3. 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.

4. WELCOME TO TRUE POTENTIAL
Our Mission
To revolutionise the way
wealth management is
delivered to UK customers.

5. 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.

6. KEY FACTS ABOUT THE
TRUE POTENTIAL GROUP
• Established in 2007
by a management group
with extensive experience
in UK advice distribution,
investment management
and financial services
technology.
• Provides services and
investment solutions to
over 22% of the UK’s
financial advisers and
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
financial education more
accessible through its
research and free courses
available to the public.
*As of December 2013

7. The True Potential Group
of companies has been
recognised with several
major industry awards:
True Potential
Adviser Services
Best Support Service
(2014, 2013, 2012)
Money Marketing Financial
Services Awards
True Potential
Wealth Management
Best Use of Technology
by an Adviser (2014)
Money Marketing Financial
Services Awards
True Potential LLP
Best Use of Technology
by an Adviser (2011)
Money Marketing Financial
Services Awards
Adviser Awards
Adviser Firm of the Year
True Potential LLP
Deloitte 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
Be Support Service
Adviser Awards
Be Use of Te n ology by an Adviser

8. 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.

9. 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
deliver financial plans that
are unique and right for you.
And, by having a dedicated
True Potential Partner who
can handle all your financial
planning needs, we make
managing your finances
seamless.
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-face
financial advice.
• The opportunity to
review your financial
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.

10. WHAT SETS US APART
We use a goals-based
approach
Our goals-based approach
takes 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
significant amount of time
working with you on
our value proposition and
advising you on how much
you need to invest in order
to reach your goals.
For more information about
our 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
your risk profile through a
number of methods and
display these in a way that
is easily understood. We
can also interrogate the
risk profile of your existing
products, 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
financial goals, 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
plan that’s tailored just for
you. In addition, to ensure
that your investments are as
tax-efficient as possible, we
can take advantage of the
various tax wrappers that
are available.

11. Retirement
School Fees
Special Holiday
Investment Income
Financial Independence
Special Events
New Home
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.

12. HOW WE DELIVER OUR
UNIQUE ‘BEYOND WEALTH
MANAGEMENT’ EXPERIENCE
When arranging our first
appointment with you, we
will always try to ensure
that we are as fully prepared
as possible.
To do this, we will confirm
access to technology,
such as email address and
internet connection for the
meeting. We will also ask
you to gather any relevant
details regarding your
finances in advance of the
meeting and begin to think
about your financial goals
and 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, confirming the
service being offered and
outlining the charges before
we begin our 4-stage
process.

13. THE TRUE POTENTIAL
WEALTH MANAGEMENT
4-STAGE PROCESS
Understanding
your situation
Analysis design of
your financial plan
Ongoing service
information
Presentation of your
financial plan

14. UNDERSTANDING YOUR SITUATION
Before making any recommendations, we seek to fully
understand your situation. We do this prior to and during our
first meeting with you.
We will look to gather details on your personal and financial
circumstances, 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
often an important first step overlooked by many.
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.
Where do you want to be: Your Goal
Where are
you now
How we will help you get
there: Our recommendation

15. 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.

16. 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.

17. 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.
Our Partners will ensure that they review your financial affairs
at 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
beneficial to you. This can include regulatory and tax-related
news or announcements of new products that you may want
to consider for your financial plan. All communication will
come 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.

18. INVESTING IN THE MODERN WORLD
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
technology we can truly connect people with their finances.

19. 83% of all households
have internet access
61% of adults now
access the internet “on
the go”
73% of adults access
the internet daily
82% of adults purchased
goods / services online
Access via mobile devices
has doubled since 2010
UK Online spending is
the highest in Europe
Social media is the No.1
activity on the internet
48% of adults check
facebook when they awake
57% of people talk
more online than real life
According to the Office of National Statistics, in 2013 the internet usage in the UK.

20. WHY WE’RE BEYOND WEALTH MANAGEMENT.
As one of the UK’s most innovative
financial services organisations,
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.
S
AM
Here’s a quick look at
what’s available to you:
Phone
N
S
SafSari
Real time
banking
Secure
messaging
Goal
tracking
Real time
portfolio
valuation
Personal
details
Client
document
sharing
Adviser
firm
contacts

21. 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, General Investment
Account 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
finances in one
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.

22. Investment Planning
Reliable wealth
management advice and
creating the right investment
strategy are crucial elements
in securing your future
financial well-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 financial goals.
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 balanced and diversified
investment 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
your specific needs is
essential to any wealth
management solution.
OUR AREAS OF EXPERTISE

23. Family Office Services
When it comes to managing
your financial affairs,
efficiency is key. Many
of 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
family office services. This
ensures 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
the biggest financial
commitments most of us
are likely to make in our
lifetime. So if you are a
first time buyer or have a
property 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.

24. www.tpllp.com
Registered Head Office: Newburn House, Gateway West, Newburn Riverside, Newcastle upon Tyne, NE15 8NX
London 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.