ADDING VALUE FOR YOU AND YOUR CLIENTS

YOURADVICEMATTERS

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With pension reforms helping to lead clients to you, you need the right solutions at your fingertips. Our specialist sales team is here to help you open up the potential for your clients.

And when others are reducing the size of their teams, we’re expanding ours. Whether you’re looking for new advice ideas or ways to deepen relationships with your clients, we’re right here to support you.

AN EXPANDING SPECIALIST SALES TEAM – WOULD THAT BE HANDY?

YOURADVICEMATTERS

INVESTMENTS PENSIONS PROTECTIONVisit: oldmutualwealth.co.uk

Meet the specialist team at: www.oldmutualwealth.co.uk/youradvicematters

In championing the importance of advice, we understand the challenges advisers face in winning new clients and servicing existing clients efficiently and profitably.

A recent survey informed us that 90% of clients acknowledge that they get value from seeing their adviser on a regular basis, with the key benefits being confidence and peace of mind*. Delivering this service level to clients can however be time consuming and expensive.

At Old Mutual Wealth we provide a range of ‘value added’ products and services that help you deliver first class solutions to your clients more efficiently and more cost effectively.

From professional Wealth Management Consultants on the ground, to award-winning tools, solutions and hands-on practical support from the UK industry’s best specialist team, we really are investing to ensure we meet the demands of the changing face of financial services in the UK market.

SCOTT GOODSIRMANAGING DIRECTOR OF UK DISTRIBUTION

INTRODUCTION BYSCOTT GOODSIR

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*Old Mutual Wealth Redefining Retirement Report 2015.

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ADDING VALUE FOR YOU AND YOUR CLIENTS

At Old Mutual Wealth we strongly advocate the universal need for individual financial advice. We work closely with advisers, helping you reduce costs, increase your revenue and manage risk.

We do this by providing platforms, products and services to support and enhance your business, with the ultimate goal of giving you the opportunity to deliver exceptional levels of advice to your clients.

DON’T JUST TAKE OUR WORD FOR IT – we were winners at the 2015 Professional Adviser awards and were voted Simplybiz’s ‘Investment Provider of the Year’.

WE ADD VALUE FOR YOU AND YOUR CLIENTS BY:

Promoting the importance of advice, supporting the relationships 5 you have with your clients

Making it easy for your clients to say yes - helping you deliver great client outcomes 6

Giving you market-leading, client-focused products 8

Creating retirement advice opportunities and flexible retirement solutions 9

Helping you create time within your business 10

Giving you access to the most comprehensive network of first class support 12

Helping you deliver compliant investment solutions, recommended via a robust and repeatable investment process. 14

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PROMOTING THE IMPORTANCE OF ADVICE, SUPPORTING THE RELATIONSHIP YOU HAVE WITH YOUR CLIENTS

Old Mutual Wealth has a long history of supporting financial advisers and we recognise that, for you, the most important relationship you have is with your clients.

To support your advice process we help clients to be engaged with their finances and understand the important choices they need to make. Our belief is that, by recognising the importance of these decisions, they will be more likely to seek the kind of advice you can provide.

In the new world of choice following the pension reforms people need advice more than ever before. Our retirement research and adviser resources can help you to really get to grips with clients’ expectations.

• We can help you obtain new client referrals through our ‘Find an Adviser’ tool.

• We provide you with tax and financial planning support through our technical specialists and through our Knowledge Direct website.

• In association with the Chartered Insurance Institute, our Investment Academy is helping advisers to pass their AF4.

• We are investing significantly in our systems to ensure our platforms are the most flexible in the market.

• We stand up for the financial advice industry and will lobby against and challenge regulatory issues if we believe they are of detriment to you or your clients.

• We recognise that the product your clients buy is as a result of your advice.

90% of people who see a financial adviser on a regular basis feel the advice has benefitted them*.

*Old Mutual Wealth Redefining Retirement Report 2015.

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MAKING IT EASY FOR YOUR CLIENTS TO SAY YES -HELPING YOU DELIVER GREAT CLIENT OUTCOMES

Your clients’ satisfaction is imperative, so we invest heavily in making your clients’ experience of investing with us easy, clear and encouraging.

Being part of the Old Mutual Group means our scale gives us considerable buying power, which we can share with you and your clients by giving them access to a wide range of funds at competitive prices.

• We are a FTSE 100® company with £335.7 billion*of client money under administration, so your clients can have peace of mind knowing that they are investing with a trusted institution.

• We have removed our drawdown and minimum investment charge. There’s now one single, transparent charge that’s easy for clients to understand and doesn’t affect investment decisions.

