John Kendall of Independent Financial Advisers Lighthouse Financial Advice Limited provides financial advice to clients. He has 30 years of experience in large companies advising at board level. His financial planning process involves understanding a client's circumstances and goals, assessing their financial situation, developing recommendations, implementing plans, and providing regular reviews. He advises on areas like retirement planning, estate planning, business ownership, and taxation to help clients ensure they have sufficient funds.

1. Financial Advice You Can Trust John Kendall of Independent Financial Advisers Lighthouse Financial AdviceLimitedis an appointed representative of LighthouseXpress Limited which is authorised and regulated by the Financial Services Authority

2. Types of Advice

3. Lighthouse Financial Advice Limited is an appointed representative of LighthouseXpress Limited which is authorised and regulated by the Financial Services Authority. The FSA does not regulate Wills, Trusts, Taxation, Tax Planning and some Mortgages. Lighthouse Financial Advice Limited Woodrow House 78-84 Warren Road Woodingdean Brighton BN2 6BA 08000 85 85 90

4. Agenda Personal Introduction Why personalised financial advice is so important Adding value to your planning My service proposition for clients

6. Imperial College London - MSc/MBA

8. Worked in – UK, Holland, France and others.

9. Industries – Food, consumer goods, aggregates & concrete, health, oil development, direct marketing and IT

10. KRM Concrete (Portsmouth) – 30+ years in family business shareholder & director

13. Help you confidently make financial decisions & choose appropriate options in an increasingly complex world

14. Provide financial advice by highlighting your risks and needs such as ;Life/death Serious Illness Incapacity Borrowings Inflation Savings & Investment Tax Planning For Retirement Income & Longevity

15. Put Another Way I am here to support and guide you through your decision making and the application of your choices

16. My Financial Planning Process Establish and define our working relationship Understanding your circumstances including goals/aspirations & fears/concerns Understanding your financial situation Developing & presenting financial planning recommendations Helping to implement the recommendations Regular reviews ensuring your financial plans remain appropriate Providing support & guidance when needed

17. Financial Investment requires insight & experience! UK Financial History 1950 to 2009 source Scottish Widows

18. Straightforward Advice The basics of investing in real assets A deposit account provides interest but no ability for capital growth A real asset provides an income and the potential of capital growth…….. Such as property and shares Real assets can provide a hedge against inflation which is why it is good practice to consider investing in them Real Returns (less inflation) Income reinvested Source Barclays Capital Equity Gilt 2010 Study 2010

19. Where & When should you invest?

20. Straightforward Advice I provide a comprehensive & robust investment service Analyse your attitude to risk with your assets to ensure that you are not overly exposed to risk or invested too safely 2. First class asset allocation System 3. First class fund & fund manager selection. Professionals to review investments daily.

22. What may seem risky to one person may be pedestrian to another

23. Independent risk profiling based on proven statistical modelling using Distribution Technology’s Dynamic Risk Profiler

24. Calculates a risk profile on a scale of 1 (safety first) to 10 (acquisitive Investor)

26. Desire for profit

27. Tolerance of ambiguity

28. Outlook

29. Horizon

30. Financial awareness

31. Investment experience

33. Advice Area Examples Will you have enough money in retirement? Pensions What is your current expected State Pension entitlement? Will it be enough? Have you anyother pension provision? Are there gaps in your planning? If so when and how will they affect you? Do you have old pension schemes/plans that are not managed/poorly invested, provide poor value for money? Other Funds Are you expecting to inherit money? Is your house your pension? What will it provide? What are the associated risks with your plans? Don’t forget that retirement income planning also has to consider your PersonalPlanning(i.e. non financial issues)

35. Have you made a will? Is it up to date?

36. Are you aware of the rules of intestacy and how they can affect you and your loved ones?Would you like to understand potential outcomes & what this will mean for you & your family? I can help you assess these risks & plan

38. What impact will this have on you, your family, the business ?

39. Which natural changes in your life & family will impact on the business?

40. Have you considered your exit strategy?

41. How much is enough? Will your business provide enough?

42. Most owners (my experience) are optimistic about their company value. What will this mean for you, your family & the business?

43. Parent health and care can affect your time spent in the business – have you planned for this?

44. What will the impact of serious illness or death have on you & your business?

45. Is your business your main pension? Will you have enough money to retire ?

48. ShareholdersBusiness Will / Individuals Wills Guaranteed Market for shares Tax Planning Other Key People Locked in Company Protected

49. Summary I can guide you through an organised process To help you understand your existing position What this will mean for you in the future Focusing on possible shortfalls /surpluses With analysis of existing risk & assets presented as a meaningful report With recommendations to implement

51. Delay it i.e. will this cost you in lost returns, opportunity or greater risk ?

52. Drop it i.e. take no action – who else will be affected by this ?

53. Delegate it i.e. allow me to understand & work with you to manage the process for you, making it easier & freeing up your limited time Why Not Book an Initial Meeting with me Today at our Expense.

55. The investments and investment services described or recommended in this presentation may not be suitable for all people. You should seek your own professional advice as to the suitability of any such investment or service before you enter into any transaction.

56. Any information relating to past performance of an investment or investment service is not necessarily a guide to future performance.

57. Fluctuations in the rate of exchange may have an adverse effect on the value, price or income of non-sterling denominated investments.

58. Aspects of corporate financial planning, Aspects of Trust and Estate planning, Tax planning & Commercial mortgages and finance are not regulated by the Financial Services Authority

59. Your home may be repossessed if you do not keep up repayments on a mortgage

60. The information provided at this seminar is generic and not to be taken as personal advice.

61. For any correspondence please address this to John Kendall Lighthouse Financial AdviceLimited 7 Baldock Road, Letchworth Garden City, Hertfordshire SG6 2EG