Plan Better. Invest Better. Live Better.

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“Rob helped me to retire from the the civil service in the best way to release funds for house renovation and sorting pensions out together with future income. Very useful advice and tax savings - so far so good!” Dr Hilary WalkerRetired Government Adviser &Ultra Distance Runner & Ironman

Wealth Management for Private Clients, Retirement & Family Wealth.

“ The Wilcocks Brothers have looked after us since around 2001. They have put us on the road to total financial independence and we would recommend them to anyone looking to plan ahead with clarity over their investments, pensions, wills and finances in general. The Clearer program is as they say it is - Bulletproof ”

Frank & Alayne BrennanWallasey

Plan Better. Invest Better. Live Better.

C lear Thinking Discovery

L ifestyle Financial Planning

E vidence Based Investing

A llowance & Tax Planning

R isk Management

E state Planning

R eview

Wilcocks & Wilcocks: Testimonial

“I would recommend Martin and his team at Wilcocks. The manner in which they supported a recent investment made by their client into our business gave rise to a number of complexities during the process which were calmly and professionally managed by Martin’s team, and they ensured that the timing of the investment proceeded to plan. Their approach combined a very positive blend of professionalism and personal engagement, and they demonstrated to me the breadth of their many years of experience”. Martyn Best Wirral

Martyn Best Jon Taylor

“I discovered an investment opportunity in a rapidly growing local business. I discussed opportunities with the owner of the business and needed a way to take money from my existing plans to invest into this opportunity. I was referred to Martin Wilcocks who helped me to understand my option for releasing my investments with current providers and consolidating them into this more exciting opportunity. I would be happy to recommend Martin to anyone looking for investment solutions.”

Jon TaylorOxton

Martin Wilcocks

Wilcocks & Wilcocks: About UsWhy

We know how hard it is to do the day job and keep on top of nurturing a happy family. Being a leader of a family unit isn’t easy. We exist to help grow and protect the wealth of the ones who risk it all - the long hours, stress, ridicule or perhaps even the house - to create something that makes a difference. Not just for themselves, but for their family. We have designed our client journey around wealthy private clients with families, for those who want to see their heirs flourish through multiple generations.

How

To make our clients financially bulletproof, thereby giving them more freedom wehave created CLEARER; a 7 step Wealth Management Program. With CLEARERyou have the time and peace of mind to be able to get on with the job, freeing uptime to do more of the really important and fun stuff. CLEARER is all about listening first, planning second and investment and implementation third. We understand that your personal and professional lives are often intertwined, so we deliver a comprehensive range of services and supportalongside a cohesive strategy that incorporates all aspects of your life. We listen carefully to understand your aspirations, objectives and what’s really important to you. We are there for you every step of the way to ensure you stay on course.

Who

Our most frequent clients are wealthy private clients, families and those who have an eye on their retirement. Clients who may have lost track of the worth of their investments and pensions, or the charges they are paying. Or those who may nottruly understand where their money is invested or what returns are expected. And wecan help those who put personal and family planning aside whilst too busy runningtheir career, and as a consequence may be unsure as to how it’s all going to play out in retirement. We can help you structure your tax affairs efficiently, understand and prepare for the risks of illness or unexpected death, help mitigate inheritance tax and plan for the retention and control of amassed wealth to protect your legacy and your children’s future.

Different

Most financial advisers and wealth managers focus on financial products, particularlyinvestments. We can take care of all that, but our main initial focus is on you and inlinking your goals and core values with your money.We are Evidence Based Advisors.Our investment process is refreshingly simple. It is based on science and evidenceas to eliminate speculation and emotion, which can erode wealth and increase costs.We deploy clever portfolio design, diversification and management of costs toenhance and protect our client’s wealth. And although we can’t guarantee returns,our scientific evidence-based investing strategy has been proven, over manydecades, to work. With investments that work in the background you can spendmore time on with the things that matter most in your life. We will take away thehassle of investment management, all the while keeping you informed and in control.

5 5Featured in:

The Sunday Telegraph, March 2015 The Mail on Sunday, September 2015

The Sunday Times, April 2016We set the business up so we could be impartial. We wanted to be different and deliver value; to love the work we do. Our goal is to build a family business to be proud of. Brothers & Founders of W&W, Martin and Robert Wilcocks were both voted as Top 250 UK Advisers (Vouched For, 2016).

