Client Services Brochure

At Moorland Mayfair our aim is to make the complex world of financial services

clear, simple and tailored to you.

We offer a personalised service designed to help you achieve your goals.

As independent advisers, we are not restricted to one provider. This allows us

to select the most suitable product to meet our clients’ needs from the entire

financial marketplace; giving our clients peace of mind, knowing they are

receiving the most suitable advice at the highest standard.

The following pages offer an elaboration on these aspects of our business and

explain what you can expect if you become a client of Moorland Mayfair.

In the meantime, if you would like to know more about us, please do not hesitate

to get in touch, or visit our website at www.moorlandmayfair.com

Thank you for your interest

Kyle Jones (DipPFS)

Director

kyle.jones@moorlandmayfair.com

Welcome to Moorland Mayfair Wealth Management

Our vision is to protect clients and their families, while helping to preserve and enhance their wealth.

‘Let us plan today so that your children can have a better tomorrow’

Moorland Mayfair was founded by Kyle Jones with the aim of providing distinctively high quality wealth management.

Our vision is to protect clients and their families, while helping to preserve

and enhance their wealth, by building a strong relationship based on honesty,

integrity and openness. Through our range of services, we work with our clients

to provide them with the advice and guidance they need to achieve their financial

aspirations.

Our service is built around comprehensive financial planning and sound

investment principles. By exploring goals and objectives we deliver a tailored

financial strategy to meet our clients’ needs.

At Moorland Mayfair, we think it’s important to understand our clients and for our clients to understand us.

Based in Cardiff Gate, just 10 minutes away from the heart of Cardiff, we enjoy

an excellent balance between our peaceful, rural location and the energy of the

Welsh capital.

We understand the key to financial planning is the ability to continuously update

your portfolio to suit your changing needs. The team at Moorland Mayfair is

committed to regularly evaluating your investments to make sure our financial

strategy suits your financial plans.

Who are we?

Discovery Meeting

We offer all clients an initial consultation, compliments of Moorland Mayfair

Wealth Management.

Once you decide to proceed with our services, our first meeting typically involves

a ‘fact finding’ exercise. The main purpose of this meeting will be to obtain

as much information as possible relating to your financial circumstances and

objectives. Therefore, it would be advised you bring along details of any policies,

schemes, investments, mortgages, financial outgoings, wills and trusts that you

have.

Research & Analysis

Where necessary, we will forward your authorities to your product providers. The

additional details issued by the provider will be analysed with the information

gathered at the discovery meeting. We may need to refer back to you for further

information.

The next stage will involve us preparing a personal financial planning report

setting out our professional recommendations, explaining why and how they will

help to achieve your objectives.

Recommendation & Implementation

From here we will present our recommendations and proposed course of action

to enable you to achieve your financial goals. On acceptance, the next stage is to

implement the plan.

We will assist you in completing the paperwork and monitor your application

through to policy issue, while making sure you receive any necessary policy

documentation.

Reviews

A further, optional stage, is monitoring your financial plan and reviewing it at

regular intervals. This allows us to make any necessary adjustments and ensures

that you are progressing towards reaching your goals.

How we work Our Review Process

STAGE 1 - Discovery Meeting

We establish your life goals, personal circumstances,

aspirations and concerns for your family.

STAGE 2 - Research

We collect and assess all relevant personal and financial

data and establish your perceived risks.

STAGE 3 - Analysis

We clarify your current position and conduct research to

identify appropriate plans and solutions which will help you

to achieve your objectives.

STAGE 4 - Recommendation

Having completed the preparatory work, we will design and

present a personal report with expert recommendations.

STAGE 5 - Implementation

We agree the plan to implement the strategy to achieve

your objectives over a given period of time.

STAGE 6 - Reviews

We offer levels of on-going service to meet your specific

requirements.

Retirement Planning

How much do you need to save for retirement? Or equally, how much income do

you require in retirement?

Statistically, 54% of the UK population face a shortfall in their required income,

causing them to experience a below expectation standard of living.

Moorland Mayfair works with you to initially establish these retirement goals and

further work toward achieving your target. Regular reviews of your investment

holdings and retirement goals, can ensure that you remain on track.

Our targeted wealth management proposition is flexible and adaptable to any

change in circumstances.

The most common and often detrimental approach, is to bury your head in the

sand or fall exposed to unnecessary risks. Entrust your retirement to regulated,

qualified experts who will seamlessly transition with you through to retirement.

Your options

Understanding your options at retirement is crucial. Many people are unaware

that pensions do not automatically update to reflect new legislation. This means

your retirement arrangements may be considerably outdated and you may be

unable to achieve your retirement goals or leave funds to loved ones.

We can analyse your current arrangements and build a proposal of

recommendations, ensuring your pension savings are in accordance with your

goals and aspirations.

Services

Statistically, 54% of the UK population face a shortfall in their required income, causing them to experience a below expectation standard of living.

Bespoke Solutions

Under our targeted wealth management proposition, Moorland Mayfair will build

bespoke investment proposals, relevant to your objectives and risk profile. Our

solutions aim to maximise tax efficiency and provide a proactive approach to

investment management.

Our investment committee consistently strive to ensure our clients remain at the

forefront of an ever changing marketing place.

