2. Who are
The Financial Planning Group?
• Established in 1993
• Based in Teddington, South West London
• We deliver a holistic financial planning
service to Individuals, Companies and Trustees
• Authorised and Regulated by the Financial Services Authority
Who are we?
3. Key questions to consider
• Do you have a clear understanding of your financial goals?
• Are your investments producing a sufficient return to meet your goals?
• Will you be able to afford to pay for School and University fees for your children?
• When and how will you be able to repay your mortgage?
• Will your family be protected should you die?
• What happens if you lose your job or become incapacitated?
• You are planning a major lifestyle change; can you afford to do it?
• When can you afford to retire?
• How can you pass on your wealth to your family in the most tax efficient way?
Key questions
4. Financial planning service
• We will help you to understand your current financial situation
Using financial planning software we will put your assets, expenditure, tax, protection
and debt in context and relate these to your future plans and aspirations
• We have a structured investment process to manage the risk of your portfolio
With the use of an investment platform we manage your portfolio in one place providing you with online access
• What you know as financial products - Pensions, ISAs, Bonds, Unit Trusts - will be recommended
only as relevant tax vehicles
• We offer a comprehensive mortgage service - residential, holiday home, investment and business
• We will work with your accountant or solicitor to ensure a truly holistic approach to your finances
• We provide an ongoing relationship; your financial plan will be reviewed at least annually
• We will act as your agent in all communications with insurance companies and other providers
to minimise the administrative burden and complexity of dealing with your financial affairs
Financial planning service
5. Financial planning service: Stages
1
Initial Meeting
Discuss your aims and
learn about our service
6 2
Review your financial Gather data and set
plan regularly goals and aims
5 3
Implement the We prepare your
agreed plan financial plan
4
Present and discuss your
financial plan
Financial planning service
6. Financial planning service: Planning
With you we explore and record
all aspects of your financial life to
ensure the best possible starting
point for your plan
Financial planning service
7. Financial planning service: Planning
We model your assets, tax, expenditure, protection and debt into the
future and help you to decide on the shape of your financial plan
Financial planning service
8. Investment philosophy
• Our philosophy is based not on speculation but on
the science of capital markets
• When investing for your long term future, return is
the reward for the risk you take with your money
• Capital markets around the world are efficient; there
is no advantage to be gained from stock selection or
market timing
• Diversification reduces risk and Asset Allocation
allows risk to be adjusted to fit individual need
Eugene F. Fama
Efficient Markets Hypothesis
University of Chicago - 1966
Investment philosophy
9. A picture of growth
Portfolio 4:
10 Asset classes
8626 Securities
2%
2%
WRAP
CASH
12%
UK
CORE
EQUIT
36%
9%
UK
VALUE
UK
SMALL
COM
9%
INTERNATIONA
GLOBAL
TARGE
11%
4%
EMERGING
MA
5%
10%
EMERGING
MA
GLOBAL
SHORT
STERLING
ULTR
2%
2%
WRAP
CASH
12%
UK
CORE
EQUITY
36%
9%
UK
VALUE
UK
SMALL
COMPANIES
9%
INTERNATIONAL
CORE
EQUITY
GLOBAL
TARGETED
VALUE
11%
4%
EMERGING
MARKETS
CORE
EQUITY
5%
10%
EMERGING
MARKETS
TARGET
VALUE
GLOBAL
SHORT
DATED
BOND
STERLING
ULTRA
SHORT
FIXED
INCOME
Investment process
10. What this means for you?
• Your risk profile is assessed using a psychometric risk profiling questionnaire
• Your attitude towards risk is then put into the context of both your time
horizon and planning goals
• We will help you decide on the most suitable portfolio to align to your financial plan
• Our role as the financial planner becomes one of supervision, monitoring and
maintaining discipline
• It is important to ensure that the portfolio is reviewed on a regular basis, to ensure
it remains suitable and provides the investment return needed for your financial plan
Investment platform
11. Use of an investment platform
• The Financial Planning Group use a WRAP platform to manage
your Investment Portfolio
• The WRAP is a web-based facility that allows us to construct cost-efficient and
consolidated investment portfolios
• The financial products you may have bought in the past - Pensions, ISA’s, Unit Trusts,
Bonds - are taxed in different ways. To allow a cohesive investment strategy which is aligned
to your plan these ‘Tax Wrappers’ can now be managed in one place
• Your online access provides a clear view of your whole investment position. No longer are
you required to think in terms of individual products or plans. Keeping track of your entire
portfolio becomes a simple task, with instant portfolio valuations
• Vastly reduced paperwork and increased efficiency mean that we can focus on
ensuring the correct investment strategy is in place to achieve your objectives
Investment platform
12. Investment platform: online access
Online access to the value of your
investment portfolio.
Login securely to your personal
account to view realtime valuations
of your funds
Investment platform
13. Strategic Partners
• Dimensional Fund Advisers – investment solutions
• Standard Life – platform and service provider
• Voyant – cash flow modeling software
• Oxford Risk – risk profiling
www.dfaeurope.com www.standardlife.com www.planwithvoyant.co.uk www.oxfordrisk.com
Strategic partners
14. Regulatory
• The Financial Planning Group are Authorised and Regulated
by the Financial Services Authority (no.161655) www.fsa.gov.uk/register/firmRefSearch.do
• Treating Customers Fairly www.fsa.gov.uk/smallfirms/tcf/
• Data Protection Act 1998 www.ico.gov.uk/for_organisations/data_protection/the_guide.aspx
• Assessing Suitability Rule https://fsahandbook.info/FSA/html/handbook/COBS/9/2
• The Financial Planning Process – International Standards Organisation 22222 www.iso.org
Regulatory
15. The Financial Planning Group
1 Cambridge Road, Teddington, Middlesex, TW11 8DT
Tel 020 8977 7090 | enquiries@fpgonline.co.uk | www.fpgonline.co.uk