Martin J. Wilcocks DipFA AIPW Robert P. Wilcocks DipFA AIPW

Wilcocks & Wilcocks: Our Values & Company Mission

Integrity

Trust is the most important factor between a client and adviser and we understand that to realise the full benefit of our service, and to provide the right advice, we must build and maintain the trust of our clients’. We promise to act with integrity and to always tell the truth, even if it is uncomfortable to hear.

Passion

We only get one shot at life. We want our clients and staff to have fun, to see the passion in what we do and be enthusiastic about the value we add. We love what we do. We are passionate about our work and seeing it make a difference is what brings fulfillment and satisfaction to our professional lives.

No Regrets

When the game is finally up, we want to look back and smile at what we did, the person we became, what we achieved and what we gave back. We want to remember spending time with loved ones, pursuing that dream or travelling the word. To look back having been in tune with the simpler things in life such as family, personal achievements and community. We believe in taking op-portunities, both big and small, and we want to see our clients embrace these opportunities and realise their potential.

Company Mission

Our mission is to help our clients and their wider families get organised and prosper. Together, we want to make the world a better place for all. To free time for our clients, inspire peace of mind, and to find freedom and fulfillment around money for generations of families; and to have great fun doing it. We believe that we should all serve a greater purpose – the welfare of others. We can all contribute towards solving many of the problems in today’s world.

In our own lives the two key themes have always been around family values and the benefits of entrepreneurship. We care about family; and we care about small business. We believe entrepreneurs are always innovating and as a result they eventually, notwithstanding the inevitable ups and downs, change the world for the better.

They create products and services that take the human race forwards. They come up with new ways of doing things that change the scope of what we thought was best practice; providing value to us all as a result. In our own business, Innovation is at the heart of what we do, and it’s why we spent over 10 years developing our CLEARER program, to support wonderful people who want to make a difference. We encourage all of our clients to think on an Entre-preneurial level even if working within an organisation. We can all contribute no matter what we do or who we do it for.

Giving Back

Our company mission is to help our clients and their families prosper. This is why wehave aligned our company with the UN’s global goals. In particular we value ‘Goalone: No Poverty’. Ending poverty in all its forms, everywhere.

Breaking the poverty cycle that exists for many in the UK and globally will give morepeople the opportunity to start their own business, find employment and provide fortheir family. Along with technological advancements, ending poverty will bring 100’sof millions of new minds and skills to the global economy, which in turn will help theworld achieve all of the UN’s global goals. As Nelson Mandela said:

“In this new century, millions of people in the world’s poorest countries remainimprisoned, enslaved, and in chains. They are trapped in the prison of poverty. It istime to set them free. Like slavery and apartheid, poverty is not natural. It is man-made and it can be overcome and eradicated by the actions of human beings. Andovercoming poverty is not a gesture of charity. It is an act of justice. It is theprotection of a fundamental human right, the right to dignity and a decent life. Whilepoverty persists, there is no true freedom”

For more information and to get involved see http://www.globalgoals.org/

Our values are built around our own journey, and that of the people we support.

Our Journey Together: CLEARER®

StrategyStage 1 – Clear Thinking Discovery

• The purpose of the Discovery session is to help you decide if we are the right adviser for you.• We will ask you about your goals, ideal lifestyle, concerns, core values and ambitions: both personally and for your business.• This includes the E, V and O of our EVOKE process. We Explore, create your Vision, and work together to overcome any Obstacles blocking you. To help we have some structured exercises such as the ‘3 Questions’, ‘Hearts Core Grid’ and ‘LifePlanner’.• We will audit your existing financial situation by looking at your business, personal details, family situation, income, expenditure, savings, investments, pensions, personal insurance and employee benefits.