• We can provide faster access to investment performance by:

– prefunding switches and reducing the time clients’ money is out of the market

– prefunding tax relief of pension contributions, meaning your client’s money is invested for longer.

• We have also built a mobile and tablet-friendly Online Customer Centre giving clients easy access to their investments online. Certain features can be disabled to ensure you stay in control.

* 30 June 2015

We aim to offer the best investment and protection products on the most flexible investment platforms with unbeaten support for you and your clients, at great value.

FASTER INVESTMENT PERFORMANCE

SINGLE INVESTMENT CHARGE

EASY FOR YOUR CLIENTSTO SAY ‘YES’

PREFUNDED SWITCHES AND INVESTMENTS

SINGLE CHARGE

TRUSTED AND SECURE

EASY ACCESS

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From our gold-rated Collective Retirement Account (CRA) which offers true flexibility to clients accumulating and/or accessing their retirement savings, to our award-winning, comprehensive Protect policy, our products are designed with your clients’ needs at heart.

And when it comes to investment solutions, whether you’re looking for freedom of choice or expert guidance, cost efficiency or flexibility, funds to build winning portfolios or solutions to take fund selection out of your hands, our investment proposition has got it covered.

GIVING YOU MARKET-LEADING,CLIENT-FOCUSED PRODUCTS

Our award-winning, comprehensive Protect products are designed with your clients’ needs at heart, with a leading claims history of 95% of critical illness and 100% of life cover claims paid in 2014.

Our CRA is Gold Star Rated by Defaqto with a service rating of 91%* – the highest in the market!

Our five star rated onshore bond, has again received the top star rating from Defaqto*.

Solutions for flexi-access drawdown, capped drawdown, small pots, uncrystallised funds pension lump sum and full encashment.

Whether you’re looking for freedom of choice or expert guidance, cost efficiency or flexibility, we offer funds or managed solutions that help you deliver good client outcomes.

INVESTMENT SOLUTIONS

INCOME WITHDRAWAL

ONSHORE BOND

CRA

PROTECTION

Old Mutual Wealth offers a full range of product wrappers with a consistent fund range and charging structure.

* as at May 2015.

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CREATING RETIREMENT ADVICE OPPORTUNITIES AND FLEXIBLE RETIREMENT SOLUTIONS

Since the pension reforms came into effect, we’ve uncovered a wealth of retirement advice ideas to help you guide your clients to the retirement they want.

These advice ideas include our latest insight into the pension freedoms, such as using small pots legislation, getting money into pensions and exploiting the changes in death benefits. And from day one of the new rules we extended the range of flexible retirement income solutions available to your clients through our CRA.

The CRA delivers all of the following options under the same, single product:

• Flexi-access drawdown.

• Capped drawdown.

• Small pots.

• Taxable lump sums from uncrystallised funds via flexi access drawdown.

• Full encashment.

• The open market option.

• And, most importantly, from a legacy perspective, nominees’ flexi-access drawdown.

This gives you the withdrawal options you need to ensure your clients don’t pay too much in tax, allows your clients to gain access to their money when they need it, and helps them to leave a tax-efficient legacy. All of which is provided at no additional cost.

The CRA is gold star rated by Defaqto, with a pension service rating of 91%*; the highest score achieved across the industry – recognition of leading service following the biggest change to pensions in 100 years.

Ask your Old Mutual Wealth Consultant for your copy of our Life2 boxset, containing clear retirement planning opportunities that will benefit your clients.

* as at May 2015.

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In an ever-changing regulatory landscape it’s crucial that financial advisers stay ahead of the game.

We offer an extensive range of time-saving tools on our platform and adviser website, plus all the support and technical expertise you need to help you maximise opportunities for your clients.

It’s the little things that make a difference, so as well as developing sophisticated tools we look for simple ways to make your life easier – such as increasing the number of ways you can provide us with instructions and making sure that there is someone on- hand to answer your queries.

We give you the option of outsourcing your centralised investment proposition to Old Mutual Wealth which delivers great performance and efficient client reporting.

HELPING YOU CREATE TIME WITHIN YOUR BUSINESS

You can use our powerful planning tools for transfer analysis, capital gains tax calculations and our Retirement Income Explorer tool, which accounts for volatility using stochastic modelling.

