4 Factor Focus

We concentrate on four areas that we ideally improve upon when advising clients and
these are as follows:

To reduce taxation

To minimise portfolio costs

To increase returns

To reduce risk and minimise losses

This involves various stages:

1. Income from Capital - looking at the effect of taxation, inflation, growth on your income and capital requirements.
2. Asset allocation - we provide an overview of your assets in terms of the sectors in which you are already invested and a breakdown of your equity holdings. We calculate the likely growth and assess this against the volatility (or risk) associated with your overall portfolio. We can then compare your current profile against an ideal, or balanced, asset mix.
3. Existing fund review - your existing investments are analysed to determine their performance against the sector average, the management style of the fund manager, the funds volatility and it's Standard & Poors and Micropal star ranking.
4. Taxation - all aspects of taxation are discussed including inheritance tax, income tax and capital gains tax. All are taken into consideration when making our recommendations.
5. Cost Review - the costs within your current portfolio are determined including annual management charges and any professional fees.

Evaluation of DOS

Finally, we are in a position to provide a summary of your portfolio and outline any current Dangers, Opportunities and Strengths. This will allow us to work forward together to achieve your objectives.

Discovery 4 Factor Focus Commitment Meeting

Prioritisation and Implementation Course Corrector Results Capture

Within the Company, we currently have the following structure in place to allow us to provide different service levels catered to the requirements of each individual client

• Wealth Management - for clients who have assets, excluding their property, of at least £750,000 who also wish to establish a long term relationship and need ongoing monitoring but whose requirements are more demanding due to the very nature of their wealth.
• Applewood Advisory - for clients who wish to develop a relationship with us over the years ahead and for whom we provide a comprehensive ongoing service for an annual fee
• Applewood Financial - for purely transactional based clients who require a specific product or advice on a specific issue but have no requirement for ongoing servicing

Applewood Asset Management (A Limited Liability Partnership) is authorised and regulated by the Financial Services Authority. Applewood Asset Management is entered on the FSA register (www.fsa.gov.uk/register/) under reference 452261. The FSA regulate advice which we provide on Investment and Insurance business, however they do not regulate advice which we provide purely in respect of taxation matters. Registered Office: Applewood Asset Management LLP, Brooke Court, Lower Meadow Road, Handforth Dean, Wilmslow, Cheshire SK9 3ND. Registered in England and Wales, No: OC316532. VAT Registration No. 884 1704 09.

Terms of Business :: Key Facts about our Services * | Key Facts about the Cost of Our Services
* The following document sets out the Key Facts about our service. This shows our typical terms and conditions; however, we will discuss your preferences, such as how we are paid, when you ask for our advice.