Stage 2 –Lifestyle Financial Planning

• We will identify your ‘Number’ - the amount of money you need to achieve and maintain your ideal lifestyle.• We will prepare financial statements such as Income & Expenditure, Net Worth, and Cash Flow, to bring clarity and organisation to your finances. We will also look at current levels of investment risk and tax within your plan and consider these in conjunction with what we learnt from Discovery.• We will model different ‘what if’ scenarios to bring to life the information gained from the life planning exercises and your personal audit.• Our strategic advice and recommendations will be impartial and based on your particular situation, documented in a CLEARER report. You will not be obligated to implement any of our recommendations.

A complete inventory of what matters to you, in priority order, with a complete vision on what a fulfilling life looks like to you, & a strategy to overcome possible road-blocks, delivering clarity, purpose and energy.

Typical Outcome

Know & understand your Number. Become financially well organised, with clear prioritised goals.

Typical Outcome

We understand your personal and professional lives are often intertwined, so we deliver a cohesive strategy that incorporates all aspects of your life. Our CLEARER® service is tailored to your specific needs and it works like this:

“If you are busy at home and at work, you really need to be speaking to these guys. They take you through all of the stages, and having been through it we would recommend it to anyone serious about planning ahead.”

James & Kate Quilty Kelsall

ImplementationStage 3 - Evidence Based Investing

• We will explain how markets work, the difference between speculating and investing and how we use science and evidence to gain returns.• We will explain the behaviours required for successful investing and perform a psychometric test to anticipate your risk tolerance.• We will consider the results relative to your plan, goals, and your capacity to take risk before designing your asset allocation & portfolio construction.• We will advise the most suitable products to hold your EBI portfolio, including; pension SIPP, ISA, GIA, Trusts and percentage on/offshore Investment Bonds.

Stage 4 - Allowance Planning

• We will look at the level of income tax you are paying and explore ways to reduce it.• We will analyse your capital gains position and look for ways to minimise and offset any tax.• We will analyse all tax allowances available to you, as well as any tax-favoured investments such as EIS and VCT.• If you own a business we will explore methods of reducing corporation tax and extracting profits and dividends tax efficiently.

Stage 5 - Risk Management

• We will consider catastrophic scenarios such as death or illness and how they could affect your financial plan.• We will consider how these ‘what-if’s’ may affect your family’s current and future lifestyle.• We will ensure a trusted 3rd party can handle your health, well-being, property and financial affairs, should you be involved in a serious accident or suffer an illness that prevents you from acting for yourself.• If you have business or personal insurance needs we will advise on levels of cover and a suitable provider, including; shareholder protection, key person and personal life insurance, whole of life, critical illness, private medical and income protection insurance.

Stage 6 - Estate Planning

• We will ensure your Will & Powers of Attorney are aligned to how you wish to manage and pass on your estate. If you have young children, the people you nominate as guardians will care for them if the worst was to happen.• We will explore the suitability of various lifetime and will trusts to protect your personal and business assets for future generations.• We will discuss gifting and philanthropy and if necessary build a ‘Spending and Gifting Program’ to pass on wealth in a controlled, tax efficient manner.• We will analyse the level of inheritance tax that could become due on your estate and identify and discuss various options for mitigating this tax.

Our Journey Together (continued)

Peace of mind about investing, a portfolio linked to your goal(s), and a typical net gain of £15k p.a. on every £1M invested when compared to competitor portfolios.

Typical Outcome

Maximise pension, ISA and CGT allowances and get back £20K on every £100K of income Tax paid.

Typical Outcome

Protect and maintain the lifestyle of your own life and that of your family members. Ensure you receive the very best health care if serious illness strikes.

Typical Outcome

Pass wealth to children and beneficiaries safely and tax efficiently.

Typical Outcome

Stage 7 - Review

• Our service is designed to last a lifetime. Our on-going relationship will continue for as long as you feel you are receiving value from us.• We will update your plan to reflect any changes in your objectives or circumstances.• We will account for legislation, taxation and economic conditions so that you stay on course.• We realise that sometimes members of your family may face challenges that you would like to help them through. We can discuss your options for any broader family issues as they arise, which could include:

• Care home funding & asset protection (property, savings and investments). • Paying for children or grandchildren’s Education. • Help with property purchase or downsizing. • Debt repayment or capital raising for children

Over the years typical, annual reviews with Financial Advisers were just really about a cup of coffee and catching up on how the family were. Not anymore. Our review process is a serious business where we record hard facts and data about how we have performed over the past 12 months. This is what it looks like:

Our Journey Together (continued)

Remain focused on your plan, on track with goals and avoid emotional mistakes related to wealth.

