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

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.

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

KEY FACTS ABOUT THE TRUE POTENTIAL GROUP

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 50 UK (2014)

True Potential LLPDeloitte Technology Fast 500 EMEA (2014, 2013)

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

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

• Provides services and investment solutionstoUKfinancialadvisers andtheirclients.

• Administrators of more than £67 billioninclientassets*.

• Founded ‘The True Potential Centre for Public Understanding of Finance’ in partnership with the OpenUniversityBusinessSchool. TheCentreaimstomakefinancial education more accessible through its research and free coursesavailabletothepublic.

*As of 31 December 2014

UK 2014

In our experience, no two clients are the same and off-the-shelf solutions arerarelysuitable.Therefore,we seek to fully understand your personal or business objectives so thatwecandeliverfinancialplansthatareuniqueandrightforyou.

And, by having a dedicated True Potential Partner who can handleallyourfinancialplanningneeds, we make managing yourfinancesseamless.

All Partners are specially selected based upon their expertise, experienceandtrackrecord.

Partners believe that building lasting relationships with clients, focused around delivering the client’sgoalistheirkeyobjective.

Partners have exclusive access to our strategy fund managers to ensure they remain informed of market events and the latestinvestmentoutlooks.

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 personalgoals.

As a client, you will receive:• Personalised, face-to-face financialadvice.• The opportunity to review your financialaffairsregularly.• The latest news and information on any changes that might affectyourpersonalplans.• Access to leading edge technology thatputsyouincontrol.

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.

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 totake.Wethenblendallofthisinformation to create your personal strategyandroadmap.

YourPartnerwillspendasignificantamount of time working with you onour value proposition and advising you on how much you need to invest inordertoreachyourgoals.

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 recommendedarethemostsuitable.Weascertainyourriskprofilethrough a number of methods and display these in a way that is easily understood.Wecanalsointerrogatetheriskprofileofyourexistingproducts, to ensure that they are correctly invested and, if not, look at where they would better suit your individualneeds.

We have access to a wide range of investment options to meet your needs

Tohelpyouachieveyourfinancialgoals, we can invest 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 planthat’stailoredjustforyou.In addition, to ensure that your investmentsareastax-efficientaspossible, we can take advantage of the various tax wrappers that areavailable.

Retirement

School Fees

Special Holiday

Investment IncomeSpecial Events

New

Hom

eFi

nanc

ial I

ndependence

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.

HOW WE DELIVER OUR UNIQUE ‘BEYOND WEALTH MANAGEMENT’ EXPERIENCE

THE TRUE POTENTIAL WEALTH MANAGEMENT 4-STAGE PROCESS

Understanding your situation

Analysis & design of your financialplan

Ongoing service & information

Presentation of your financialplan

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

Todothis,wewillconfirmaccesstotechnology,suchasemailaddressandinternetconnectionforthemeeting.Wewillalsoaskyoutogatheranyrelevantdetailsregardingyourfinancesinadvanceofthemeetingandbegintothinkaboutyourfinancialgoalsandaspirations.

Then,atourinitialmeeting,wewillexplainour‘BeyondWealthManagement’valuepropositionaswellasdemonstrateit‘live’.

If you are happy for us to proceed, we’ll take you through our Terms of Business,confirmingtheservicebeingofferedandoutliningthechargesbeforewebeginour4-stageprocess.

UNDERSTANDING YOUR SITUATION ANALYSIS & DESIGN OF YOUR FINANCIAL PLAN

Whereareyou now

How we will help you get there: Our recommendation

Wheredoyouwanttobe:YourGoal

After we have gathered all the necessary details from you, we’ll turn our attentiontoanalysingthisinformation.Weusethelatestanalyticaltoolsto understand the breakdown of your existing assets and how these are performingagainstyoursetobjectives.

Webelieveacriticalpartofdesignisensuringthereisamatchbetweenyourgoals, aspirations, attitude to risk and the eventual asset allocation of your investmentplan.

Once we have completed our analysis, we’ll design a recommended strategy, or series of strategies, using the most appropriate investment options from thoseavailable.

We’llalsotakeintoaccountyourtaxsituation,makingsureyourassetsareplacedinthebesttaxtreatmentsallowedintheUK.Whereverpossible,thisiscarriedoutontheTruePotentialWealthPlatform,thusensuringabetterchoiceofinvestments,taxwrappersandvalue.

