Client Value Proposition

Bluecoat Wealth Management. Plan for a better tomorrow. Bluecoat Wealth Management. Plan for a better tomorrow.

Bluecoat Wealth ManagementAdvice and Planning Services

Live the life you want, now.

And in retirement.

Helping you plan for a better tomorrow


We provide independent advice and Financial Life Planning services to individuals based in Sussex.

Many people view retirement as an opportunity to pursue their dreams. Without the pressure of the daily grind they are free to write the book they’ve always dreamed of, to take the round the world trip they never had time for, or mentor newcomers to the industry they’ve left behind.

Why not enjoy the life you’ve worked hard for, from today?

We don’t believe you should wait that long to live a rich fulfilling life. It’s not about how much you have in your pension pot at retirement but more about how you’ve lived your life before you get there, as well as having sufficient resources to live a fulfilling retirement. That’s what Financial Life Planning is all about.

Whatever your dream, we can help turn it into a reality.

ABOUT BLUECOAT WEALTH MANAGEMENT

Bluecoat Wealth Management. Plan for a better tomorrow.

• We recognise that when you work hard and lead a busy life, sometimes the important things take a back seat. Why wait? We

can help you to create a rich and fulfilling Life Plan that allows you to reconnect with your passions and change direction. To

do all the things you never had time for.

• We believe in providing the highest level of expertise in all areas of advice. Our founder has attained Certified Financial

Planner™ status and is one of less than 40 registered Life Planners® in the UK, trained and accredited by the Kinder Institute.

He is also a founding member of the Financial Life Planning Foundation, a Charity dedicated to improving financial

awareness among the general public.

• We don’t believe that bigger is better. At Bluecoat Wealth Management we plan to remain a boutique size firm, so our

clients continue to receive dedicated, specialist service.

WHAT DO WE BELIEVE?


Robin spent the early part of his career working for a large high street bank. This was back at the time when your local branch was central to your community, when banking customers were known by name and you had a personal relationship with your bank manager.

In 1997, after many years’ at the bank, Robin decided it was time to leave. He felt disillusioned that the bank was losing its community feel. He became an Independent Financial Adviser, so he could focus on meeting the needs of his clients - not selling products.

He now owns Bluecoat Wealth Management, a boutique Financial Life Planning business dedicated to providing independent advice and Financial Life Planning services to individuals based in Sussex.

Bluecoat is founded on old school values. Just like back at the bank. They operate a policy of working with a select number of clients, pre and post retirement, with which they build strong long-term relationships and deliver a consistently high level of service.

Robin also believes in giving back to the community. He is committed to leaving a corporate legacy through Bluecoat Wealth Management, applying the same principles as the legacy planning service they provide for their clients.

ABOUT OUR FOUNDER


Financial Life Planning

• Exploration - what matters most to you

• Vision - defining your ideal life

• Obstacles - overcoming the barriers

• Knowledge - designing the financial architecture required

• Execution - implementing the Plan and reviewing progress

• Wealth Management

• Independent Financial Advice

• Legacy Planning and Implementation

We work in partnership with other trusted professionals to deliver a complete retirement life planning and legacy solution.

Our range of services include:

OUR RANGE OF SERVICES

Wealth Management

• Investment advice and management of pensions and investments (Unit Trusts, ISAs, Offshore structures)

• Comprehensive Tax Planning

• Trusts and Estate Planning

• Long Term Care

Independent Financial Advice

• Financial Policy Consolidation

• Protection (Life, Critical Illness, Income Replacement)

• Cash Flow Projections

• Pension Consolidation

• Long Term Care


OUR VALUES

We listen with empathy. We take considerable time to understand you, your attitudes, beliefs, goals and objectives. Even your fears. We use this to create your personalised Financial Life Plan, so you can live the fulfilling life you deserve.

We believe our role is to educate and empower you to understand your relationship with money and the principles of investments. No more sleepless nights worrying about what you read in the papers.

We use our skills and experience to help you follow your dreams, by planning for a better life.

We believe in giving back. At Bluecoat we contribute to the local community by supporting children from disadvantaged backgrounds. We provide opportunities for educational and personal development through schooling and rugby. We also support Kiva, an organisation that empowers individuals to lend to an entrepreneur across the globe.

We help you discover the legacy you want to leave. We then work with you to devise a strategy to ensure you achieve it. And contrary to popular belief it needn’t cost millions.

At Bluecoat we’re passionate about leaving our own corporate legacy. That’s why we’re creating an educational trust for children in need. We raise funds and donate our time to helping students from underprivileged backgrounds get a start in life.


Often our clients are unfamiliar with the financial advice process or have had a bad experience in the

past. Once they’ve worked with Bluecoat they realise it’s our structured process for advising clients that

really makes us different.

• We believe that only a Financial Life Planner is able to separate advice about meeting your lifestyle goals from the

sale of products.

• Our Six Step Financial Planning Process is designed to help you meet your objectives through the proper

management of your finances. It will also help you take a big-picture look at where you are financially.

• We commence the process by investing considerable time and effort to really understand your goals and objectives.

We then gather relevant financial information and examine your current financial status.

• Working in partnership with you, we develop a Financial Life Plan to set you on your path toward achieving your life’s

desires.

OUR APPROACH TO ADVISING CLIENTS


1. Exploration What are your concerns, fears, hopes and dreams? What is it that matters most to you?

2. VisionWhat would your ideal life look like? One where you can live out your passions and desires. One that is truly fulfilling.

3. ObstaclesWhat is preventing you living this amazing life? What stands in your way? How might these obstacles be overcome?

4. KnowledgeWe analyse what you have, your risk tolerance, projected cash inflows and outflows, and use our skills and experience to create the financial architecture to support your Life Plan.

