Capital Asset Management Ebrochure

Alan Smith Chief Executive

We’re individual. Like you.

“Our role is to do what our clients would do for themselves, if only they had the time, the inclination or the expertise.

We’d seen and experienced the antiquated systems and poor service culture of the private banking and traditional IFA sector, and decided that we wanted to be different.

Completely different.

Our vision was to offer the personal service of a boutique business, enabling us to build a lifetime relationship with our clients.

It was also important to me that we helped our clients focus on the future, and to understand how to plan for it. So our advice covers all the rational elements of managing money, as well as the emotional.

If you’re like me, you’ll probably get a good feeling when you know everything’s taken 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.

Not knowing whether you’re doing the right things to protect your interests, and those of your family, is perfectly natural. We are all sometimes unsure and concerned, and spending some time with a trusted ally can be time well spent.

That’s where we come in.

Chances are we are alike – we have similar thoughts and that is why we have created a business which aims to provide you with the answers to all of your questions – and perhaps even a few that you haven’t thought of yet.

I hope that you’ll take the time to come in and speak to my team and I. We’ll listen to your questions, and together we’ll find the answers and a way to help you plan for a more certain future.”

Alan SmithChIeF exeCUtIve

3Capital Asset Management

“ When we opened our doors for business in 2005, my primary aim was to build a financial planning company that I would want to be a client of. ”

A fresh approach to financial management.

We don’t think so. Our clients all have unique circumstances and come from diverse backgrounds. however, they do all have one thing in common: they want to gain clarity around their financial future.

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 most effective, but often overlooked financial planning methods available: we listen.

We listen to the many questions that our clients ask:

Once we have fully understood the issues that are important to you and your family, we’ll help you answer the important questions about your future in a way that’s transparent, actionable and focused on positive outcomes for you.

Like you, we want simple answers to complex questions. Is that too much to ask?

4 Capital Asset Management

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?

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Planning for a brighter family future. Nick and Sarah.

“As Managing Director in a major city investment bank, at the age of 38 I felt fairly pleased with the progress I had made. the salary and bonuses have been very healthy over the years, and meant that my wife Sarah can stay at home to look after our two young children, who go to a nearby private school.

I guess the financial crisis led me to re-appraise my career and lifestyle – the work hours were getting even longer and I was missing a lot of time with the kids. I had an idea for a start up business, but it would mean a big pay cut…at least in the early years.

I had a long list of things that worried me – I called them the ‘3am issues’!

» What is the best way to manage my share options that will vest over the next few years, and mitigate taxation?

» How should I save some of the significant excess income after all our monthly bills are paid, and what are the costs?

» I’m confused by much of the information I keep receiving about my firm’s pension scheme. Really I need it explained to me.

» Would Sarah and the kids be ok financially if the worst happened and if I became seriously ill - or even died?

» I would like to put some funds aside to help 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 we do this?

Although I was too busy to actually lose much sleep, I knew I needed to find a trusted ally who could help me. So, for the first time ever I decided to seek out some high-quality impartial advice on my own finances.

Working in the city I was very cynical about financial advisers, but my father had been using the team at Capital Asset Management and suggested I try them too.

Sarah and I met with one of their advisers, Nicola. After a comprehensive, and extremely helpful, independent overview of our financial affairs using their FutureMap™ system, we modelled a number of different scenarios – everything from my work to relocating, downsizing our property, even moving abroad – and together developed a lifestyle plan.

She considered all the ‘what ifs’, helping me reduce my forthcoming tax bill significantly in the process!

We now have a plan for the first time, and feel much more in control of our financial life. We meet up with Nicola regularly to update the plan and make sure we remain on track to achieve our goals.”


More quality time with family

CASE STUDY

You’ve been thinking.So have we.

You’ve been thinking.So have we.

There’s no better time to think about your future than now.

We know, because our business is dedicated to the future. Our clients trust us to help them to plan and manage their wealth in a way that maximises and realises its potential

Our advanced financial planning process enables our clients to see and plan for the life they intend to lead. Our investment process is rigorous, efficient and based on proven academic, Nobel Prize winning theory.

FutureMap™, our own sophisticated planning tool, provides a unique, step-by-step guide to plan exactly what you need to do to ensure the brightest of futures – and meet your personal, professional and lifestyle goals.

And, our track record speaks volumes. National recognition, prestigious industry awards, satisfied client testimonials and the highest ‘Investor in Customers’ ratings, means that we’re as focused on our client’s future as they are.

We can provide you with the clarity, vision and sense of freedom you are looking for.


Our dedicated client online portfolio management service – www.mywrapaccount.co.uk

Product WrapperInvestment Assets

Wrap cashPersonal PortfolioSIPPISA Stocks & SharesISA CashOnshore BondOffshore Bond

Location*

WrapWrapWrapWrapWrapWrapWrap

LifeStyle Index

LifeStyle Spending

LifeStyle Income

Planned

In Today’s Terms -After Inflation

Financial Independence

85

£300,000Retirement

£150,000

£50,00047

450%

250%

100%

350%

%

35.47%18.62%20.78%3.30%0.00%8.24%13.59%

Value

203,780.35106,956.90119,401.6918,933.790.0047,360.9278,065.73

Age

Helping to make the future clearer

Our big questions answered.John and Maggie.

“After 30 years building my career, commuting to the City and travelling a great deal on business, I’d managed to accumulate an assortment of pensions, policies and investments scattered all over the place.