Before making any recommendations, we seek to fully understand your situation.Wedothispriortoandduringourfirstmeetingwithyou.

Wewilllooktogatherdetailsonyourpersonalandfinancialcircumstances,takingintoaccountyourexistingassetsandresources.Fromthere,we’lldiscussyourgoalsandaspirationsaswellasyourattitudetorisk.Whatwelearnwillformthefoundationforourfutureanalysisandrecommendations.By taking the time to really get to know you and what’s important to you,wecandeliverbetteroutcomes.Wethinkthisapproachnotonlymakessense,butisoftenanimportantfirststepoverlookedbymany.

Weemployagoals-basedinvestmentapproachwhichtakesaccountofyour personal goals and timeframes to achieve these goals, as well as thelevelofriskyouarewillingtotake.Weblendallofthisinformationtocreatearealisticstrategyandaroadmapforreachingyourgoal.

PRESENTATION OF YOUR FINANCIAL PLAN ONGOING SERVICE & INFORMATION

Westartfromthepremisethatthere’snopointinrecommendingastrategythatwecan’texplaineasilyorthatourclientswon’tunderstand.

That’s why we always present our recommendations in a simple and straightforwardway.Youwillalsogetawrittenexplanationofallourrecommendationsinlanguagethat’sdesignedtobeunderstood.These recommendations can be provided to you by email or hard copy, whicheverformatyouprefer.Withyouragreement,wewillimplementtherecommendationforyou.

Wewillalsostoreacopyofourrecommendations,supportinginformationandany other important documents you provide on a secure client site that you can revisitwheneveryoulike.

As a client, you are supported and empowered 24 hours a day, 7 days a week throughyourpersonalisedclientwebsite.

If you want to make any adjustments or if your personal situation changes, you canusethesecuremessagingsystemonyoursitetoreachyourPartnerdirect.Alternatively, you can reach a member of our True Potential team by phone orwriting.Responseisquickandknowledgeable,becauseweareseeingthesameinformationasyouare.

OurPartnerswillensurethattheyreviewyourfinancialaffairsatleastonceayear,byofferingyouface-to-face,phoneorwebinarmeetingswhenrequired.These can be arranged at a time, location and frequency that best suits yourneeds.

Information to empower

As part of our ongoing service, we are committed to keeping you up-to-date withanyinformationorchangesthatmaybebeneficialtoyou.Thiscanincluderegulatory and tax-related news or announcements of new products that you maywanttoconsiderforyourfinancialplan.Allcommunicationwillcometoyouviaoursecuremessagingsystemonyourclientsite,emailorthepost.

Wewillalso,fromtimetotime,seekyourviewsonourservicesandhowyoufeelwearedeliveringthoseservicestoyou.

Feedback is important and helps us ensure that we continue to deliver products andservicesthatareofvalue.Weencourageyoutogiveyourcommentsdirectto your True Potential Partner, or contact us at wealthmanagement@tpllp.com.

Inthelasttwodecades,technologyhasaffectedeveryone’swayoflife.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,andhowwelive.

The speed of this change is unlikely to slow as technology continues to progress,improveandsimplifyitself.Asallgenerationsstarttoengagewithtechnology,morepeopleareleavingtheoldwaysbehind.

ThesamecanbesaidforTruePotential.Throughourtechnologywecantrulyconnectpeoplewiththeirfinances.

INVESTING IN THE MODERN WORLD

AccordingtotheOfficeofNationalStatistics,in2014theinternetusageintheUK.

74% of adults purchased goods / services online

UK Online spending is the highest in Europe

84% of all households have internet access

76% of adults access the internet daily

75% of adults now access the internet “on the go”

Access via mobile devices has doubled since 2010

AsoneoftheUK’smostinnovativefinancialservices organisations, we believe that what we are doing has great value and will help revolutionise the way wealth management is deliveredtocustomersforyearstocome.

Moderntimescallforamodernapproachandthat’swhatwedeliver–allinoneplace.

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,wheneverandwhereveryouchoose.And you’ll have unlimited access on a range of devicesincludingWeb,iPad,iPhone,Android,andevenSmartTV.