5. ExecutionWe implement the solutions necessary to ensure that you achieve the outcomes you desire.

6. Regular Communication & ReviewThese processes are overlaid with ongoing communication and review while creating your Financial Life Plan and after execution to ensure you remain on track.

*The EVOKE® process is a registered trademark of The Kinder Institute

OUR 6 STEP EVOKE® FINANCIAL PLANNING PROCESS*


• A range of tax wrappers (products) to maximise tax efficiency

across your entire portfolio

• Access to our suite of diversified portfolios, matched to the level

of risk you are willing to accept

• Consolidated reporting, delivered at agreed time intervals

The benefits to you:

Technology underpins our service offering, allowing us to streamline our advice and communication. We

use a platform to consolidate all of your investments. You can view your entire holdings from a single web

page, regardless of where your investments are held or where you are in the world.

OUR USE OF TECHNOLOGY


We work with a select number of partners to deliver our integrated advice solution. Relationships are

reviewed on an ongoing basis, to ensure you receive the best possible service at all times.

We provide independent advice, tailored to your individual needs. We take time to understand your financial,

lifestyle and retirement goals, your attitude toward investment risk, and any barriers or challenges standing in

your way. We then work with you over the longer-term to manage your evolving financial plan, ensuring you

have the greatest opportunity of meeting your goals.

Advice and Ongoing Relationship Management

AXA, a worldwide leader in financial protection and wealth management, provides the underlying technology

infrastructure and reporting tools we use to manage your portfolio. We selected their Elevate platform after a

rigorous due diligence process. We based our decision on their dedication to investing in, and continuing to

evolve, the technology.

Technology Infrastructure and Reporting

Dimensional is the provider we have selected to manage the investment implementation for our client

portfolios. Founded in 1981, Dimensional manage passive investment portfolios constructed using rigid

academic principles. They work with just 200 financial planners across the UK, subject to the selected planners

undertaking rigorous due diligence and meeting their criteria.

Risk Assessment and Investment Implementation

OUR INTEGRATED ADVICE SOLUTION


Diversified Portfolio Implementation

Your attitude toward investment risk is

established using our Risk Profiler.

This world-leading scientific financial risk

tolerance test is provided by Finametrica,

who use sophisticated techniques to help

assess, define and quantify how you feel

about investing and the risks involved.

Through a detailed analysis of your

responses, we generate a Risk Profile,

which we then discuss and agreed with

you.

Once your Risk Profile is agreed, we select

a strategic asset allocation to match your

risk/return criteria.

We offer a suite of 10 risk-constrained

profiles, diversified across the major asset

classes.

Dimensional is our chosen investment

partner. They structure our portfolios

based on scientific evidence of the

behaviour of capital markets, not

speculation.

Once we determine your strategic asset

allocation, your portfolio is implemented

by Dimensional.

Dimensional was formed in 1981 and

manages £116 billion in assets globally.

Pioneers of the scientific investment

approach, their portfolios are diversified

across the numbers of securities they hold

(thousands) and the range of capital

market strategies they employ. Strong

links with leading financial economists

ensure continued innovation.

Our structured investment process is designed to ensure you are invested in the most appropriate portfolio

to meet your objectives, without exposure to unnecessary risk.

OUR STRUCTURED ADVICE PROCESS

Risk Profiling Strategic Asset Allocation Diversified Portfolio Construction


• We work hard to ensure our services and charging structure are flexible and transparent, so you always know exactly

where you stand. Prior to commencing any work we will agree all fees and charges with you.

• We offer an obligation-free, without charge Exploration Meeting. If you elect to proceed with Bluecoat, we will work

with you to create your Financial Life Plan. Charges are levied as per our Menu of Fees.

• Your Bluecoat Wealth Management Journey comprises three stages, each with its own cost element:

Stage 3:Regular Communication & Review

To ensure you remain on track. This is charged based on the level of support.

Stage 2:Policy or Portfolio Execution

Monthly commitment fees are offset against any product fees at this stage in the process.

Stage 1:Post Exploration Meeting

Charged at an agreed monthly commitment fee, which will be discussed and agreed with you.

OUR CHARGING STRUCTURE


SCHEDULE OF FEES PROJECT FEE MONTHLY FEE

STAGE 1: Exploration, Vision, Obstacles, Knowledge

Exploration Meeting Complimentary

Vision

Obstacles Subject £250 per month commitment fee

Analysis

Financial Life Plan

STAGE 2: Execution

Policy Implementation Service £500 per policy*

Portfolio Implementation Service 2% of funds invested (min £1,500)*

STAGE 3: Regular Communication and Review

Portfolio Monitoring and Rebalancing Service 1/12% of portfolio (min £25 per month)

Regular Communication Service FREE

Retirement Life Plan Review Service FREE subject to min annual portfolio monitoring fee of £1,500 (or £125 per month)

*Monthly commitment fees are credited against these costs

SCHEDULE OF FEES

*Monthly commitment fees are credited against these costs


Adur Business Centre, Ropetackle,

Shoreham-by-Sea West Sussex, BN43 5EG

T : 01273 466533 E : [email protected]

W : www.bluecoatwm.com T : www.twitter.com/legacyguru

PRESENTATION DELIVERED BY:

IMPORTANT NOTE: Bluecoat Wealth Management Ltd is an appointed representative of Financial Ltd, which is authorised and regulated by the Financial Services Authority. Entered on the FSA Register 476312. Investment types or areas mentioned may not be suitable for all investors and therefore no actions should be taken as a result of this presentation. Guidance should be sought before making any investment decision. The value of your investment may go down as well as up. Past performance is not a reliable indicator of future results.You should always take advice from a qualified person if you are unsure about how making a Charitable Donation might affect your tax position. The FSA do not regulate tax advice.

mailto:[email protected]




Client Value Proposition

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