Caliber Financial Management Ltd

For Professional Advisers

Choosing a firm of Financial Advisers

When deciding on a firm of Financial Advisers to work with, Legal and Accountancy Professionals have
always seen the benefit of Practices that:-

• Will involve you in the advice process (if required) before, during and after Client meetings.

• Provide access to the most suitable products from the whole market - rather than those from a single
company or a restricted range of companies.

• Have Advisers who are completely independent of any commercialties, which may restrict or influence the
advice given. Independent Financial Advisers (IFAs) select from all the products available in the marketplace
- ensuring your clients get a suitable product for their needs, but the Retail Distribution Review currently
being undertaken by the Financial Services Authority is likely to create a new level of Professional Financial
Adviser. Are you prepared for the change?

The new way to choose a Financial Adviser

One way to be certain that you are ready for any change is to build a business relationship with a Practice that already has the proposed qualifications to
be classed as a Professional practice. Caliber Financial Management Ltd is a new breed of Independent Financial Adviser, one of the first to be granted
"Chartered" status.

The benefits of Chartered status

As well as all the benefits you would expect from an Independent Financial Adviser, a Chartered Practice also offers Clients :-

What areas do we advise on?

We provide advice to individuals and businesses. We don't sell and we try not to use jargon. We try to offer
easily understood recommendations based on client needs. These are just some of the areas where we can
help:-

Registered in England & Wales Company Number 6298180

• No set agenda for remuneration through fees or commission - simply
an ethos of Client Agreed Remuneration by whatever method the
Client prefers.

• Objectivity and an authorisation to advise in all financial planning matters

• Professionalism and Competence demonstrated by the highest level
of formal qualification, and a commitment to maintain it.

• A focus on providing advice rather than selling products.

• Integrity and Confidentiality. The security of dealing with advisers that
adhere to a strict code of conduct.

… and you get the security of an Introducer Agreement that anticipates
likely regulatory changes.

• Arranging finances during and after a divorce including pension
sharing and offsetting.

• Protecting families and businesses against the unexpected.

• Using new or existing pensions to plan for retirement.

• Investing money for income or growth.

• Releasing the capital from a home.

• Reducing Inheritance Tax bills.

• Onshore or Offshore investments.

• Paying for Long Term Care costs tax-effectively out of capital.

• Using new or existing pensions to plan for retirement.

• Using business profits to benefit business owners and staff.

• Mortgages and business financing.

• Self Administered and Self Invested pensions.

• Life Assurance, Critical Illness and Income Protection schemes.