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ASSET ALLOCATION (30/9/13)

TOTAL PORTFOLIO HOLDINGS – £8,500.36

UK EQUITIES £1,765.68

Old Mutual BlackRock UK Special Situations

1040.4329628.87

£654.29

Old Mutual Artemis Income2750.4081

267.36£735.34

Old Mutual UK Mid Cap

1920.1689196.09

£376.52

GLOBAL EQUITIES £6,112.36

Asia ex JapanOld Mutual Aberdeen Asia Pacific

1723.5320359.11

£618.93

Old Mutual Invesco Perpetual Asian

1519.4353237.22

£360.44

Old Mutual Greater China Equity

2549.3357245.72

£626.42

Emerging MarketsOld Mutual JPM Emerging Markets4894.5459

126.30£618.18

Europe ex UKOld Mutual Threadneedle

European Select

10657.207257.44

£612.15

Old Mutual Henderson

European Growth

3567.0233184.07

£656.58

Old Mutual European Equity (ex UK)

1142.4240304.20

£347.52

Japan

Old Mutual Schroder Tokyo6228.4174

119.77£745.97

North AmericanOld Mutual Schroder US Mid Cap

1064.7300341.96

£364.09

Old Mutual Threadneedle

American Select

7686.937483.89

£644.85

Old Mutual North American Equity

7635.558868.39

£522.19

FIXED INCOME £2994.45

Old Mutual Invesco Perpetual Corporate Bond

5227.780477.78

£406.61

Old Mutual UK Corporate Bond

101.69672,453.00

£249.46

Old Mutual Investment Grade

Corporate Bond

6228.3854114.90

£715.64

Old Mutual Artemis Strategic Bond

2548.4048143.50

£365.69

Old Mutual Fidelity Strategic Bond

925.2783134.00

£123.98

Old Mutual UK Gilt

1445.1940422.33

£610.34

Old Mutual Threadneedle

High Yield

3627.1192145.28

£526.94

PROPERTY £246.93

Old Mutual Property

276.1366894.24

£246.93

CASH £363.10

Old Mutual BlackRock Cash609.8353

595.42£363.10

FUND

UNITS / SHARESPRICE (P)

VALUE (£)FUND

UNITS / SHARESPRICE (P)

VALUE (£)

DETAILED VALUATION OF FUNDS

HELD IN YOUR PORTFOLIO

THE FOLLOWING PAGES PROVIDE A BREAKDOWN OF THE STRATEGY

OF YOUR PORTFOLIO

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FUND MANAGER CHANGES DURING THE LAST QUARTER

Your portfolio is constantly monitored and reviewed by our team of investment specialists. And, as part of our active

management service, we will make changes where we believe it’s in your best interests.

ACCOUNT NUMBER

12345678

PORTFOLIO MANAGER

Dean Bowden

VOLATILITY TARGET

9.58%-11.29%

PORTFOLIO STYLE

Passive blend

DISCRETE QUARTERLY PERFORMANCE

OUTOld Mutual Artemis UK Special

Situations fund

TO 30 SEPTEMBER 2013

TO 30 JUNE 2013

TO 31 MARCH 2013

TO 31 DECEMBER 2012

2.75%

1.23%

0.89%

1.61%

PORTFOLIO DETAILS

INOld Mutual UK Alpha Fund

PORTFOLIO SUMMARY

COLLECTIVE INVESTMENT BOND

THE FOLLOWING PAGES PROVIDE A BREAKDOWN OF THE STRATEGY

OF YOUR PORTFOLIO

WHAT ARE VOLATILITY TARGETS?

One of the main measures of investment risk is volatility, w

hich

is a measure of the amount an investment rises and falls over

time. Your portfolio is risk-targeted and has 3 year volatility

targets rather than targets for a particular level of growth. By

targeting risk and volatility th

e portfolios should behave more

as you expect over time.

PORTFOLIO STYLE

Different funds have different investment styles and we can

mix these within your portfolio. Active funds aim to beat a

particular market or index and you pay a premium for this.

Passive funds aim to just track the performance of a market

or index and are cheaper accordingly. The mix within your

portfolio can determine it’s cost and potential performance.

CUMULATIVE PERFORMANCE TO 30 SEPTEMBER 2013

OVER 6 MONTHS

OVER 1 YEAR

OVER 3 YEARS

OVER 5 YEARS

PERFORMANCE SINCE

DATE OF INVESTMENT

3.97%

6.48%

n/a

n/a

5.42%

UNDERSTANDING YOUR INVESTMENTS

With all investments part performance is not a guide to future performance and you may not get back what you invested,

but having an understanding of your investments, and the way they behave, will help you feel comfortable with any ups

and downs along the way. All investments carry risks and knowing what they are can help you manage them. You’ll find

information about some of them within this report but for a full understanding of investment risk v

iew our ‘Understanding risk’

brochure available at www.skandia.co.uk/risk

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Our portfolio and account analysis tool that is accessed by advisers to run over 40,000 reports each month – helping to make client reporting easier and more efficient.

