The Acumen Executive Financial Planning Service The Service is Advice and not Commission Driven

The Benefits of the Service to the Client Reduce tax Reduce insurance premiums Save money Accumulate, consolidate or transfer wealth Provide for retirement Plug any financial gaps

Reduce tax

Reduce insurance premiums

Save money

Accumulate, consolidate or transfer wealth

Provide for retirement

Plug any financial gaps

Key Features Opportunity to avail of a full financial health-check and assessment Opportunity to tidy up / put financial affairs in order Opportunity to develop a personalised & tailored financial plan Takes account of existing tax status, current earnings, personal investments and protection covers

Opportunity to avail of a full financial health-check and assessment

Opportunity to tidy up / put financial affairs in order

Opportunity to develop a personalised & tailored financial plan

Takes account of existing tax status, current earnings, personal investments and protection covers

Example of a Client’s Remuneration Package Salary Car allowance Bonus Discounted share purchase scheme Pension Life assurance Disability insurance Health insurance

Salary

Car allowance

Bonus

Discounted share purchase scheme

Pension

Life assurance

Disability insurance

Health insurance

Key Elements of the Service Pensions Mortgages & Finance Deposits & Investments Personal Tax Protection Estate Planning

Pensions Analysis & recommendations Advise on alternative pension arrangements (eg SSAPS) Quantify spouse’s pension entitlements Quantify deferred pension entitlements Pension projections & demonstrate benefits of AVCs Current pension scheme benefits Prepare > Review >

Deposits and Investments Review deposit rates and credit ratings Understand risk in context of investing Run asset allocation model Recommend changes to portfolio Review portfolio

Protection Health Insurance Critical Illness Life Assurance Salary Insurance Pension Scheme Mortgages & Loans Personal / Family

Mortgages & Loans Review current mortgage rates and compare to rates available in the market Look at repaying mortgages and loans over a shorter period (to reflect current interest rates) Equity release options Consolidation of mortgage and personal loans Understanding different mortgage products (trackers etc.)

Review current mortgage rates and compare to rates available in the market

Look at repaying mortgages and loans over a shorter period (to reflect current interest rates)

Equity release options

Consolidation of mortgage and personal loans

Understanding different mortgage products (trackers etc.)

Personal Tax Rents Investments Capital Gains Other Taxes Key tax Filing Dates BIK Share Options Salary PAYE / PRSI Claim Maximum Credit / Allowance Total Income Tax Status Compliance / Returns

Wills and Estate Planning Draw up a will(s) or update current will(s) Explain how capital acquisitions tax (CAT) works on receiving or passing assets Advice on exemptions and mitigation of taxes

Draw up a will(s) or update current will(s)

Explain how capital acquisitions tax (CAT) works on receiving or passing assets

Advice on exemptions and mitigation of taxes

Gathering Information Individual’s data received in advance of initial meeting: Email / online form or Acumen Financial Planner (Excel) From the data, Acumen prepares personal financial review document / agenda for the initial meeting

Individual’s data received in advance of initial meeting:

Email / online form or

Acumen Financial Planner (Excel)

From the data, Acumen prepares personal financial review document / agenda for the initial meeting

Online Financial Planning Form

Financial Planning Spreadsheets

Systems / R&D Dedicated research unit Benedict pensions system Focus on knowledge management and retention e.g. CRM, document management, etc Systems built to ensure consistent delivery of high quality advice quickly Director Colm Brennan BComm AITI Investment Research Sean Blake R&D Consultant Daniel Persson BSc

Dedicated research unit

Benedict pensions system

Focus on knowledge management and retention e.g. CRM, document management, etc

Systems built to ensure consistent delivery of high quality advice quickly

Systems / R&D

System Example

Investment Program Output

Liquidity Model

Liquidity Model

Life Assurance Program

Mortgage Rate Review

Investment Choice 55 Agencies Held 27 in Ireland 28 in the UK Most brokers only hold a small number of Irish Agencies

55 Agencies Held

27 in Ireland

28 in the UK

Most brokers only hold a

small number of Irish

Agencies

Example of Real Benefits of Investment Choice

Fees Year 1 Fees reflect additional work 5 Elements to Year 1 Work Meeting and gathering information Collating and presenting back information Evaluating the information Providing solutions and advice Implementing some or all of the solutions Follow Through is Key Subsequent reviews

Year 1 Fees reflect additional work

5 Elements to Year 1 Work

Meeting and gathering information

Collating and presenting back information

Evaluating the information

Providing solutions and advice

Implementing some or all of the solutions

Follow Through is Key

Subsequent reviews

About Acumen & Trust Founded in 1996 and Located in Beacon Court, Sandyford Authorised Adviser Status with the Financial Regulator Wealth Management Employee Benefits Life & Pensions Broker of the Year in 2007 The business has been built on people, systems, dedicated research and the efficient delivery of financial advice

Founded in 1996 and Located in Beacon Court, Sandyford

Authorised Adviser Status with the Financial Regulator

Wealth Management

Employee Benefits

Life & Pensions Broker of the Year in 2007

The business has been built on people, systems, dedicated research and the efficient delivery of financial advice

Client Profiles Wealth Management Business Owners Senior Management Professionals Other Private Clients Farmers Retired People Over 2,000 Clients Employee Benefits Small - Large Full Service Investment Only Risk Only AVCs PRSAs Trusteeship

Wealth Management

Business Owners

Senior Management

Professionals

Other Private Clients

Farmers

Retired People

Over 2,000 Clients

Employee Benefits

Small - Large

Full Service

Investment Only

Risk Only

AVCs

PRSAs

Trusteeship

Acumen & Trust People Resources 23 Staff 5 Pensioneer Trustees Two Qualified Tax Consultants Investment Managers Economist Several Qualified Financial Advisors Fellows of the Irish Institute of Pension Managers Dedicated Research Team

23 Staff

5 Pensioneer Trustees

Two Qualified Tax Consultants

Investment Managers

Economist

Several Qualified Financial Advisors

Fellows of the Irish Institute of Pension Managers

Dedicated Research Team

Wealth Management Team Director David Robb BComm AITI Consul tant David Moran MA QFA FLIA Mortgages Manager Emer Brogan BSc QFA Consultant Oonagh O’Byrne BEd Dip Pch Direct or Conor Crowley FIIPM Wealth Managemt Consultant Stephen Jones QFA Customer Services Ger Keyes BA MMII Grad FCII

Contact Details Address – 4 & 5 The Avenue Beacon Court Sandyford Dublin 18 Tel - 01-2936500 Fax - 01-2952205 Business Development - Conor Crowley - [email_address] Wealth Management - David Robb - [email_address] Employee Benefits - Ciaran Martin - [email_address] www.acumen.ie

Address – 4 & 5 The Avenue

Beacon Court

Sandyford

Dublin 18

Tel - 01-2936500

Fax - 01-2952205

Business Development - Conor Crowley - [email_address]

Wealth Management - David Robb - [email_address]

Employee Benefits - Ciaran Martin - [email_address]

www.acumen.ie