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How I can help you...

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Please check out this short presentation of slides to give more detail on how I can help you with your financial planning...

Please check out this short presentation of slides to give more detail on how I can help you with your financial planning...

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  • 1. Wealth The Wealth Management Service 1
  • 2. Contents • Wealth Management • Why choose Wealth Management? • Tailor made solutions for you • Our Approach • Our Solutions • Investment Strategy • Building an Investment Portfolio Service: Manager Selection 2
  • 3. Wealth Management We appreciate that wealth means something different to everybody. We like to help our clients by engaging, educating and supporting them throughout their personal financial journey. Trushar Bhalsod Wealth Protection Wealth Planning Wealth Management Consultant & Estate Planning • Protection Here is a list of the types of services which • Tax specialists • Pensions are available to you either from your • Will writing • Retirement planning adviser or by referral to another adviser • Estate administration • Annuity brokers within our Wealth Management division. • Trust management • Tax planning • Inheritance tax planning Investment Services Banking Services International • Portfolio management • Cash management • Offshore cash • Structured products • Deposit products management • Investment bonds • Mortgages • Investment planning • ISAs • Lending solutions • Lending • Personal banking • Current accounts 3
  • 4. Why choose Wealth Management? Our Approach • We offer advice and support to help you manage your wealth. • We build a detailed understanding of your financial situation and objectives, and can develop recommendations to suit your needs. A Personal Relationship The Holistic Approach • We provide a bespoke relationship • We take a holistic approach to wealth management service to help financial planning. make your wealth work harder for you. • Our recommendations consider your • We pride ourselves on honesty and personal needs, your professional integrity, and our experience. needs and your aspirations. Our Heritage • Lloyds TSB’s heritage dates back to 1765, we have operated as a Private Bank since 1919. • Lloyds’ Wealth and International division is one of the world’s largest wealth management institutions, operating in 16 countries with 38 offices in the UK alone. 4
  • 5. Tailor made solutions for you We take the time to understand you and your needs, and only then recommend solutions for your wealth based on your personal and, where required, your business circumstances. Identifying your needs Objectives We will discuss your current financial situation and objectives to build a thorough understanding of your personal and business wealth and needs. Further advice Establish and recommend a strategy After arranging any products for you, we Based on our understanding of your would be glad to advise you at any time if situation and needs, we produce a you ask us to. We may also contact you in future to discuss any possible changes in strategy and discuss this with you. your financial circumstances, or any issues regarding your existing investments. Implement a solution We fulfil your needs by working together, using our expertise in investments, banking and other services from the Lloyds Banking Group, and a number of well-established product providers across the financial marketplace. 5
  • 6. Our Approach Potential fund Legal & Private Banking Potential fund managers General (L&G) Premier Service managers Scottish Widows SWIP Scottish Widows PIMCO Investment Scottish Widows PROTECTION BANKING Julius Baer Partners Lloyds TSB Blackrock Artemis Private Banking M&G Baillie Gifford Trushar Bhalsod (IPS) Zurich Invesco BlackRock Wealth Management Perpetual Fidelity Consultant Scottish Widows Mackay Shields Henderson INVESTMENTS (other L&G Invesco 07796 685792 investment River & Perpetual trusharbhalsod@bosis.co.uk Solutions) Mercantile Investec TT International J.P. Morgan Scottish Widows WEALTH Rathbones Aviva Jupiter Jupiter PROTECTION Newton PENSIONS Cartesian Schroders Whole of UK Trusts Rensburg Market specialist SSGA Share Dealing Henderson Annuity Service The selection Cazenove of external fund Wills First State managers is at the client’s Ignis Estates discretion. Cohen & Steers Perennial Tax Inheritance Tax Planning *Personal confidential information should not be sent via email 6
  • 7. Our Solutions Investment solutions Protection for you and your business Personal investments Business protection • Investment Portfolio Service (IPS) via Lloyds TSB Private Banking (multi-asset/ • Loan Protection multi-manager, risk profile re-balancing, dedicated relationship manager) • Key Person • ISA (includes capital protected* option – six year term) • Director/Partner Share Protection • OEIC (multi-asset/multi-manager and single funds) Employee benefits • Protected Capital Solutions Fund* (four year term) • Group Life Assurance • Investment Bond (multi-asset/multi-manager and single funds) • Group Permanent Health Insurance • Rathbones (discretionary share portfolio management) • Share Dealing Protecting your wealth Business investments • Will Writing Service • Corporate OEIC • Personal Tax Service * These funds aim to offer capital protection for your investments on the Protection Date. • Trust Management Service It does not provide a guarantee. • Estate Administration Service Private Banking Premier • Inheritance Tax Planning • Dedicated Relationship Manager • Range of Private Banking Current and Savings Accounts Retirement planning • Range of Additional Benefits – including AA Breakdown Cover, Pension accumulation Worldwide Travel Insurance*, ID Aware and Mobile Phone Insurance • Stakeholder Pension (multi-asset) • Personal Pension (multi-asset/multi-manager/single funds) * Worldwide Travel Insurance including both family and winter sports cover (62 days per trip) for account holder(s) under 80 years of age. At Retirement Solutions • Annuity Service (whole of market) Protection for you • Flexible Income Drawdown Personal protection Corporate Pensions • Life Assurance (level/decreasing term) • Group Pension Schemes • Critical Illness • Family Income Benefit • Permanent Health Insurance (PHI) • Whole of Life 7
  • 8. Investment Strategy Based on our understanding of your requirements, we define the investment strategy which shapes the asset allocation and construction of your portfolio. Wealth Private Asset Active Passive Management Banking Allocation Management Management Strategy 8
  • 9. Building an Investment Portfolio Service: Manager Selection • One of the solutions available to you is the Investment Portfolio Service (IPS) from Lloyds TSB Private Banking. • We use a vast array of fund management techniques including Multi-Manager and Leading Single Manager funds, which are complimented by very cost effective passive investment vehicles such as Exchange Traded funds. • IPS utilises numerous investment strategies and implements policy efficiently and effectively. • Specialist Multi-Managers for certain funds are employed for their expertise in specific areas. • Why? History shows that no single manager can excel across the board. Source: 2008 Beijing Olympic Games 9
  • 10. I take pride in building strong relationships with my clients. My primary aim is to provide you with sound holistic financial planning advice that will help you achieve both your present and future financial objectives. I aim to provide you with excellent service and make you an advocate for me going forward. Many of my clients were referred to me by existing satisfied clients, and it would be a strong endorsement if you were to pass on my details to anyone you consider would benefit from my advice. Trushar Bhalsod Lloyds TSB Bank plc Consultant Wealth Management Wealth Management St James’ Gate 14 – 16 Cockspur Street London SW1Y 5BL Lloyds TSB Bank plc Registered office: 25 Gresham Street, London EC2V 7HN. Fax: 0207 839 7774 Registered in England and Wales no. 2065. Mobile: 07796 685792 trusharbhalsod@bosis.co.uk * Authorised and regulated by the Financial Services Authority www.lloydstsb.com under number 119278. *Personal confidential information should not be sent via email June 2010 WMPP 2010 10