Solutions are built to meet specific requirements; provision of school or college fees

for example, or a planned business merger. The service incorporates the full scope of

individual or corporate circumstances and arrangements to create an ongoing financial

plan which is specifically tailored to your needs, no matter the complexity of your

requirements.

Moorland Mayfair’s Model Portfolio Service

Moorland Mayfair’s model portfolio service is constructed under Modern Portfolio

Theory, where the diversification of investments maximises return for a given level of

risk.

The investment committee continuously monitor market behaviour and political news.

At a minimum, on a quarterly basis, the committee will choose to rebalance the portfolio

to continually maximise returns, limit any potential downswing and ensure the portfolio

remains within the allocated risk parameters.

Whilst we appreciate each client’s circumstances differ, the cost effective manner of

the model portfolio service ensures they can be strategically implemented against your

individual goals without detriment to the rest of your portfolio.

Effective Tax Planning

‘Tax doesn’t have to be taxing’ – HMRC

Tax efficiency within your portfolio is integral to the planning proposals we build. Across

a range of retail investment products, we will determine the most efficient ‘wrapper’ to

use as the foundation to meeting your objectives.

‘Inheritance Tax is a voluntary tax paid by those who distrust their heirs more than they dislike the Inland Revenue.’ - Lord Jenkins

Without the correct planning, HMRC could be the largest beneficiary of your

estate.

Inheritance tax paid by UK individuals has increased year on year, the Office for

National Statistics’ figures show receipts by year as follows:

Clearly, even with the increasing ‘nil rate bands’ set by the UK government over

the years, the lack of estate planning means loved ones are potentially losing out

on hundreds of thousands of pounds, unnecessarily.

Working within UK tax law, Moorland Mayfair will ensure the correct planning is

put into place, by utilising a diverse range of vehicles and solutions to minimise or

potentially remove any inheritance tax liability from your estate.

We also offer a range of later life planning solutions, long term care and will

writing services.

Investment Planning Estate Planning

2012-13

£3.104 billion

2014-15

£3.803 billion2013-14

£3.402 billion

The need for protection through life cover, income protection, private medical

insurance and mortgage assurance is significantly underestimated.

How would your family cope after your untimely death, without your income and

support? How would you cope if you lost your job, had an accident or fell seriously ill?

Statistically, the average individual’s savings would last just two months before they

are unable to afford to cover the essentials. Moorland Mayfair offer a range of products

that can protect you during times of hardship by searching the whole of the market.

Workplace Benefits & Corporate Planning

Specialist, hands on solutions that are designed to meet your individual needs and

those of your workforce. Explore our range of strategies and how we can implement:

• Purchase of plant, machinery, assets or commercial property using pension funds

• Inheritance tax reductions

• Strategic, tax efficient capital extraction from your business

• Working capital injections into your business

• Purchase of private shares

• Auto enrolment qualifying workplace pension solutions

• Group protection (death in service schemes)

• Key person insurance/relevant life assurance

Court of Protection & Trustee Services

By utilising bespoke, purpose built solutions, we aid trustees in constructing a

compliant proposition to realise their regulatory requirements.

With extensive industry experience, we have solidified relationships with professionals

through dealing with the Court of Protection, the Office of Public Guardian and the

Court Funds Office.

This area of financial advice requires both an understanding of deputies’ roles, as

well as the knowledge of legal responsibilities and moral duties these professionals

encounter when representing parties during some of the most vulnerable and difficult

times in their lives.

Protection

We offer a range of products to ensure you are protected during times of hardship.

Payment for services

Prior to commencing any aspect of our work we will discuss and agree with you the

services you would like us to deliver and how payment will be made.

We cannot charge you a fee for work completed without your prior agreement.

The different fee areas are summarised below.

Note: The cost of the initial consultation is covered by Moorland Mayfair.

Implementation

During the presentation of your proposal, our adviser will provide a full breakdown of the

implementation cost of the service. This will usually be a percentage of the assets being

invested by Moorland Mayfair.

Fund Management

If you choose to select one of our Moorland Mayfair investment portfolios, an annual fee will

be applied for the management of your portfolio.

The process is straightforward and we simply charge an annual management fee

calculated as a percentage of the value of your portfolio. This charge covers administrating,

transacting, re-balancing and any other costs associated with managing the fund.

Review Service

We offer three service levels for on-going reviews:

Payment for Services

Service Basic Standard Premium

Access to our online personal finance portal

-

Adviser consultations Annual - over the phone Annual - face to face Bi-annual - face to face

Adviser query response timeframe Within 2 business days Within 1 business day Same business day

Cash flow model forecast - Annual Bi-annual

Capital gain tax and tax reporting - -

Market/industry newsletters - Quarterly Monthly

Valuations Annually by post Online & annually by post Online & quarterly by post

ISA top-ups -

Fund switching - -

For a full in-depth break down of our fees see the Moorland Mayfair Client Agreement, available on our website. This will be provided and explained by an adviser at your

discovery meeting.

www.moorlandmayfair.com

Moorland Mayfair Wealth Management

Grosvenor House, Oak Tree Court

Cardiff Gate Business Park

Cardiff

CF23 8RS

02921 880140

www.moorlandmayfair.com

email@moorlandmayfair.com

MoorlandMayfairWM

Moorland Mayfair Wealth Management

Registered in England and Wales, registration No. 09776897.

Authorised and regulated by the Financial Conduct Authority No. 748339.