SUCCESSION GROUP

WELCOME... Financial security in a changing worldSuccession Group is the UK’s largest privately owned Wealth Planning business, delivering rich and rewarding experiences for private and corporate clients, providing tailored Wealth Planning solutions to achieve clients’ financial goals.

Succession is the fastest-growing Wealth Planning brand

in the UK. We are the only Wealth Planning business that

offers independent advice, controlling and owning the

services and solutions that are essential to delivering our

comprehensive, end-to-end Wealth Planning solution.

We share a powerful and privileged connection with clients

who have chosen to engage with our award-winning

services and benefit from our innovative solutions.

Succession Group’s specialist Wealth Planning service

helps clients achieve financial security in a changing

world, where endless global change leaves people feeling

confused, isolated and powerless.

Our Wealth Planning and review services fit seamlessly into

clients’ lives, providing clarity and certainty they can live

the life they desire, without the fear of running out of money.

Our priority is to deliver financial peace of mind for our

clients. We want to ensure our clients are free to live their

lives, safe in the knowledge that their finances are in good

hands.

Rich and rewarding experiences Whether travelling the world, supporting children or

grandchildren with university fees, or simply making sure

family members are safe and secure, a bespoke Succession

Plan clearly sets out the actions to help our clients create

and protect their wealth, and ensure the efficient

distribution of wealth to their chosen beneficiaries.

Professional advice has a vital role to play in creating a

secure financial future for individuals and businesses. We

equip our planners with leading services and solutions,

essential to achieving the financial goals of our clients,

offering three distinct and complementary advice services

to meet the specific and unique needs of our clients:

Succession Wealth Management offers a sophisticated

assessment of an individual’s financial ambitions, views

on risk and key financial milestones, delivering a bespoke

financial plan with tailored recommendations.

Succession Financial Management protects assets,

property, income and health, as well as providing security

for clients in the long term.

Succession Benefit Solutions provides a suite of employee

benefits designed to ensure business owners cater for the

complex needs of staff and management teams with

healthcare, risk benefits, pensions and flexible benefit

solutions.

Choice and independenceOur talented, experienced Wealth Planning professionals

build lasting relationships that span generations. Our advice

is independent, and our financial recommendations are

designed to deliver firm foundations that will last a lifetime.

Our clients’ financial peace of mind is our primary objective.

Our award-winning Wealth Planning platform provides

a broad range of investment options, allowing us to

build tailored investment solutions, designed to meet the

individual needs of our clients.

We want to ensure that our clients’ financial future is secure.

That means no shocks and a clear understanding of what

they have to do to achieve their long-term goals.

The needs and wishes of our clients are at the heart of

everything we do. We build a solution to suit them; never

the other way round.

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BUILDING A SECURE FUTURE...

Private Wealth PlanningWe focus on building lasting relationships with our clients

that span generations and provide a comprehensive range

of services, designed for the long term, to accommodate

the changing requirements of clients as they reach different

life stages. Many of our clients have had the same Wealth

Planner for years, and now their families also use our

services.

Our independent Wealth Planning business provides a

bespoke strategy for clients, to create and protect their

wealth, and ensure its efficient distribution to their chosen

beneficiaries. There is a choice of service levels, determined

by the investment amount and client preference.

Wealth creationAs clients build a career or a business and begin to set aside

money for their future, they need to ensure their capital is

positioned for long-term growth.

We offer one of the widest choices of funds available,

allowing our independent Wealth Planners to build a

bespoke investment portfolio that is appropriate to each

individual client and flexible enough to adapt through time.

We aim to give our clients the best possible chance of

consistent investment returns that reflect modern and

transparent investment and pension facilities that come

with highly competitive charging structures. Some clients

are naturally more cautious than others. Most value

certainty, security and preservation although some are

willing to accept higher risks to target higher returns.

All our investments are made with a keen eye to the levels of

associated risk including capital loss, and also the ravages

of inflation. Our disciplined review process assesses the

quality of investment performance and fund manager skill

ensures that portfolios are managed to the agreed targets

for return and volatility.

Wealth protectionLife doesn’t always work out the way we hope, and it is

important to ensure that protection is in place. Our Wealth

Planners work with clients to identify, then prioritise, affordable

solutions to mitigate the impact of illness, serious injury or

worse on their financial future addressing such concerns as:

- How much should be set aside as an emergency

fund?