We offer a modern approach to wealth management

Tohelpdelivera‘BeyondWealthManagement’experience,wetakeadvantage of True Potential’s award-winningtechnologies.ThisincludesTruePotentialInvestments’WealthPlatform and personalised client sites with impulseSave® - allowing you to top-up your investments at the touch of a button via the web or mobiledevice.

Goal monitoring

Goal monitoring enables you to track your progress and identify any potential shortfall in your investmentstowardsyourgoal. impulseSave®

Top-up your previously advised True Potential accounts at the touch of a button, simplifying your ability to savetowardsyourgoal.YoucanaddtoyourNISA,GeneralInvestmentAccount or TPI Pension on-demand with as little as £1 or as much as you needtocloseyour‘gaptogoal’. Portfolio Details

• Comprehensive view of all the policies and plans we hold for you, including real-time valuations and existingassets.• Ability to drill down into each plan to analyse performance, review asset allocation and portfolio splits,andevaluateattitudetorisk.

Banking

• Option to link up all your bank accounts and credit cards, giving you a consolidated view of your financesinoneconvenientlocation.• Ability to analyse and track spendingacrossmultipleaccounts. Adviser Contact

• Full details on how to reach us, includingtelephone,postandemail.

Client Documents

• Store and view important documentsinoneonlinelocation.• Ability to share documents as needed.•Filesareencryptedandsecure. 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 youradviser. Personal Details

• View all the personal details we haverecordedforyou.• Ability to edit and update informationasneeded.

WHY WE’RE BEYOND WEALTH MANAGEMENT.

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

S

AM

Phone

N

SS

NNNN

SSSSSSSSSSSSSSSSSSSSafari

Real time banking

Secure messaging

Goal tracking

Real time portfolio valuation

Personal details

Client document

sharing

Adviser & firm

contacts

impulseSave® is a registered trademark of True Potential Investments LLP.

Investment Planning

Reliablewealthmanagementadvice 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 achieve your financialgoals.

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 a balancedanddiversifiedinvestmentsolution.

Retirement Planning

Regardlessofwhereyouareinlife,it is important to receive expert and professional advice on your pension plansandrequirements.

Whetheryouneedtosetuporreview existing retirement planning strategies, for you or your employees, we have ways to help you make the most of your retirementopportunities.

Protection for You and Your Assets

Protecting your family and yourself from unforeseen circumstances is essential now and in the years to come.Providingprotectioncoverin 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.Yetwhilemanypeopleareaware of the need for IHT planning, few still do anything about their potentialliability.IHTisjustoneofthe many areas to consider when protecting your family and home - others include Capital Gains Tax, illnessandlossofincome.Assessingtherightprotectionforyourspecificneeds is essential to any wealth managementsolution.

OUR AREAS OF EXPERTISE

Family Office Services

Whenitcomestomanagingyourfinancialaffairs,efficiencyiskey.Manyofourclientshaveothertrusted advisers, such as solicitors and accountants, and we can liaise with them on your behalf as part of our inter-disciplinary familyofficeservices.Thisensuresthat important matters are not missed between advisers and thatworkisnotduplicated.

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 needinonecentrallocation.

Mortgages & Borrowing

A mortgage is one of the biggest financialcommitmentsmostofusarelikelytomakeinourlifetime.Soifyouareafirsttimebuyeror have a property portfolio, having the right mortgage can saveyouthousandsofpounds.

Also, with so many lenders offering such a vast array of products, it is vitally important to seek therightspecialistadvice.

Wecanprovideyouwithaccesstoa great range of products offered bylendersacrossthemarketplace.

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 is authorised and regulated by the Financial Conduct Authority. FSR number 529810.

True Potential Wealth Management LLP are classified as a hybrid advice firm which means we have a mix of advisers giving both independent and restricted advice. In the main, our advice will be restricted to the products and funds available on the True Potential Investments Wealth Platform unless this is not appropriate and we will then search the whole of the market. Beyond Wealth Management service is specifically designed for clients wishing to access their financial affairs online.

Investments can fluctuate in value and investors may not get the amount back they invest. Tax treatment is dependent upon individual circumstances and may be subject to change in the future. Your home may be repossessed if you do not keep up repayments on your mortgage.