With the demands of my job, as well as family life and the occasional game of golf at the weekend, I never seemed to have any time to review or organise my finances in a meaningful way. And I was worried about making mistakes with our savings.

Pensions seemed extremely complex, I had no real idea how much risk I was taking with my investments, and I was concerned that I was paying too much tax. I also realised that my hectic schedule wasn’t likely to slow down any time soon!

After my 50th birthday, Maggie suggested now was an ideal time to get to grips with our finances. Over a bottle of wine, we sat down and drew up a list of issues that need tackling. things like:

» Could we afford the holiday home in France we’d always talked about?

» What’s the best way to help our eldest son through university?

» How should we manage our share portfolio to get the most from it?

» What would be the cost of long-term care for my mother?

» And the big one! When would I be able to retire, and could we afford to do all the things we’d like to do in retirement?

While it was good to see our concerns down on paper, we still didn’t know how to go about dealing with them in the best way. then a colleague in the office recommended I speak with the team at Capital Asset Management.

I met with Charles and he explained their planning process. It was different to what I had imagined financial advice to be like. there were no discussions about pensions or investment policies, but rather we discussed the things that mattered most to me and my family.

he also introduced me to their FutureMap™ service, which really brought my financial situation to life. A computer simulation even helped me visualise our future in different scenarios. Wow! that was very empowering.

the analysis showed that I could afford to retire by 58, earlier if I did some paid consulting work for a few years. We could buy the holiday home in a couple of years, and would plan to downsize our main house when the kids left home.

Charles built the strategy, developed a cohesive investment approach aligned with our goals, and considered all the ‘what ifs?’ An added bonus was that he was able to reduce our portfolio management costs significantly.

Now we meet up regularly to update the plan and ensure that we keep on track. It’s a great sense of relief knowing that I have someone I trust looking after my affairs.”


CASE STUDY

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.

Certainty.In less than certain times.

Isn’t it time for a change?


We think so.And so do our clients.

We work in more personal and more intelligent ways than other wealth management consultancies and traditional IFAs.

Our chartered and certified financial planners are hand-picked for their knowledge, experience and distinctive qualifications. they’re people who are discreet, easy to get on with and who speak your language. And they give sound, rounded advice, based on real personal insight and professional expertise.

We encourage a culture of creativity and different ways of thinking, so that the most complex issues are resolved in the most beneficial and efficient ways.

All our expert advice is impartial, objective and geared to what’s right for you, because unlike most financial advisers, we don’t take commission for selling products, plans or 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.

Fees and remuneration

the vast majority of financial advisers in the UK work within a commission-based model. this means that in order for them to be remunerated in relation to the advice offered, they must sell a plan or policy to a client. In other words, their income is entirely conditional on making a sale of a financial product. In our experience a new product is not always the solution and perhaps simply paying down some debt or restructuring an existing arrangement is more appropriate.

In our opinion, therefore, the standard commission model creates a conflict and simply does not work. We have therefore created a clear and simple approach that ensures the integrity of our advice and delivers significant value to clients who work with us. For full details of our fee structure, please refer to our document ‘What do I get for my money?’or request a fee schedule.

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.

We think working with us should be easy.

2. Discovery Meeting Discover your values and goals as well as risks and

your concerns.

3. Wealth Management Plan

presentation Presentation of your

strategic plan, including your personal FutureMap™

strategy and our recommendations.

6. Regular progress Meetings

Review progress towards goals, update your plan, consider

any potential changes.

5. Induction Meeting Summarise work done,

provide formal documentation, agree date

for first review meeting.

4. Mutual Commitment Meeting

Answer any outstanding questions, confirm

commitment, complete paperwork.

1. Initial Consultation A chance to meet up and

discuss the issues important to you and establish if our services are right for you.


Time to fulfill a lifelong dream.

We only worry about what really matters.Michael and Lynn.

“As well as having three grown children, numerous grandchildren and friends all around the world, we decided to spend the winter months at our second home in Florida. It’s fair to say our retirement is fairly hectic!

Over the years Lynn and I had built up a small property portfolio and managed to accumulate various investments. But because we love travelling and keeping active, we needed someone we could trust to take care of everything whilst we got on with enjoying life.

We did have a stockbroker managing our investments, but the fees were rather steep, the performance pretty volatile, and they didn’t seem able to look at the ‘bigger picture’ 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.

Unusually, he started by asking us about the things that were most important to us. then he used the Capital Asset Management FutureMap™ process to allow us to clearly visualise our entire financial future.

Not only was this very illuminating, but it helped him explain that we had been taking too much risk. Now he’s restructured our investment portfolio so we have a much smoother time of it. An added bonus was that he also saved us enough in management fees alone to fund a luxury cruise – every year!

We’re grateful to have a trusted adviser looking after our affairs, so we can focus on the things we really value.”

CASE STUDY

Work with us and you’ll experience a 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.

Our advice will take into account all aspects of life’s capital:

We recognise your life, not just your capital.


Economic and Financial CapitalYour traditional wealth – income, savings, investments, and even debts.

Natural CapitalEnergy, nature and the environment around you, are all important components of your ‘life’s capital’.

Built CapitalThe part of your wealth tied up in buildings, land and infrastructure.

Human CapitalYou family, friends, job, interests and lifestyle all add up to deliver some of the biggest rewards.

Social CapitalWealth isn’t just financial; where

you live, work and belong also shape how ‘rich’ your life is.

Planning tomorrow today.

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.

To arrange an initial consultation, please contact our office:

Call 020 7398 6600Email [email protected]

Capital Asset Management Ebrochure

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