- What impact would serious illness or injury have on my

Succession Plan?

- How can I safeguard my family financially in the

event of my death?

- How do I pay my mortgage if I am seriously ill and

unable to work?

Wealth distributionThe UK taxation system is one of the most complex in the

whole world. Succession Wealth Planners help clients

structure their financial affairs in a way that helps to ensure

they pay no more tax than strictly necessary, thus directing

more resources to achieve financial goals.

As clients enter later life, thoughts may start to focus on

passing wealth on to children and grandchildren. Succession

Wealth Planners help clients arrange a tax-free lump sum to

settle any inheritance tax liabilities and to understand the

impact on their own financial plan of gifting cash or assets

to beneficiaries.

Property purchase In most instances, our home is the single biggest investment

we will ever make. The decision we make over how to fund

that purchase is important. There are plenty of options: Fixed

rate or variable mortgage? Repayment or interest-only?

Mortgages can be a minefield without a specialist at your

side, and a Succession Mortgage Adviser provides that

expertise, guiding our clients through the process to select

the most appropriate option.

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Succession for businesses Our highly experienced and expert team of leading

professionals specialise in bespoke financial planning for

corporate clients.

Working alongside our Wealth Planning community they

create and implement successful employee benefit

strategies, delivering tailored solutions designed to protect

the business and the people who work there. We also

create programmes to inform, educate and advise

employees in relation to their personal finances.

We take the time to understand both employers’ and

employees’ needs so that we can recommend and deliver

cost-effective and realistic solutions. Regular reviews

ensure the benefit strategy remains competitive, current

and compliant.

Our tailored consultancy supports all types and sizes of

business, creating bespoke solutions to help employers

reward, retain and recruit employees.

EXPERTISE & PLANNER CREDIBILITY...

Experts in our field

Global best practice has consistently identified professional financial planning as the key to delivering value to clients – not market timing or stock selection. Succession has brought together the expertise, insight and

experience of some of Britain’s leading financial services

professionals to provide bespoke professional Wealth

Planning to individuals and businesses.

Goals-based Wealth Planning is the key to success.

We do not recklessly pursue high returns at an unpalatable

risk. We analyse what is actually needed. Central to our

proposition is our unique ve-step Wealth Planning process:

The Key to Success.

Our comprehensive and integrated system supports

Succession Wealth Planners in meeting the diverse and

changing needs of each client. Specifically, the system

looks to…

- Identify clients’ financial goals.

- Create an appropriate investment strategy based on

these goals, taking account of a client’s attitude to risk

and loss.

- Identify and manage investments with appropriate

oversight.

- Deliver straightforward client communication and

reporting to provide complete confidence that

investments are on track.

Market leading tailored solutions for clients

We make it easy to hold all client investments in one place.

Our technology systems have been designed specifically

around the needs of clients and are designed to take them

through every stage of the Wealth Planning journey.

We believe our comprehensive, tailored solution is

market-leading, providing access to information 24:7.

Our clients can always get access to real-time valuations

and projections, plus details of their transaction history,

correspondence and much more.

Technology has helped revolutionise the way we

communicate with our clients; minute to minute tracking

and updates, integrated compliance standards,

automation and workflow tools accelerate the delivery of

advice.

Award-winning investment proposition

Our Investment proposition is at the very core of our client

services. It is designed to recognise that each client is

different, and that predefined processes and solutions do

not fit all.

The Succession Investment Platform provides an integrated

investment management solution, accessed through a

dedicated investment matrix. This framework delivers a

fully audited, comprehensive, risk-controlled investment

proposition founded on academic research and

emphasising strategic asset allocation, diversification, strict

cost control and where appropriate, automated portfolio

rebalancing.

- We believe in diversification.

- We believe in long term investing.

- We believe in controlling cost.

Independent advice creating firm foundations

We work with clients to deliver a successful investment

experience. We believe that diversification between

different asset classes, markets and industries reduces overall

investment risk and delivers more stable returns. Depending

on their financial goals we recommend a corresponding mix

of assets that produces the most appropriate level of risk

and expected return.

