DREAM BIG let us help you to create your vision - Kubera Wealth

DREAM BIG
let us help you to create your vision

BUILD A PLAN
put a financial plan around your dreams

TAKE ACTION
implement your plan and
  transform your future

ENJOY LIFE

AND GOOD THINGS
WILL HAPPEN

THE TRADITIONAL ADVICE MODEL IS BROKEN

                                                 Revolving door on talent
                                                 The traditional model does not reward
                                                 ‘Advisers’ for building long-term
                                                 relationships. This often leads to a
                                                 revolving door on talent.
Remuneration drives
behaviour
‘Advisers’ at banks and many large
financial institutions are paid for
‘sales’. Incentives cause a conflict
and can lead to poor outcomes.
Products are sold to clients rather
than advice being given.

                                       Bluecoat Wealth Management. Plan for a better tomorrow.

over	
  225	
  years	
  experience!

With a background in banking,
we decided there must be a
better way.	
  

OUR	
  EXPERT	
  TEAM	
  APPROACH

•       Specialist	
                                                                                                 •   Specialist	
  Tax	
  
        Legal	
  Adviser                         Investment	
             Tax	
  Planning                                Adviser
                                                Management

                                Strategic	
  	
                                             Wills	
  &	
  	
  
                                Planning                      THE	
  CLIENT                 Trusts

                                                    Banking               Legal	
  Advice
    •    Specialist	
                                                                                            •   Specialist	
  
         Financial	
  Adviser                                                                                        Investment	
  
                                                                                                                     Adviser

Strategic Wealth Management
FAMILY	
  GOVERNANCE	
  PLAN           THE	
  WISEWEALTH	
  ®	
  FINANCIAL	
  PLAN     WEALTH	
  STRUCTURING

                                                  THE	
  GIFTBOOK®

                                   THE	
  FAMILY	
  /THE	
  FAMILY	
  FINANCES

TRUST	
  &	
  ESTATE	
  PLANNING                                                     INVESTMENT	
  MANAGEMENT

DISCOVERY  MEETING  &  GIFT  BOOK™
                                                        We will meet to discuss the  client’s  ideas
                                                    2   captured in the Gift Book™,  including their
                                                        personal and financial goals. This information
  1                                                     will form the foundation of their plan.

INITIAL DISCUSSIONS
Following on from our initial
discussions the client will be asked                                            ANALYSIS OF AFFAIRS & ASPIRATIONS
to provide relevant financial                                           3       Next we will evaluate the  client’s  current
information and given the Gift                                                  financial status and explore the possibilities.
Book™  to complete.                                                             We use Lifetime Cashflow analysis and mind
                                                                                mapping to help the client to make decisions
                                                                                about their future.

                5
            MONITOR AND REVIEW                                           IMPLEMENTATION
            We will meet with the client at                     4        Once we have presented our
            agreed time intervals to monitor                             recommendations and the client has
            their progress and adjust their plan,                        agreed the action they would like to take,
            taking into account any change in                            we put the plan into place liaising with
            their needs or circumstances                                 product providers on their behalf.

                       WISEWEALTH
                    WISEWEALTH™    process
                                 PROCESS

T H E K U B E R A W E A LT H

GIFT BOOK

A Question
VISUALISE WE ARE SIT T ING HERE T HREE
YEARS FROM TODAY. REFLECT BACK OVER
T HESE T HREE YEARS. YOU ARE HAPPY ABOUT
T HE PERSONAL AND PROFESSIONAL PROGRESS
YOU HAVE MADE OVER T HIS T IME. WHAT HAS
HAPPENED TO MAKE YOU FEEL T HIS WAY?

Investment Portfolio’s

    GETTING IT RIGHT

Advisory Portfolios

•   Most advisers run this model

• They undertake their own research
    and recommend the asset allocation
    and fund selection

•   You need to receive advice and sign
    off any changes to the portfolio

Discretionary Managed Portfolios

 • Sensible advisers run this model
 • We outsource the research, asset
  allocation and fund selection to
  experts

 • They manage the portfolio
  dynamically within set risk
  parameters and can make changes
  without your sign off

Distributor Influenced

  • Fund is created by and run in house
  • Fee’s are not required by legislation to
    be transparent or even in some cases
    disclosed

  • Main revenue source of many large
    advisory firms

Whole of Market

• Fund is created by an independent
  intermediary using the instruments from the
  “whole of the market”

• Fee’s are totally transparent & fully disclosed
• Managers interests are aligned with the
  clients, no conflict of interest

HOW TO DO IT

TOP DOWN
    &
BOTTOM UP

Top Down

• Starts with broad asset allocation decisions
• How much in equities, bonds, property,
  hedge funds etc.

• Then we break the allocation down within
  each sector

• UK, US, Asia, Europe etc

Bottom Up

• Deciding on how to fill the sectors
• Financials, Pharma, Manufacturing
• Then how to transact
• Managed funds, ETFs, direct stock

WE DO WHAT IS BEST FOR THE CLIENT?

T. 0208 868 8886
W. kuberawealth.co.uk
E. info@kuberawealth.co.uk

39 High Street, Pinner, Middlesex HA5 5PJ

                                            Bluecoat Wealth Management. Plan for a better tomorrow.