Typical Outcome

Advise BetterLive Better

Portfolio Valuation - 30 June 2005 Mr Client: £37,862.14Mrs Client: £323,807.99

Profile’s Investment Management Added ValueInvestment return compared to market average:

Asset Allocation

UNCOVER YOUR BUSINESS POTENTIAL Day Four

Income & GrowthMarket value as at 18/07/04 = £375,109.73Market value as at 30/06/05 = £361,670.13% Return this year = - 4.56%% Return life of Investment = + 6.57%

This year + 3% ▲ ( £11,250 better off)Life of investment + 4.2% ▲

Profile Partner Service Scorecard

A/Shares 34.55%

I/Shares 24.99%

F/Int 24.99%

Prop sec 9.34%

Cash 3.21% Dir Prop 2.01%

Core Services Provided• Review of financial objectives (all on-track OR modications made during year)

• Re-balance of asset allocation (within allowable parameters)

• New Pension strategy facilitating move to retirement• 2 Review meetings held during year

Profile Value Added Services - year to date:• Pension Strategy - £3,100 tax saving annually • Compensation due to processing delays - £150

• Error on Prudential statement - £628 • Client Education Seminar - Aug ‘04

• Boardroom luncheon - 7IM • Jupiter Hedge Fund

“When I saw the actual value that Martin and Rob had added over the year it really reminded me how important they are to me.”

Mary Elson

Mary Elson

ReviewStage 7 - Review

• Our service is designed to last a lifetime. Our on-going relationship will continue for as long as you feel you are receiving value from us.• We will update your plan to reflect any changes in your objectives or circumstances.• We will account for legislation, taxation and economic conditions so that you stay on course.• We realise that sometimes members of your family may face challenges that you would like to help them through. We can discuss your options for any broader family issues as they arise, which could include:

• Care home funding & asset protection (property, savings and investments). • Paying for children or grandchildren’s Education. • Help with property purchase or downsizing. • Debt repayment or capital raising for children

Over the years typical, annual reviews with Financial Advisers were just really about a cup of coffee and catching up on how the family were. Not anymore. Our review process is a serious business where we record hard facts and data about how we have performed over the past 12 months. This is what it looks like:

Our Journey Together (continued)

Remain focused on your plan, on track with goals and avoid emotional mistakes related to wealth.

Typical Outcome

Advise BetterLive Better

Portfolio Valuation - 30 June 2005 Mr Client: £37,862.14Mrs Client: £323,807.99

Profile’s Investment Management Added ValueInvestment return compared to market average:

Asset Allocation

UNCOVER YOUR BUSINESS POTENTIAL Day Four

Income & GrowthMarket value as at 18/07/04 = £375,109.73Market value as at 30/06/05 = £361,670.13% Return this year = - 4.56%% Return life of Investment = + 6.57%

This year + 3% ▲ ( £11,250 better off)Life of investment + 4.2% ▲

Profile Partner Service Scorecard

A/Shares 34.55%

I/Shares 24.99%

F/Int 24.99%

Prop sec 9.34%

Cash 3.21% Dir Prop 2.01%

Core Services Provided• Review of financial objectives (all on-track OR modications made during year)

• Re-balance of asset allocation (within allowable parameters)

• New Pension strategy facilitating move to retirement• 2 Review meetings held during year

Profile Value Added Services - year to date:• Pension Strategy - £3,100 tax saving annually • Compensation due to processing delays - £150

• Error on Prudential statement - £628 • Client Education Seminar - Aug ‘04

• Boardroom luncheon - 7IM • Jupiter Hedge Fund

“When I saw the actual value that Martin and Rob had added over the year it really reminded me how important they are to me.”