We take a long term view and while some changes may

be necessary, our Investment Committee monitors fund

performance to ensure investments meet clients’ risk and

performance parameters. The value of investments can

fall as well as rise and you may get back less than originally

invested.

Succession Wealth Planners are free to create financial plans,

unconstrained by any obligation, and our recommendations

are entirely free from bias. Whilst we may not believe in

certain types of investment because of their structure or

inherent risks, it is important that we are fully aware of them,

understand the circumstances where they may be relevant

and can advise appropriately where a client already holds,

requests or has a preference for such investments.

In order to provide the widest range of possible strategies

we incorporate all possible combinations of active and

passive stock selection and market-timing within our matrix

of solutions.

National coverage on your doorstep

We recognise that our clients have busy lives and want to

make it as easy as possible for them to see their Wealth

Planner. We believe that an independent Wealth Planning

service should be delivered locally, provided through

personal, face-to-face advice.

Our highly experienced and well qualified Wealth Planning

experts work in offices around the UK, supported by client

servicing teams and technical specialists to deliver financial

clarity and peace of mind.

We continue to invest in our systems, procedures and

people to ensure the enduring quality of the service we

provide. A network of regional client servicing hubs in key

locations provides easy access to our Wealth Planners

and a state-of-the-art Training Academy supports the

continuous professional development of our employees

across the UK.

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‘‘ Our strong network provides world-class Wealth Planning in key strategic locations.’’

SUCCESSION GIVING... A lasting legacy

Since its launch in 2009, Succession has supported local, national and international causes and we are very grateful to our staff and Strategic Partners for their enthusiastic support and participation. It really does make a difference.

The Succession Giving programme launched in September

2015. The theme for 2016 is ‘Children at Home and Abroad’

and will focus on fund-raising for two key charities: Children’s

Hospice South West and Children Change Colombia.

Children’s Hospice South WestChildren’s Hospice South West provides hospice care for

children with life-limiting conditions and their families across

the South West region. Three hospices, Little Bridge House

in North Devon, Charlton Farm in North Somerset and Little

Harbour in Mid Cornwall, provide support for 400 families.

The hospices are very special places, with tailor-made,

family-friendly facilities. They provide a loving and caring

place for each member of the family: a place where

everyone can begin to forget their worries for a while, be a

family again while receiving expert help and support.

Children Change ColumbiaChildren Change Colombia works with vulnerable children

and their families to challenge poverty, inequality,

discrimination and violence. Despite Colombia’s growing

economy and prospects of an end to the long-running

conflict, millions of children still face exclusion from the

opportunities presented by a changing society.

Whether threatened by forced displacement, sexual

exploitation or recruitment into armed groups, whether

denied an education, a loving family or a place to play,

the charity works tirelessly to ensure that every child can

claim their right to a safe and happy childhood and fulfilling

future.

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‘‘ Succession has been a fantastic

friend to Children Change Colombia,

helping children and young people

plan for their futures to make sure

that they remain safe and fulfilled.

Thousands of children are getting a

better education as a result of all the

work that Children Change Colombia

is doing with Succession’s help.

Thousands of them also are being able

to express themselves, in a way that

they haven’t been able to do before,

forming new relationships, making new

friends being able to go out into their

neighbourhoods when before they

were too scared to do so.’’Duncan Millar - Executive Director

‘‘ Succession has given us the ability

to keep supporting and caring for

the children in our local community

with life-limiting and life-threatening

illnesses. Our hospices support the

whole family through uncertain times,

providing them with a haven to give

them time out and time together,

to make really precious memories.

That has been made possible through

your donations which is absolutely

amazing, and we are so grateful to

each and every one of you who has

made that possible.’’Caroline Swain - Media Manager

www.successiongroup.co.uk

T : 01752 762140 — E : in fo@success iongroup.co.uk

Drake Building, 15 Davy Road, Plymouth Science Park, Derriford, Plymouth, Devon PL6 8BY

Succession Group is a trading style of Succession Wealth Management Ltd, which is authorised and regulated by the Financial Conduct Authority.

Succession Wealth Management Ltd is a company registered in England and is owned by Succession Group Ltd. Registered Number: 07882611. Registered Office: Drake Building, 15 Davy Road, Plymouth Science Park, Derriford, Plymouth, Devon PL6 8BY.

FP No 2016-306 – November 2016