Planning for Life

L I F E S T Y L E F I N A N C I A L P L A N N I N G

We all have goals, dreams and ambitions for the future, for ourselves and our families, but how do we achieve them?

About Trigon • With roots stretching back to 1996 the Trigon Solutions

Group off ers fi nancial planning services and advice to

individuals, families and businesses. The group currently

comprises three companies off ering complimentary services.

• Trigon Financial Solutions Ltd provides you with

independent advice which is not restricted, or limited

by ties to any banks, building societies or other fi nancial

institutions. This allows us to give you advice that is

impartial and recommendations from the whole market

rather than a limited range of companies or products.

• Trigon Corporate Solutions Ltd provides business support

services including consultancy, administration, advice

and IT solutions.

• Trigon Support Services Ltd provides additional research,

administration and planning facilities within the group.

Our Team• Each of Trigon’s advisers have extensive knowledge and

experience in a wide range of specialist areas of Individual

and Corporate Financial Planning.

• Our fi nancial advisers are supported by a dedicated team

of highly experienced and qualifi ed Customer Support

Managers and other administrative staff who provide the

essential support role for our business. They are able to

assist our clients on a day to day basis, with both the routine

and the more complex fi nancial planning queries.

Our Aim• Is simply to provide eff ective Financial Planning solutions

for our clients with clarity and value.

• To advise and guide you, to ensure you are suffi ciently

fi nancially organised to create as much wealth and security

as possible for yourself, your family and your business.

• To identify your fi nancial objectives with you, and provide the

continuing support and guidance you need to create and maintain

your fi nancial independence both now and in the future.

Our Remuneration• We are a fee based practice and will advise you of the

charges for any work we undertake on your behalf before

we start. Furthermore we adopt a fl exible approach which

can incorporate the payment for our services either by fees

or commissions from the product provider (where available),

or a combination of both.

• All our charges are disclosed in writing before we

commence so you can always know where you are. For

more information please refer to the “keyfacts about our

services & costs” available at www.trigonsolutions.co.uk.

Why are we different?• As a client of Trigon you will be at the heart of our business.

We will work with you, listen and take full account of your

issues and requirements. Our advice and recommendations

will be made in a clear and straightforward manner to ensure

that you gain the maximum benefi t from our experience and

expertise with the minimum of fuss.

• To enable you to keep abreast of your changing fi nancial

planning requirements and the various processes involved

we have developed an informative website with many useful

interactive tools and guides. We are also developing a back

offi ce web portal which will allow you access to

your plan information, get valuations, and update your

personal details in “real time” whenever you want to at

the click of mouse.

“ Many people have goals and dreams,

but a goal without a plan is just a wish...

an achievable goal is a dream with a deadline...”

What is the Lifestyle Financial Planning Process?

Stage 1 ~ About You: We start by meeting to discuss your

personal circumstances and your current fi nancial situation

in depth. This information helps us draw up a complete

picture of where you are now, and where you want to

be. This is your blueprint.

Stage 2 ~ Your Goals & Ambitions: Next we discuss your

objectives, aspirations and specifi c or anticipated milestones

you wish to plan for, as well as any concerns that may arise.

These are your objectives.

Stage 3 ~ Analysis: We will go through our

analysis of your current position and outline

our initial thoughts for your fi nancial plan

with you. Taking all of your existing provisions

into account and your anticipated current and

future income and expenditure, we will then

present you with your specifi c lifetime cash

fl ow analysis. We test the existing provisions

against various “what if?” scenarios

to establish if there any shortfalls

in your current strategy.

This is your lifetime CashFlow.

Stage 4 ~ How to get there: We can map out

the journey to your destination, showing all of

the key goals and events and most importantly,

establishing the most cost and time-effi cient route

to get you there. This is your Financial Plan.

Stage 5 ~ Implementation: Once you are happy

to proceed, it is time to implement the steps

in the plan. Each course of action, we have

recommended and agreed with you, can now

be put into motion.

Stage 6 ~ Review & Update: Circumstances and

objectives change. It really is essential to review

& monitor the plan regularly to check the

progress towards reaching your goals. We

recommend reviews should be at least annually

so that you keep your Financial Plan on track.

BIRTH » START SCHOOL » UNIVERSITY OR COLLEGE » START WORK » CHANGE OF JOB » FIRST

HOME » GETTING MARRIED » STARTING A FAMILY » MOVE HOUSE » CHANGE OF LOCATION

» DREAM HOLIDAY » REDUNDANCY » STARTING YOUR OWN BUSINESS » UNEXPECTED

WINDFALL » DIVORCE » ILLNESS » RETIREMENT » NEED FOR LONG TERM CARE » DEATH

Lifestyle Financial Planning ProgrammeLifestyle Financial Planning is the way we can help you to realise your

ambitions, goals and dreams – however large or small they might be.

Careful planning will help turn your pipe dreams into reality and the

sooner you start your lifestyle fi nancial planning programme, the greater

your chance of realising your goals. There are so many issues to consider

when planning one’s fi nancial future, such as:

Transactional Financial AdviceWe know that the Lifestyle Financial Planning programme

may not be appropriate for everyone, which is why we off er

transactional advice for particular requirements or objectives.

The process still involves the 6 stages which are concentrated

on the specifi c goals and objectives.

Stage 1 ~ About You: A thorough understanding of your

current position.

Stage 2 ~ Your Goals & Ambitions: The particular requirements

you want to address – such as, arranging a mortgage, releasing

equity from your home, protection for you and your family,

retirement provision, inheritance tax mitigation, investment

portfolio services

Stage 3 ~ Analysis: Including your current provisions and

highlighting your shortfalls.

Stage 4 ~ How to get there: To achieve the stated objectives.

Stage 5 ~ Implementation: Of agreed actions.

Stage 6 ~ Review & Update: We believe all plans should

be reviewed and will invite you to instruct us to carry out

regular reviews.

Corporate Services In today’s increasingly uncompromising business environment,

inadequate planning can result in disaster. With the right

professional guidance the pitfalls that could otherwise destroy

your business may be avoided.

A complete advisory service is available to corporate clients

covering all aspects of fi nancial advice for businesses,

directors and staff alike. Advice is provided on a wide range

of areas including the implications of legislative changes and

recommendations for the most appropriate arrangements to

suit your business. Typical examples of the services we provide

are as follows.

• Protecting your key assets

• Protecting your profi ts

• Planning for your retirement

• Protecting your employees and their families

• Reducing your business tax liabilities

• Improving effi ciency of HR Function

• Employee education & counselling

• Exit strategies and succession planning

• Employee Benefi ts – review, implementation

and management & oversight service

• Provision of your own internal HR &

employee benefi ts web portal

Other Services

For more information about our services please call us on 01707 251253, email us at info@trigonsolutions.co.uk or visit us online at www.trigonsolutions.co.uk

Trigon Financial Solutions Ltd is an appointed representative of Intrinsic Wealth Management. Intrinsic Wealth Management is a trading style of Intrinsic Financial Planning Ltd,

which is authorised and regulated by the Financial Services Authority under FSA Register number 440703.

For more information about our

range of corporate services please

visit our sister website

www.trigoncoporatesolutions.co.uk

and view or download our corporate

fi nancial planning brochure.