Buzzacott Financial Planning offers an in-house portfolio management service that was launched in 2008. They currently advise around 25 clients with average portfolio sizes of £450k. Their service provides consolidated investments on one trading platform for simplicity, holds funds with a large custodian, and provides consolidated tax documents. Their portfolios focus on capital preservation and long-term performance using research-backed funds, both passive and actively managed, tailored to each client's goals, risk tolerance, and tax situation. Fees are up to 1% of assets per year for their advice and portfolio management services.

1. Buzzacott Financial Planning
Portfolio Management Service

2. Offering
In house portfolio management service
– Launched towards the end of 2008
Complements our outsourced investment offering
Currently advising around 25 clients
Average portfolio size is around £450k (minimum portfolio size is
£200k)

3. Our Portfolio Management Service
Investments are consolidated on one trading platform providing
clarity, simplicity and reduced paperwork
We advise on investments within various tax wrappers like ISA’s,
pensions, offshore bonds etc
First meeting is free
Funds are held by one of the largest custodians - Pershing Securities
Limited (subsidiary of The Bank of New York Mellon Corporation)
Consolidated tax vouchers are provided

4. Why are we different?
Focus on preservation of capital and long term performance
Portfolios based on academic research by Nobel Laureates as well as
our own in house research
Core portfolios consist of low cost passive funds, exchange traded
funds
Satellite portfolio consists of actively managed funds
Bespoke common sense portfolio construction
We start with reviewing clients existing investments to gain
comprehensive picture of existing holdings and exposure to risk
In house experience of dealing with various discretionary managers

5. Key Considerations in Designing a Portfolio
Client’s goals and objectives
Clients attitude to risk
– Financial capacity and emotional tolerance
– Use tried and tested questionnaire, conversations with clients
Robust investment process
Minimise taxes and cost - low turnover within the portfolio

6. Fee Structure
What does the client pay?
1. Our fee
– Investment management charges (covering our advice) up to 1% pa (no VAT
on top)
2. Other charges
– Passive portfolio charges on average of up to 0.45% pa*
– Active fund charges are higher
– Small trading platform charge of 0.15% pa
*Legal and General passive fund generally speaking has an AMC of 0.75% for retail clients compared to around 0.2% for institutional funds

7. Conclusion – Benefits of our Portfolio Management
Bespoke portfolios – based on risk profile and objectives
Lower cost- know exactly what one is being charged
Well defined and robust investment process- investments with an
underpinning of academic research
Holdings in one place offering simplicity and clarity
Regular reporting to clients
Genuine independent advice
Provide consolidated tax reports
Assets held by one of the safest custodians in the world

8. Disclaimer
This presentation is for general information only and is not intended to be advice to any
specific person. You are recommended to seek competent professional advice before taking or
refraining from any action on the basis of the contents of this publication.
Information and opinions presented in this material have been obtained or derived from
sources believed by Buzzacott Financial Planning to be reliable, but Buzzacott Financial
Planning makes no representation as to their accuracy or completeness. Buzzacott Financial
Planning accepts no liability for loss arising from the use of this material.
Past performance is no guarantee of future results.
Buzzacott Financial Planning is the trading name of Buzzacott Financial Services Limited
which is authorised and regulated by the Financial Services Authority