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Executive Financial Planning Service
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Acumen & Trust Ltd executive financial planning service

Acumen & Trust Ltd executive financial planning service

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  • Systems ensure Quality, Consistency and Efficiencies (i.e. enable timely response to client)
  • Detailed profiles of each staff member are on our website

Executive Financial Planning Service Presentation Transcript

  • 1.  
  • 2. The Acumen Executive Financial Planning Service The Service is Advice and not Commission Driven
  • 3. 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
  • 4. 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
  • 5. Example of a Client’s Remuneration Package
    • Salary
    • Car allowance
    • Bonus
    • Discounted share purchase scheme
    • Pension
    • Life assurance
    • Disability insurance
    • Health insurance
  • 6. Key Elements of the Service Pensions Mortgages & Finance Deposits & Investments Tax Planning Protection Specialist Resources
  • 7. 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 >
  • 8. Deposits and Investments Cash External Opportunities Beacon Trust Existing Holdings Structured Products Bad Investments Risk Income Access Tax
  • 9. Protection Health Insurance Critical Illness Life Assurance Salary Insurance Pension Scheme Mortgages & Loans Personal / Family
  • 10. Mortgages & Loans
    • Assistance in securing finance
    • Repayment options / restructuring current loans
  • 11. 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
  • 12. 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
  • 13. 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
  • 14. Online Financial Planning Form
  • 15. Financial Planning Spreadsheets
  • 16. 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
  • 17. Systems / R&D
  • 18. System Example
  • 19. Investment Program Output
  • 20. Liquidity Model
  • 21. Liquidity Model
  • 22. Life Assurance Program
  • 23. Investment Choice
    • 55 Agencies Held
    • 27 in Ireland
    • 28 in the UK
    • Most brokers only hold a
    • small number of Irish
    • Agencies
  • 24. Example of Real Benefits of Investment Choice
  • 25. Track Record We structured and promoted two investments in 2009: + 6% (+9% AER) + 56% Performance to Date No Risk – Medium Growth Strong Growth Objective 3 Years 6 Months (from June 2009) 2 Years 3 Months (from March 2009) Term 100% 160% (Cap of 56% growth) Participation Rate 100% 50% Protection Credit Bond Oil Bond Name
  • 26. 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
  • 27. 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
  • 28. 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
  • 29. 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
  • 30. Wealth Management Team Director David Robb BComm AITI Consul tant David Moran MA QFA FLIA Consultant Emer Brogan BSc QFA Consultant Oonagh O’Byrne BEd Dip Pch Direct or Conor Crowley FIIPM Consultant Stephen Jones QFA Customer Services Ger Keyes BA MMII Grad FCII
  • 31. 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
  • 32.  
  • 33. www.acumenandtrust.com