The Freedom Programme

The Freedom Programme is an exclusive and on-going programme incorporating sophisticated life, financial, investment, pension and tax planning. We work closely with your professional partners to ensure your financial affairs are managed to enable you to lead the life to which you aspire whilst preserving your family's wealth.

The service includes the following:

 

Life and financial planning

We will work with you to develop and review an advanced, personal life and financial plan, in the process helping you decide where to go from here by quantifying the impact of your options on your long-term finances. Statements of net assets, income, expenditure and a lifetime cash flow form the foundation of your plans, which also incorporate a financial assessment and a risk profile and cover your investment, pension, tax, education, business and estate plans in detail.

Annual and interim reviews

The annual review is essential for achieving your goals. You provide us with an update of your affairs and this forms the foundation for your revised plan and recommendations for the next 12 months. We will carry out less formal, interim reviews each quarter to help you keep on track of your goals.

Access to your planner

You have unlimited, free access to us at any time during business hours by phone, email, video conferencing or face-to-face meeting.

Implementation

With your authority (but subject to any regulatory restrictions) we will implement at no cost our financial recommendations or your requests.

Investment planning

We develop an investment policy with you, and work in partnership with a globally recognised and respected wealth manager to provide you with sophisticated asset allocation, discretionary portfolio management and related financial services on favourable terms. Our partnership with this firm compliments the planning work we do for you, and life goals and financial planning drive the investment process. Capital preservation is achieved by creating a globally diversified portfolio from the widest range of asset classes including cash, fixed interest, equities, property, hedge funds, currencies, commodities and structured products. Our partner will carry out extensive due diligence before introducing an exposure to any "alternative" investments.

Pension planning

We will help you plan and manage retirement strategies, by guiding you through the often complex and time consuming pension regulation and helping you select the most suitable retirement option to maintain your lifestyle with security and tax efficiency.

Tax and estate planning

We will incorporate comprehensive strategies into your plans to reduce your current and future liabilities to income and capital gains taxes. We will provide advice about taking up your tax allowances at the start and end of the tax year. We will work closely with your other advisers to build a comprehensive estate plan, and provide you with detailed figures to show the impact of your estate strategy on your heirs.

Portfolio monitoring and measurement

We will work with our partner to monitor continuously the strategic asset allocation within your portfolio, and to apply regular tactical allocations when necessary and opportune. We will regularly show you the performance of your portfolio and discuss with you the decisions taken on your behalf.

Investment administration

Our investment partner firm is one of the world's strongest financial institutions, and your investment assets will be held in custody with them in an account in your name. In addition to dedicated personal points of contact at our partner firm you will have full online access to your account and receive regular quarterly reporting.

Remove the hassle service

You are welcome at any time to ask us to deal with life's financial hassles that originate in financial institutions and government departments.

Professional liaison

We will liaise with your team of professional advisers and work with them to help you in the achievement of the lifestyle you desire.

Self-assessment

Shortly after the financial year end we will provide your accountant with a consolidated tax certificate and other information necessary to submit your self-assessment.

Update service

Regular (bi-monthly) newsletters or occasional e-mails advise you of important legislative or technical changes and other information that may be to your benefit.

Is the Freedom Programme right for me?

The Freedom Programme will be appropriate for you if you already have good control of your life and money and have either achieved your key financial goals or have firm, realistic plans in place to do so. Being at or close to the top, you will use the Freedom Service to:

• Stay on top, specifically by preserving your financial capital
• Maintain well organised, tax efficient finances
• Achieve profound life goals that may have taken second place to work and children
• You will have significant surplus income, and an established investment or pension portfolio managed to a structured investment strategy.

How much does it cost?

Our Freedom Programme covers the full range of services set out in this document and provides you with access to us so that, whenever you have a concern or query, you can be sure of rapid, professional help.

Clients pay a fee of £565 per month, (from 1 Jan 2011, including VAT at 20%). This fee is fixed for one year, and reviewed at the end of this period, although this does not stop you from terminating our agreement at any time by providing one month's notice in writing.

Fees can be deducted from your current account or any combination of facilities in your portfolio, and we would be pleased to discuss the most suitable way for you.

Client agreement

Clients are asked to sign the Freedom Service Client Agreement, which you should read carefully. You can also download the Freedom service standard.