This document summarizes information about True Potential Wealth Management and the services they provide. In 3 sentences: True Potential Wealth Management offers holistic financial planning services using goal-based investing approaches and latest technology. They provide ongoing client support through personalized online client portals. The company is part of the larger True Potential Group which has won numerous industry awards for its use of innovative financial technology.

2. We continually search for better value and
choice, and are agile enough to respond to
opportunities quickly.
As a result, our clients become better informed,
confident and empowered to reach their
financial goals.
We achieve this by using the latest technology to
provide straightforward and transparent advice in
a simple and convenient way.
We make no compromise.
We are Beyond Wealth Management.

3. WELCOME TO TRUE POTENTIAL
We are part of the highly-successful True Potential
Group and offer wealth management services to
private clients, trustees and businesses throughout
the UK. We have offices in London and Newcastle
upon Tyne.
Our Mission
To revolutionise the way wealth
management is delivered to
UK customers.

4. KEY FACTS ABOUT THE
TRUE POTENTIAL GROUP
The True Potential Group of
companies has been recognised
with several major industry awards:
True Potential Adviser Services
Best Support Service
(2014, 2013, 2012)
Money Marketing Financial
Services Awards
True Potential Wealth Management
Best Use of Technology by an
Adviser (2014)
Money Marketing Financial
Services Awards
True Potential LLP
Best Use of Technology by an
Adviser (2011)
Money Marketing Financial
Services Awards
True Potential LLP
Deloitte Technology Fast 50 UK
(2014)
True Potential LLP
Deloitte Technology Fast 500
EMEA (2014, 2013)
True Potential Investments
Leading Integrated Planning Tool
with Morningstar (2013)
Aberdeen UK Platform Awards
True Potential Investments
The Platforum’s Best Adviser
Platform (2013)
True Potential Investments
Best New Platform (2012)
Aberdeen UK Platform Awards
• Established in 2007 by a
management group with extensive
experience in UK advice distribution,
investment management and
financial services technology.
• Provides services and investment
solutions to UK financial advisers
and their clients.
• Administrators of more than £67
billion in client assets*.
• Founded ‘The True Potential
Centre for Public Understanding
of Finance’ in partnership with the
Open University Business School.
The Centre aims to make financial
education more accessible
through its research and free
courses available to the public.
*As of 31 December 2014
UK 2014

5. In our experience, no two clients are
the same and off-the-shelf solutions
are rarely suitable. Therefore,
we seek to fully understand your
personal or business objectives so
that we can deliver financial plans
that are unique and right for you.
And, by having a dedicated
True Potential Partner who can
handle all your financial planning
needs, we make managing
your finances seamless.
All Partners are specially selected
based upon their expertise,
experience and track record.
Partners believe that building
lasting relationships with clients,
focused around delivering the
client’s goal is their key objective.
Partners have exclusive access
to our strategy fund managers
to ensure they remain informed
of market events and the
latest investment outlooks.
Aligned with their passion for
technology-led wealth management,
Partners deliver a service that is
simple to understand, effective in
its delivery and unique to your
personal goals.
As a client, you will receive:
• Personalised, face-to-face
financial advice.
• The opportunity to review your
financial affairs regularly.
• The latest news and information
on any changes that might
affect your personal plans.
• Access to leading edge technology
that puts you in control.
WHY WORK WITH US?
For private clients throughout the UK who seek
to be better informed and empowered to reach
their financial goals, we offer a unique approach
to wealth management. Unlike other financial
advisory firms, we take technology further. Through
the use of True Potential’s award-winning systems,
we provide our clients with straightforward and
transparent advice in a simple and convenient way.

