Exeter Exeter

16 Southernhay West 15-17 Southernhay East Exeter EX1 1PJ Exeter EX1 1QE Financial and Investment Services DX 8340 Exeter DX 8338 Exeter

T: 01392 270867 T: 01392 424242 The financial services offered include: F: 01392 411286 F: 01392 410925 • Portfolio planning and capital investment, including collective YPN investments, unit trusts, OEICs, investment trusts, ISAs and Ottery St Mary Crediton insurance bonds 7 Broad Street Manor Office, North Street • Retirement planning and pension provision including open Ottery St Mary EX11 1BS Crediton EX17 2BR market options, impaired life annuities and income draw down DX 48750 Ottery St Mary DX 54203 Crediton • Specialist care fee planning - both before and after going into T: 01404 812228 T: 01363 775566 care F: 01404 815270 F: 01363 772706 YOUNG • Advising on cash deposit accounts including fixed rate bonds PROFESSIONALS • Life assurance and income protection policies including critical Sidmouth Budleigh Salterton NETWORK illness cover Albion House, 36 High Street 51 High Street • Inheritance Tax planning in conjunction with the Gilbert Sidmouth EX10 8ED Budleigh Salterton EX9 6LG Stephens LLP Solicitors Private Client department DX 48700 Sidmouth DX 122840 Budleigh Salterton

• Personal taxation advice including the preparation of tax T: 01395 512443 T: 01395 445581 returns and repayment claims F: 01395 515007 F: 01395 446248

• Mortgages including ‘Equity Release’ and ‘Buy to Let’ schemes www.gilbertstephensfs.co.uk • School fees and special needs planning utilising structured [email protected] savings plans

Gilbert Stephens Financial Services Ltd Gilbert Stephens Financial Services Limited is authorised and regulated by the Financial Conduct Authority (no: 579899). 04/15 Gilbert Stephens Financial Services Ltd What do we do? Why is independent advice important? We were established in 1988 as part of Gilbert Stephens LLP Solicitors During our first meeting we will take full details of your personal and Personal finance has become increasingly complicated. It is to complement the high quality legal advice provided to clients. We financial circumstances and establish realistic investment objectives. essential to have professional advice that is both impartial and truly remain a subsidiary company of the LLP. In July 2013 we aquired the On confirmation of your instructions we will research the available independent. Unlike many financial advisers, we are not tied to any financial services business of Symes Robinson & Lee Solicitors when its options from the whole market prior to providing a comprehensive one or more insurance or investment companies. This means our legal practice merged with Gilbert Stephens LLP. Our advisers Marcus report tailored to your individual needs. advice is completely unbiased and covers all of the available options Quick, Wyatt Loake and Carrie Maud have a wealth of experience in the Our report will present a series of recommendations and the reasons across the whole of the market. investment industry. All are qualified Independent Financial Advisers (IFAs) behind each of them. who are able to offer our clients impartial and independent advice on all How is the advice paid for? aspects of investment and financial planning. They are supported by a At this stage, you are under no obligation to take up these proposals. team of qualified para-planners and administration staff who between Any fees incurred will simply be for the research, based on the time Our services are provided on a fee-paying basis. We will give you them have many years experience in financial services work. spent to date. an estimate of the likely charge at our initial interview, based on the complexity and size of your investment portfolio and on the amount Deciding to take up our recommendations is the next step. We will While the company itself has its principal office at Southernhay West in of time likely to be spent dealing with your matter. In addition to the provide you with the appropriate paperwork and ensure that the plans Exeter, Gilbert Stephens LLP Solicitors have offices in Exeter, Ottery St initial fees, an estimate of our ongoing fees will also be provided at this are properly implemented for you. Mary, Sidmouth, Crediton and Budleigh Salterton. Our advisers are able to stage. meet you at any of these offices. Home visits can also be arranged. It is equally important that your investments are regularly reviewed to ensure that they continue to meet your objectives which may Instructing us to work on your behalf Why us? themselves change with the passage of time. For most of our clients we provide a report on the value and performance of their portfolios Once you have decided that you would like us to help you, please As a company we are committed to treating our clients fairly, which means at 12 monthly intervals. This may include further suggestions to take contact us on 01392 270867. We will be pleased to meet you at any of putting your interests first. This doctrine is central to the service which we advantage of changes in legislation and maximise tax opportunities, our offices, or at your home if you prefer. Alternatively, your contact at offer, and a key factor in ensuring that the correct recommendations are or it may simply confirm that the portfolio is performing as it should Gilbert Stephens LLP Solicitors can approach us on your behalf. made for you. The fact that we have no ties to any investment providers and recommend no changes. Our annual charge for this service varies or life companies means that our advice is completely independent and according to the time spent and is offset by any ongoing adviser fees impartial. received, as agreed with you at the outset. Gilbert Stephens Financial Services Ltd