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.

WELCOME TO TRUE POTENTIAL

Our MissionTo revolutionise the way wealth management is delivered to UK customers.

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.

KEY FACTS ABOUT THE TRUE POTENTIAL GROUP

• Established in 2007 by a management group with extensive experience in UK advice distribution, investment management andfinancialservices technology.

• Provides services and investment solutions to over 22% of the UK’s financialadvisersand their clients*.

• Administrators of more than £88 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 financialeducationmore accessible through its research and free courses available to the public.

*As of December 2013

The True Potential Group of companies has been recognised with several major industry awards: True Potential Adviser ServicesBest Support Service (2014, 2013, 2012) Money Marketing Financial Services Awards True Potential Wealth ManagementBest Use of Technology by an Adviser (2014)Money Marketing Financial Services Awards

True Potential LLPBest Use of Technology by an Adviser (2011) Money Marketing Financial Services Awards

True Potential LLPDeloitte Technology Fast 500 EMEA (2014)

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

Adviser Awards

Adviser Firm of the Year

Adviser Awards

Be� Support Service

Adviser Awards

Be� Use of Te� nology by an Adviser

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.

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 deliverfinancialplansthatare unique and right for you.

And, by having a dedicated True Potential Partner who canhandleallyourfinancialplanning needs, we make managingyourfinancesseamless.

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- facefinancialadvice.• The opportunity to reviewyourfinancial 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.

WHAT SETS US APART

We use a goals-based approach

Our goals-based approachtakes 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 significantamountoftimeworking with you onour value proposition andadvising you on how much you need to invest in order to reach your goals.

For more information aboutour investment philosophy, please ask your Partner for a copy of ‘The Art of Investing’.

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 yourriskprofilethroughanumber of methods and display these in a way that is easily understood. We can also interrogate the riskprofileofyourexistingproducts, 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 financialgoals,wecaninvest 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-efficientaspossible,wecan 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.

When arranging our first appointment with you, we will always try to ensure that we are as fully prepared as possible.

Todothis,wewillconfirmaccess to technology, such as email address and internet connection for the meeting. We will also ask you to gather any relevant details regarding your financesinadvanceofthemeeting and begin to think aboutyourfinancialgoalsand 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,confirmingtheservice being offered and outlining the charges before we begin our 4-stage process.

HOW WE DELIVER OUR UNIQUE ‘BEYOND WEALTH MANAGEMENT’ EXPERIENCE

THE TRUE POTENTIAL WEALTH MANAGEMENT 4-STAGE PROCESS

Understanding your situation

Analysis & design of yourfinancialplan

Ongoing service & information

Presentation of your financialplan

UNDERSTANDING YOUR SITUATION

Where are you now

How we will help you get there: Our recommendation

Where do you want to be: Your Goal

Before making any recommendations, we seek to fully understand your situation. We do this prior to and during our firstmeetingwithyou.

Wewilllooktogatherdetailsonyourpersonalandfinancialcircumstances, 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 oftenanimportantfirststepoverlookedbymany.

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.

ANALYSIS & DESIGN OF YOUR FINANCIAL PLAN

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.

PRESENTATION OF YOUR FINANCIAL PLAN

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.

ONGOING SERVICE & INFORMATION

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.

OurPartnerswillensurethattheyreviewyourfinancialaffairsat 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 beneficialtoyou.Thiscanincluderegulatoryandtax-relatednews or announcements of new products that you may want toconsiderforyourfinancialplan.Allcommunicationwillcome 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.

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 technologywecantrulyconnectpeoplewiththeirfinances.

INVESTING IN THE MODERN WORLD

AccordingtotheOfficeofNationalStatistics,in2013theinternetusageintheUK.

61% of adults now access the internet “on

the go”

82% of adults purchased goods / services online

UK Online spending is the highest in Europe

SocialmediaistheNo.1activity on the internet

48% of adults check facebook when they awake

57% of people talk more online than real life

83% of all households have internet access

73% of adults access the internet daily

Access via mobile devices has doubled since 2010

As one of the UK’s most innovative financialservicesorganisations,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.

WHY WE’RE BEYOND WEALTH MANAGEMENT.

Here’s a quick look at what’s available to you:

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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 clients 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,GeneralInvestmentAccount 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 financesinone 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.

impulseSave® is a registered trademark of True

Potential Investments LLP.

Investment Planning

Reliable wealth management advice and creating the right investment strategy are crucial elements in securing your future financialwell-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 achieveyourfinancialgoals.

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 abalancedanddiversifiedinvestment 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 yourspecificneedsisessential to any wealth management solution.

OUR AREAS OF EXPERTISE

Family Office Services

When it comes to managing yourfinancialaffairs,efficiencyiskey.Manyof 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 familyofficeservices.Thisensures 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 thebiggestfinancialcommitments most of us are likely to make in our lifetime. So if you are a firsttimebuyerorhaveaproperty 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.

www.tpllp.com

Registered Head Office: Newburn House, Gateway West, Newburn Riverside, Newcastle upon Tyne, NE15 8NXLondon Office: 42-44 Grosvenor Gardens, Belgravia, London, SW1W 0EB

T: 0871 700 2007 E: wealthmanagement@tpllp.com

True Potential Wealth Management LLP is authorised and regulated by the Financial Conduct Authority. FSR number 529810. Registered in England and Wales as a Limited Liability Partnership No OC356611.