6. WHAT SETS US APART
We use a goals-based approach
Our goals-based approach
takes account of your personal
goals, timeframes to achieve these
goals, and the level of risk you wish
to take. We then blend all of this
information to create your personal
strategy and roadmap.
Your Partner will spend a significant
amount of time working with you on
our value proposition and advising
you on how much you need to invest
in order to reach your goals.
Our planning tools ensure your
investment goals are realistic
By correctly understanding your
appetite for risk, we can ensure
that the goals you set are realistic
and the investment strategies
recommended are the most suitable.
We ascertain your risk profile
through a number of methods and
display these in a way that is easily
understood. We can also interrogate
the risk profile of your existing
products, to ensure that they are
correctly invested and, if not, look
at where they would better suit your
individual needs.
We have access to a wide range
of investment options to meet
your needs
To help you achieve your financial
goals, we can invest your capital
within innovative risk-based
strategies from leading investment
managers or we can access
investments from the whole of
the market to create a bespoke
plan that’s tailored just for you.
In addition, to ensure that your
investments are as tax-efficient as
possible, we can take advantage of
the various tax wrappers that
are available.
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We believe that the biggest risk our clients face is the risk
of not hitting their goals. For us, setting a goal is the
single-most important step in creating your financial plan.
That’s why your True Potential Partner will take the time to
uncover the real reasons why you are saving and produce a
plan that meets your needs.

7. HOW WE DELIVER OUR
UNIQUE ‘BEYOND WEALTH
MANAGEMENT’ EXPERIENCE
THE TRUE POTENTIAL
WEALTH MANAGEMENT
4-STAGE PROCESS
Understanding
your situation
Analysis & design of your
financial plan
Ongoing service
& information
Presentation of your
financial plan
When arranging our first appointment with you, we will always try to
ensure that we are as fully prepared as possible.
To do this, we will confirm access to technology, such as email address and
internet connection for the meeting. We will also ask you to gather any relevant
details regarding your finances in advance of the meeting and begin to think
about your financial goals and aspirations.
Then, at our initial meeting, we will explain our ‘Beyond Wealth Management’
value proposition as well as demonstrate it ‘live’.
If you are happy for us to proceed, we’ll take you through our Terms of
Business, confirming the service being offered and outlining the charges
before we begin our 4-stage process.

8. UNDERSTANDING YOUR SITUATION ANALYSIS & DESIGN OF YOUR FINANCIAL PLAN
Where are
you now
How we will help you get there:
Our recommendation
Where do you want to be: Your Goal
After we have gathered all the necessary details from you, we’ll turn our
attention to analysing this information. We use the latest analytical tools
to understand the breakdown of your existing assets and how these are
performing against your set objectives.
We believe a critical part of design is ensuring there is a match between your
goals, aspirations, attitude to risk and the eventual asset allocation of your
investment plan.
Once we have completed our analysis, we’ll design a recommended strategy,
or series of strategies, using the most appropriate investment options from
those available.
We’ll also take into account your tax situation, making sure your assets are
placed in the best tax treatments allowed in the UK. Wherever possible, this
is carried out on the True Potential Wealth Platform, thus ensuring a better
choice of investments, tax wrappers and value.
Before making any recommendations, we seek to fully understand your
situation. We do this prior to and during our first meeting with you.
We will look to gather details on your personal and financial circumstances,
taking into account your existing assets and resources. From there, we’ll
discuss your goals and aspirations as well as your attitude to risk. What we
learn will form the foundation for our future analysis and recommendations.
By taking the time to really get to know you and what’s important to
you, we can deliver better outcomes. We think this approach not only
makes sense, but is often an important first step overlooked by many.
We employ a goals-based investment approach which takes account of
your personal goals and timeframes to achieve these goals, as well as
the level of risk you are willing to take. We blend all of this information
to create a realistic strategy and a roadmap for reaching your goal.

