Financial Advisor presentation on personal finance

1. Financial Planning in the Workplace Presentation by …

4. One of the UK’s foremost financial commentators

5. Money Management

7. When did you last review? Mortgage £?? Per month Loan / Credit Card £?? Per month Savings (Bank) £?? Per month Life Assurance / Critical Illness £?? Per month Savings (Endowment) £?? Per month

17. Life Protection only Sum assured £100,000 – Level term benefit/level premium/ guaranteed rates. Quote based on non-smoker; cover to age 60 Protection Source: Assureweb April 2010 £14.80 £17.50 £8.50 £10.50 £6.00 £7.30 £5.35 £6.67 Female aged 20 Male aged 30 Female aged 30 Male aged 40 Female aged 40 Male aged 50 Female aged 50 Male aged 20

18. Sum assured £100,000 – Level term benefit/level premium/ guaranteed rates. Quote based on non-smoker own occupation; cover to age 60 Critical Illness only Protection Source: Assureweb April 2010 £38.40 Female aged 20 £29.50 Male aged 30 £29.60 Female aged 30 £46.60 Male aged 40 £44.60 Female aged 40 £82.20 Male aged 50 £75.50 £36.00 Female aged 50 Male aged 20

19. Sum assured £100,000 – Level term benefit/level premium/ guaranteed rates. Quote based on non-smoker own occupation; cover to age 60 Source: Assureweb April 2010 Life Protection / Critical Illness combined Protection £17.89 Female aged 20 £28.88 Male aged 30 £28.98 Female aged 30 £45.64 Male aged 40 £43.77 Female aged 40 £80.06 Male aged 50 £73.97 £20.12 Female aged 50 Male aged 20

20. Your Guide to Taxation

21. Your Guide to Taxation “ I believe we should all pay our taxes with a smile – I tried, but they wanted cash!” - Anon

22. Your personal allowance is the amount you can earn each year before paying any tax. Tax is then payable as follows: £0 - £35,000 20% £35,001 - £150,000 40% Over £150,000 50% Inheritance Tax based on tax year 10/11

23. Tax on Capital Assets on Death Inheritance Tax

25. Transfers between Spouses Exemptions First £3,000 each year – annual exemption Small gifts under £250 Marriage - £5,000 To Children £2,500 To Grandchildren £1,000 Other Gift out of income Personal exemption nil rate band £325,000 Inheritance Tax based on tax year 11/12

28. Your Guide to Wills and Estate Planning

35. Your Guide to Investment

42. £5,000 invested for 10 years – Invesco Perpetual Income, with NET income re-invested Your Guide to Investment Past performance will not necessarily be repeated in the future. Capital held in a deposit account is guaranteed not to fall in value, whereas the value of units and income from an equity- based investment can fall as well as rise and is not guaranteed. Equity based investments should be considered as medium to long term investments, therefore if you withdraw in the early years you may not get back your original investment.

44. Thank You

45. Honister Partners Ltd is an appointed representative of Sage Financial Services Ltd. The Financial Services Authority does not regulate taxation advice or will writing. Past performance is not a guide to future performance. The information given is based on our current understanding of Law and Inland Revenue practice. Tax rates and reliefs may change and their value depends on the individual circumstances of the investor. The information provided in this presentation has been provided as information only and does not represent individual advice. It is unrealistic to assume that markets/funds or indexes will perform as they have done in the past. Honister Partners offer advice based on the whole of the market. Honister Partners 62 Anchorange Road Sutton Coldfield West Midlands B74 2PG Telephone: 0845 013 5600 Facsimile: 0121 362 1010 Website: www.honisterpartners.com