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 TrustJohn KendallofIndependent Financial AdvisersLighthouse 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 someMortgages.Lighthouse Financial Advice LimitedWoodrow House78-84 Warren RoadWoodingdeanBrightonBN2 6BA08000 85 85 90

4. AgendaPersonal IntroductionWhy personalised financial advice is so importantAdding value to your planningMy service proposition for clients

5. My BackgroundOxford educated - BA Chemistry

6. Imperial College London - MSc/MBA

7. 30 years in large companies (Unilever ,Thorn EMI) consulting, problem solving, financial reporting, project management, executive reporting, adviser, strategist, implementerAdvised at divisional board level

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

11. Experience of small, medium and large organisationsA Wealth of ExperienceMarriage - 36 years with 2 DaughtersExecutor of 3 Estates and Administrator of 21 Business sale / 1 Buy out of family sharesFormed, traded and dissolved a business7 stock market crashes and recoveriesBecame an IFA after seeing the poor state of the family firm pension schemeA High Net Worth individual as defined by Merill Lynch Cap Gemini World Wealth Report 2010

12. What Do I Do For You?Ensure you have the right amount of money in the right hands at the right time

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 BorrowingsInflation Savings & Investment Tax Planning For Retirement Income & Longevity

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

16. My Financial Planning ProcessEstablish and define our working relationshipUnderstanding your circumstances including goals/aspirations & fears/concernsUnderstanding your financial situationDeveloping & presenting financial planning recommendationsHelping to implement the recommendationsRegular reviews ensuring your financial plans remain appropriateProviding support & guidance when needed

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

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

19. Where & When should you invest?

20. Straightforward AdviceI provide a comprehensive & robust investment serviceAnalyse your attitude to risk with your assets to ensure that you are not overly exposed to risk or invested too safely2. First class asset allocation System3. First class fund & fund manager selection. Professionals to review investments daily.

21. What is your appetite for risk?Assessing risk is part of our everyday lives & we are all used to making risk assessments – from crossing a busy road to taking part in sport

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)

25. Uses Psychometric QuestioningProfiling considers your key investorcharacteristics: Risk sensitivity

26. Desire for profit

27. Tolerance of ambiguity

28. Outlook

29. Horizon

30. Financial awareness

31. Investment experience

32. SuggestibilityStraightforward Advice4. Analysis of the right type of investment approach for you (considering tax, costs, accessibility)5. An overall (holistic) view to help you decide the most appropriate solution –For lifestyle decisions, for the performance and risk you choose.6. Easy access to portfolio valuations7. Regular reviews and monitoring Of your appetite for risk Of the performance of your portfolio Previous decisions match with current lifestyle choices Then Implement changes to help reduce the risk of future income /capital shortfalls

33. Advice Area ExamplesWill you have enough money in retirement? PensionsWhat 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 FundsAre 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)

34. Advice Area Examples Estate Planning – Inheritance Tax, Care Homes, Money running out……….

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

37. Advice Area ExamplesDo you Run a Business ?As you get older how will your involvement in the business change?

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 ?

46. Integrated Advice.Personal / Business financial planningIntegrated Financial Planning Family

47. Business Benefits Directors

48. ShareholdersBusiness Will / Individuals WillsGuaranteed Market for sharesTax PlanningOther Key People Locked inCompany Protected

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

50. Inaction Costs - the 4Ds Planning to meet your goals requires action You have 4 simple choices – all will cost you…Do it Now i.e. do you have the time & knowledge to do this yourself competently

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.

54. Regulatory InformationThe value of investments and the income derived from them may go down as well as up and you may not receive back all the money which you invest.

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 KendallLighthouse Financial AdviceLimited 7 Baldock Road, Letchworth Garden City, Hertfordshire SG6 2EG