9. PRESENTATION OF YOUR FINANCIAL PLAN ONGOING SERVICE & INFORMATION
We start from the premise that there’s no point in recommending a strategy
that we can’t explain easily or that our clients won’t understand.
That’s why we always present our recommendations in a simple and
straightforward way. You will also get a written explanation of all our
recommendations in language that’s designed to be understood.
These recommendations can be provided to you by email or hard copy,
whichever format you prefer. With your agreement, we will implement the
recommendation for you.
We will also store a copy of our recommendations, supporting information and
any other important documents you provide on a secure client site that you can
revisit whenever you like.
As a client, you are supported and empowered 24 hours a day, 7 days a week
through your personalised client website.
If you want to make any adjustments or if your personal situation changes, you
can use the secure messaging system on your site to reach your Partner direct.
Alternatively, you can reach a member of our True Potential team by phone
or writing. Response is quick and knowledgeable, because we are seeing the
same information as you are.
Our Partners will ensure that they review your financial affairs at least once a
year, by offering you face-to-face, phone or webinar meetings when required.
These can be arranged at a time, location and frequency that best suits
your needs.
Information to empower
As part of our ongoing service, we are committed to keeping you up-to-date
with any information or changes that may be beneficial to you. This can include
regulatory and tax-related news or announcements of new products that you
may want to consider for your financial plan. All communication will come to
you via our secure messaging system on your client site, email or the post.
We will also, from time to time, seek your views on our services and how you
feel we are delivering those services to you.
Feedback is important and helps us ensure that we continue to deliver products
and services that are of value. We encourage you to give your comments direct
to your True Potential Partner, or contact us at wealthmanagement@tpllp.com.

10. In the last two decades, technology has affected everyone’s way of life.
The brand names illustrated above are well known to all in the modern world
and have changed the way we do things; how we interact, how we make
purchases, and how we live.
The speed of this change is unlikely to slow as technology continues to
progress, improve and simplify itself. As all generations start to engage
with technology, more people are leaving the old ways behind.
The same can be said for True Potential. Through our technology we can truly
connect people with their finances.
INVESTING IN THE MODERN WORLD
According to the Office of National Statistics, in 2014 the internet usage in the UK.
74% of adults purchased
goods / services online
UK Online spending is
the highest in Europe
84% of all households
have internet access
76% of adults access
the internet daily
75% of adults now access
the internet “on the go”
Access via mobile devices
has doubled since 2010

11. As one of the UK’s most innovative financial
services organisations, we believe that what
we are doing has great value and will help
revolutionise the way wealth management is
delivered to customers for years to come.
Modern times call for a modern approach and
that’s what we deliver – all in one place.
Unique in the UK and exclusive to clients of
True Potential, our client sites allow you to view
all your investments and bank accounts in one
place, whenever and wherever you choose.
And you’ll have unlimited access on a range of
devices including Web, iPad, iPhone, Android,
and even Smart TV.
We offer a modern approach to
wealth management
To help deliver a ‘Beyond Wealth
Management’ experience, we take
advantage of True Potential’s award-
winning technologies. This includes
True Potential Investments’ Wealth
Platform and personalised client
sites with impulseSave®
- allowing
you to top-up your investments at
the touch of a button via the web or
mobile device.
Goal monitoring
Goal monitoring enables you to
track your progress and identify any
potential shortfall in your
investments towards your goal.
impulseSave®
Top-up your previously advised True
Potential accounts at the touch of a
button, simplifying your ability to
save towards your goal. You can add
to your NISA, General Investment
Account or TPI Pension on-demand
with as little as £1 or as much as you
need to close your ‘gap to goal’.
Portfolio Details
• Comprehensive view of all the
policies and plans we hold for you,
including real-time valuations and
existing assets.
• Ability to drill down into each plan
to analyse performance, review
asset allocation and portfolio
splits, and evaluate attitude to risk.
Banking
• Option to link up all your bank
accounts and credit cards, giving
you a consolidated view of your
finances in one convenient location.
• Ability to analyse and track
spending across multiple accounts.
Adviser Contact
• Full details on how to reach us,
including telephone, post and email.
Client Documents
• Store and view important
documents in one online location.
• Ability to share documents as
needed.
• Files are encrypted and secure.
Secure Message
• 2-way messaging system allowing
instant and secure communication,
no need to go to separate email
system.
• Simple way to send important and
sensitive documents direct to
your adviser.
Personal Details
• View all the personal details we
have recorded for you.
• Ability to edit and update
information as needed.
WHY WE’RE BEYOND WEALTH MANAGEMENT.
Here’s a quick look
at what’s available to you:
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Safari
Real time
banking
Secure
messaging
Goal
tracking
Real time
portfolio
valuation
Personal
details
Client
document
sharing
Adviser
& firm
contacts
impulseSave®
is a registered trademark of
True Potential Investments LLP.