The MPS reporting tool takes the headache out of producing and sending investment reports to your clients. They have been market tested to ensure they provide easy to understand, relevant information to the investor.

Our powerful CGT tool reduces the time you spend on tax planning.

The Retirement Income Explorer Tool promotes active discussion between you and your clients in how best to deliver retirement income and legacy value from a clients total wealth.

RETIREMENT INCOME EXPLORER

CAPITAL GAINS TAX (CGT)

WEALTH SELECT MANAGED PORTFOLIO SERVICE (MPS)

U-SCAN

We give you a suite of adviser tools which can bring real benefits to your business such as:

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We’re committed to providing real, practical, day-to-day support to help you prosper. It’s why we give each adviser firm a personal support model, including a dedicated Wealth Management Consultant whose role it is to understand what you’re trying to achieve with your clients, and to tailor sales angles to fit your business.

A technical helpline is useful, but for ideas which translate into tangible business opportunities, we have heavily invested in our on-the-ground Specialist Sales Team, which has grown by over 80% within the last year. It includes experts in different fields who can bring clarity to regulation and convert it into simple, accessible advice ideas that can benefit you and your clients.

Finally our E-Business Specialists can show you how to make best use of systems and tools to really propel your business.

GIVING YOU ACCESS TO THE MOST COMPREHENSIVE NETWORK OF FIRST CLASS SUPPORT

Are you working towards chartered status? We can offer you support with AF4 through our Investment Academy in association with the Chartered Insurance Institute.

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FIRST-CLASSSUPPORT

E-business specialists providing training and advice on how to efficiently operate

the platform alongside your business.

Our specialist sales Master Classes share knowledge across the industry and can help you enhance

your expertise through CPD.

Direct access to our technical helpdesk, sales

support and customer contact centres.

Consultancy services delivered by your dedicated

Wealth Management Consultant.

Regulatory guidance from Old Mutual Wealth’s

in-house compliance team.

An expanding team of field-based specialists in protection, retirement and

tax and trust planning.

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HELPING YOU DELIVER COMPLIANT INVESTMENT SOLUTIONS, RECOMMENDED VIA A ROBUST AND REPEATABLE INVESTMENT PROCESS

Managing risk and compliance is fundamental to having a healthy business with good prospects for client retention and acquisition.

Old Mutual Wealth’s platform has the strength and capability to support your needs both today and in the future with tools for rigorous risk assessment and portfolio construction, and extensive audit trail and reporting facilities.

Investment portfolio planning and construction needs to be an efficient and joined-up process. To ensure this is the case, Old Mutual Wealth’s portfolio management and planning tools are fully integrated elements of the platform technology.

• We give you access to risk profiling, risk discussion and asset allocation tools, developed in conjunction with Towers Watson, helping you assess investment suitability in a robust manner.

• U-Scan, our sophisticated investment analysis tool, allows you to study the underlying assets of existing Old Mutual Wealth client accounts, model portfolios, individual funds or all of a client’s existing unit-linked holdings.

• You can view a full audit trail of transactions on your clients’ accounts via the platform.

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One thing’s for sure: the industry won’t stand still. The future will bring new opportunities, new rules, and new challenges for advisers.

As a provider, it’s vital that we’re at the cutting edge of these developments to give you support that really matters, like first-class Wealth Management Consultants, products designed to take advantage of regulatory changes, and great solutions for your clients.

Through these things, we aim to help you continue to unlock value in your business, capitalise on technology and improve profitability.

If you would like to find out more about how we can help you, please contact your Old Mutual Wealth Consultant.

CONCLUSION

www.oldmutualwealth.co.ukCalls may be monitored and recorded for training purposes and to avoid misunderstandings.

Old Mutual Wealth is the trading name of Old Mutual Wealth Limited which provides an Individual Savings Account (ISA) and Collective Investment Account (CIA) and Old Mutual Wealth Life & Pensions Limited which provides a Collective Retirement Account (CRA) and Collective Investment Bond (CIB).

Old Mutual Wealth Limited and Old Mutual Wealth Life & Pensions Limited are registered in England and Wales under numbers 1680071 and 4163431 respectively. Registered Office at Old Mutual House, Portland Terrace, Southampton SO14 7EJ, United Kingdom. Old Mutual Wealth Limited is authorised and regulated by the Financial Conduct Authority. Old Mutual Wealth Life & Pensions Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Their Financial Services register numbers are 165359 and 207977 respectively. VAT number 386 1301 59.

SK11687/215-0735/August 2015

FIND OUT MORE Please contact your Old Mutual Wealth Consultant or visit our website:www.oldmutualwealth.co.uk/adviser

Your clients’ investments may fall as well as rise in value and they may not get back what they put in.