks.co.uk
www.wilcocksandwilcocks.co.uk
Liverpool Office
8 Water Street
Liverpool
L2 8TD
London Office
1 Fore Street (WeWork serviced office)
London
EC2Y 5EJ
Our Guarantee
We are passionate about providing value for our
clients. If a client believes that we have offered no
value, we will provide a full refund of fees charged
- no questions asked.
Past performance is not a guide to future performance. The value of investments, and any income from them, can fall as well as rise and investors may not get back
the amount invested.​This information does not in any way constitute investment advice. W&W is authorised and regulated by the FCA, firm reference 501064.
“I have confidence in both your ability as advisers,
and in the advice you provide. I have no hesitation in
introducing clients to Martin & Rob.”
Fergal O’Cleirigh
Partner & Head of Commercial, Bermans Solicitors
“Martin and Rob are both fantastic advisers, I’ve
known them for over 15 years. They look after my
entire financial position, including my estate,
retirement and investment plans and do a great job.”
Frank Brennan
Director, Safety Lane Ltd
“I contacted Martin, having met a number of other
financial advisers, with the intention of finding
somebody I knew I could trust to refer our clients to.
He has now added value in many ways for my clients
and the service has been excellent.”
Paul White
Managing Director, APH Accountants
“I have to say I found Martin to be highly
professional, knowledgeable and capable.”
Dr Richard Azurdia
Consultant & Head of Dermatology, Liverpool NHS
“ I suggest Martin’s service to other business people
I know all the time. He is always thinking of my
needs and what I want to achieve. He focuses on what
things could be if that makes sense. It rubs off on me
very well and he encourages me to think big”
James Quilty
Director, Kelsall Service Station Ltd
“ Martin is the consummate professional who always
puts his clients needs first. He has helped us plan a
number of significant UK and offshore projects on
behalf of myself and my business partner Joe
Dwek CBE”
Roy Kenny
Director, Verum Victum Healthcare Ltd