Mary Elson

Mary Elson

Review

Wilcocks & Wilcocks: Testimonials

“Rob has been our financial adviser for the last 6 years, providing high-quality support and advice, he’s never pushyand is great fun to work with.” Leanne Linacre , Managing Director, LILA

“The financial planning relationship is excellent and gives us real clarity over our financial future.” Victoria Lee, Managing Director , LILA

Victoria Lee

Wilcocks & Wilcocks: Testimonial

“Rob has been our financial adviser for the last 6 years, providing high-quality support and advice, he’s never pushy and is great fun to work with.”

Leanne Linacre Managing Director LILA

Leanne Linacre Victoria Lee

Sisters and Directors of LILA International Language School celebrating 10 years in business

“The financial planning relationship is excellent and gives us real clarity over our financial future.”

Victoria Lee Managing Director LILA

“Martin protected the ownership position within our business by ensuring if the worst was to happen our shareholdings pass back to the company, with equal value going to our beneficiaries via a business trust. He has also protected our profits, such that the company is compensated if either one of us as the key shareholding directors pass away or suffer a life-threatening illness. It’s actually enhanced the value of the company in general terms too and enhanced our sale potential.” Graham Withe, Managing Director , Webtise Ltd

“A refreshing change, Rob is someone who knows what he is doing, and is in it for the long haul. He has helped with pensions, insurance and also some strategic advice which helped grow our business overseas and reduce costs - I would highly recommend him.”

Ross Baigent, CEO, Cataclean Global

“We weren’t working towards any personal financial targets as we were just so busy in our day to day business. Martin worked with us to develop a financial plan that showed us what we needed to do to today, in order to achieve and keep the life we want in the future for us and our families. He has given us total clarity over our future.” Jonathan McHale & Jeffrey Arnold, Directors , Tag Scaffolding Ltd

Wilcocks & Wilcocks: About Us (continued)

Working With Other AdvisersIf you already have other professional advisers in place, it is essential that your financialadviser is able to fit in and work with them effectively. We have a great deal of experienceworking with other professional advisers including accountants, lawyers and corporatefinanciers. We have references from such professionals backing this up.

The Wilcocks Professional NetworkIf you do ever need another trusted professional to deal with a specific issue, we have anextensive and trusted network of contacts we can connect you to. Members of ourprofessional network have complementary skills and expertise. With our guidance, they will work together seamlessly to manage all aspects of your finances.

Specialist ServicesIncluding corporate finance, retirement planning, pensions and property. Whereappropriate, we can help you to tap into the tax benefits associated with your pension topurchase business premises and factories. By using your pension, you can reduce yourfunding costs by as much as 40%. We will guide you through the pensions framework,keeping it clear and simple at all times.

How Much is Enough?It would be nice to know how much is needed for you to retire, semi-retire or simply achieve financial independence. You may have an idea yourself but would like an expert to confirm if you are on the right track and to ensure you haven’t missed anything. We do these calculations for you and we can also deliver smart strategies that may bring that date forward.

Wilcocks & Wilcocks Professional Network

Funding &Finance

TaxPlanning

LegalServices

Accounting Services

BusinessConsulting

HumanResources

Professional Network

CorporateFinance

Specialist Services

Business Premises Acquisition

Asset Finance

Commercial Insurance

Secured & Unsecured Loans

Initial Public Offering

Commercial Mortgages

Specialist Services

BizEquity does not represent or endorse the accuracy or reliability of any advice, opinion, statement or any other information displayed or distributed through this report or its website. The estimates and data contained herein are made using the information you provide, publicly available information and data, and rules of thumb for different industries. BizEquity has not audited or attempted to confirm this information for accuracy or completeness. This report should not be used to obtain credit or for any other commercial purposes. This report is the intellectual property of BizEquity and the information provided herein is provided for your internal use only and may not be copied or redistributed for any reason. Your use of this report and the information provided herein is also subject to the online terms of use and privacy policy of BizEquity.

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LEVEL 1 LEVEL 2 LEVEL 3 LEVEL 4

Value Map

Our goal is to help entrepreneurs “climb the valuation mountain” illustrated above to the highest level possible by internalizing certain key valuation and operational concepts associated with discovering, monitoring and optimizing business value. Every business will go through stages of development and hopefully growth, and we want to be a driver of this process. Once the basics of business valuation are understood, the path towards enhancing value will become clearer and more “real” in the eyes of the owner.

