A brief presentstion on how we help our clients to see their financial future.

1. The Magic of Lifetime Cash Flow Forecasts by Brian Butcher Dip PFS

2. Are you guessing about your financial future? Would you like to know how much is ‘enough’ so you can start to do what you really want to do and stop doing what you don’t? Would you like to know PRECISELY when you can afford to retire?

3. Would it help if you knew the return required on your investment to achieve your goals? Would you like to know how much you can spend without running out of money? Would you like to see the long term outcomes of the financial decisions you make today?

5. By building our advice process around lifetime cash flow forecasts we can help you to ‘SEE’ the long term effects of how you manage your money today. Relatively few advisers use this software as its expensive, it means you need to have a client centred approach to financial planning and it means you need to spend more time on clients plans . We do it, though, because the results are worth it.

6. This is an example of a clients year by year income and expenditure plan. As you can see they are earning well, spending well BUT NOT PLANNING WELL...... .....so the income will not be sufficient to support the future desired lifestyle (based on agreed assumptions). Earned income stops at age 60.... .....but expenditure will still remain high in retirement

7. The effect of this – when you add up the clients assets, assume various returns on investments, agree a rate of inflation as well as current and future income/ expenditure habits etc ..........is that the client will run out of money at age 68 !! . Question – would it help if YOU could see YOUR financial future?

9. We do this through a comprehensive financial planning process 1.Life Planning - identifying your values, goals and desired lifestyle both today and in the future. 2.Financial Planning - creating a tangible set of targets to aim for together with strategies on how best to achieve them. 3.Financial Advice – allocating the correct resources to the correct products to minimise tax and maximise returns within an acceptable level of risk 4.Review & Monitor – testing the progress against the target and adapting to personal and legislative changes

10. As you can see we understand that financial advice is the 3 rd stage in the financial planning process – NOT THE FIRST. This means that we put YOU into the centre of the financial planning process, not your money. Using cash flow forecasts means we can see your financial future and, if you don’t like how it looks, we can come back to today and make the necessary changes – and then see the new outcomes. We like to call it our financial planning time machine - and we want to share it with you. Ideal Financial Management Ltd It’s not about your money – it’s your life.

11. To find out how we can help you ‘see’ your future contact us today on 01302 880140 or email [email_address] There will be NO COMMITMENT on either behalf and any initial discussions will be at our expense. I look forward to meeting you.

12. Ideal Financial Management Ltd - 142 Thorne Road, Edenthorpe, Doncaster, DN3 2LU. Telephone: 01302 880140 . Ideal Financial Management Ltd is authorised and regulated by the Financial Services Authority. Ideal Financial Management Ltd is detailed on the FSA's Register and our FSA Register number is 209535. The FSA register can be viewed at www.fsa.gov.uk/register/home.doc The guidance and/or advice contained within this slideshow is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK. The value of your investment can go down as well as up, and you may not get back the amount you originally invested. Levels and bases of relief's from taxation are subject to change and their value depends on the individual circumstances of the investor. We do not act on a discretionary basis when making investments to clients portfolios so a client signature will be required before any adjustments are made.