12. Investment Planning
Reliable wealth management
advice and creating the right
investment strategy are crucial
elements in securing your future
financial well-being.
If you are looking to invest for
income or growth, we can provide
the quality advice, comprehensive
investment solutions and ongoing
service to help you achieve your
financial goals.
Our carefully constructed, risk-rated
strategy funds enable you to spread
your investments across a wide
range of global asset types and
choose fund managers with different
investment styles to create a
balanced and diversified investment
solution.
Retirement Planning
Regardless of where you are in life,
it is important to receive expert and
professional advice on your pension
plans and requirements.
Whether you need to set up or
review existing retirement planning
strategies, for you or your
employees, we have ways to help
you make the most of your
retirement opportunities.
Protection for You and
Your Assets
Protecting your family and yourself
from unforeseen circumstances is
essential now and in the years to
come. Providing protection cover
in the various forms of life, critical
illness and disability solutions is
one of the fundamentals of our
partnership.
Gone are the days when Inheritance
Tax (IHT) only affected the very
wealthy. Yet while many people are
aware of the need for IHT planning,
few still do anything about their
potential liability. IHT is just one of
the many areas to consider when
protecting your family and home
- others include Capital Gains Tax,
illness and loss of income. Assessing
the right protection for your specific
needs is essential to any wealth
management solution.
OUR AREAS OF EXPERTISE
Family Office Services
When it comes to managing your
financial affairs, efficiency is key.
Many of our clients have other
trusted advisers, such as solicitors
and accountants, and we can
liaise with them on your behalf
as part of our inter-disciplinary
family office services. This ensures
that important matters are not
missed between advisers and
that work is not duplicated.
Plus, through the use of True
Potential’s technology, we can offer
these professionals a system that
allows them to upload and store your
important deeds and agreements
directly to your True Potential client
site so you can view everything you
need in one central location.
Mortgages & Borrowing
A mortgage is one of the biggest
financial commitments most of us
are likely to make in our lifetime.
So if you are a first time buyer
or have a property portfolio,
having the right mortgage can
save you thousands of pounds.
Also, with so many lenders offering
such a vast array of products,
it is vitally important to seek
the right specialist advice.
We can provide you with access to
a great range of products offered
by lenders across the marketplace.

13. www.tpllp.com
Registered Head Office: Newburn House, Gateway West, Newburn Riverside, Newcastle upon Tyne, NE15 8NX
London Office: 42-44 Grosvenor Gardens, Belgravia, London, SW1W 0EB
T: 0871 700 2007 E: wealthmanagement@tpllp.com
True Potential Wealth Management is authorised and regulated by the Financial Conduct Authority.
FSR number 529810.
True Potential Wealth Management LLP are classified as a hybrid advice firm which means we have a mix of advisers giving both
independent and restricted advice. In the main, our advice will be restricted to the products and funds available on the True Potential
Investments Wealth Platform unless this is not appropriate and we will then search the whole of the market. Beyond Wealth Management
service is specifically designed for clients wishing to access their financial affairs online.
Investments can fluctuate in value and investors may not get the amount back they invest. Tax treatment is dependent upon individual
circumstances and may be subject to change in the future. Your home may be repossessed if you do not keep up repayments on
your mortgage.