Businesses of all types and sizes get business valuations because they are interested in discovering what their most valuable asset is worth. Taking this first step is a critical one, but only the first. Having “discovered” the business value, the next steps towards proactively managing value involve monitoring and optimizing the value of your company.

One central theme that is as simple as it is important concerns the so-called “size effect” or “size premium”. It is an empirical fact that companies with higher revenues and earnings are worth more than their smaller counterparts. Achieving “exponential” value growth is possible due to the dual impact of higher earnings, e.g. higher earnings will directly increase value at any multiple – AND higher earnings will alone lead to a higher valuation multiple.

Exponential Business Value

1X

< 500K 500K- 2MM 2MM- 10MM 10MM+

3X 5X 10X

£ £ £ £ £ £

04/04/16 Powered by BizEquity

Business Valuation Report

BizEquity does not represent or endorse the accuracy or reliability of any advice, opinion, statement or any other information displayed or distributed through this report or its website. The estimates and data contained herein are made using the information you provide, publicly available information and data, and rules of thumb for different industries. BizEquity has not audited or attempted to confirm this information for accuracy or completeness. This report should not be used to obtain credit or for any other commercial purposes. This report is the intellectual property of BizEquity and the information provided herein is provided for your internal use only and may not be copied or redistributed for any reason. Your use of this report and the information provided herein is also subject to the online terms of use and privacy policy of BizEquity.

MLC partners04 April 2016

BusinessValuation

Wilcocks & Wilcocks: Testimonial

“We left it and left it and eventually followed our accountants advice and went in to see Martin. I can’t tell you how good it feels to have done so. Over the last year we have worked out what we need to put aside from the company to build our future retirement pots, reduced the company corporation tax, and our personal tax bills, organised our pensions and arranged wills with our wives that include a business trust to eventually pass everything on safely and tax efficiently to our families. Working with Martin has been a breath of fresh air and we would recommend him to any other business owner who want these things taken care of but like us just didn’t have the time to sort it out.”

Adam Mullin & Collin Doran Managing Partners Solutions in Service Ltd

Collin DoranAdam Mullin Sarah Evans Emma DoranMartin Wilcocks

0845 200 4041 info@wilcocksandwilcocks.co.uk www.wilcocksandwilcocks.co.uk

Liverpool Office 8 Water Street Liverpool L2 8TD

London Office1 Fore StreetLondonEC2Y 5EJ

Our GuaranteeWe are passionate about providing value for our clients. If a client believes that we have offered no value, we will provide a full refund of fees charged - no questions asked.

Wilcocks & Wilcocks is a trading style of Wilcocks & Associates Ltd a company registered in England No. 06805421. Authorised by the Financial Conduct Authority (FCA) and entered on to the Financial Services Register No. 501064 to conduct investment advisory business. The value of your investments can fall as well as rise and you may get back less than the amount you invest. Past performance is not a guide to future performance.

“I have confidence in both your ability as advisers, and in the advice you provide. I have no hesitation in introducing clients to Martin & Rob.”

Fergal O’Cleirigh Partner & Head of Commercial, Bermans Solicitors

“Martin and Rob are both fantastic advisers, I ’ve known them for over 15 years. They look after my entire financial position, including my estate, retirement and investment plans and do a great job.” Frank Brennan Director, Safety Lane Ltd

“I contacted Martin, having met a number of other financial advisers, with the intention of finding somebody I knew I could trust to refer our clients to. He has now added value in many ways for my clients and the service has been excellent.”

Paul White Managing Director, APH Accountants

“I have to say I found Martin to be highly professional, knowledgeable and capable.”

Dr Richard Azurdia Private Consultant & Head of Dermatology, Liverpool NHS

“I suggest Martin’s service to other business people I know all the time. He is always thinking of my needs and what I want to achieve. He focuses on what things could be if that makes sense. It rubs off on me very well and he encourages me to think big.” James QuiltyDirector, Kelsall Service Station Ltd

“Martin is the consummate professional who always puts his clients needs first. He has helped us plan a number of significant UK and offshore projects on behalf of myself and my business partner Joe Dwek CBE.” Roy KennyDirector, Verum Victum Healthcare Ltd