MPA Company Brochure Digital Version

Inform - Educate - Inspire



Contents 4 5About MPA 5MPA’s Ethos 7MPA’s ApproachMPA: A Little Look Back 9 11Directors 13Phil McGovern 14Eddie Ball 17Mike Paul 18 19Our Process of Delivering AdviceMPA Private Client 21MPA Wealth 22MPA LiteAn Optimistic Look ForwardA Growing Brand

About MPA MPA Financial Management Limited is a specialist firm of Chartered Independent Financial Advisers and have been providing sound, holistic financial planning solutions since 1988. Mike Paul set up the business in 1988 and Achieving this honour reinforces that MPA has watched it stand the test of time, going are firmly committed to the CII’s Code from strength to strength. Now based of Ethics and Conduct – a code which in Henley-in-Arden, MPA have a team underpins the highest standard of 30 staff and manage over £550m in of professional practice. investments on behalf of our clients. In addition to achieving Chartered status, With a team of highly experienced Advisers MPA Financial Management Limited have and qualified support staff, MPA seek to been nominated and won various other understand client’s objectives and deliver awards – ranking in Citywire’s Top 100 solutions which best match their financial Advisory firm for four years, nominated for circumstance and which help to achieve ‘Financial Planners of the Year’ by West their financial goals. This client-centric Midlands CII and winning both Wealth and culture is reinforced through our company Finance’s ‘Financial Planners Retirement philosophy where we endeavour to Planning Adviser of the Year’ and ‘Best ‘Inform, Educate & Inspire’ our clients Financial Management Firm of the Year’ to ensure success in their future financial in the M&A Today Global Awards – planning experiences. to name a few. Our hard work was rewarded in 2007 when we gained the prestigious Chartered Financial Planners title presented by The Chartered Insurance Institute (CII) after successfully meeting rigorous criteria relating to professionalism and capability.4

MPA – Inform - Educate - InspireMPA’s Ethos MPA’s ApproachOur philosophy today is the same as when Our people and processes are the cornerstonewe started in 1988 and we believe it of our culture. In selecting a financial partner,demonstrates what sets us apart… confidence and trust are imperative. Our team of Advisers are dedicated to working in ‘Inform - Educate - Inspire’ partnership with clients to empower them to make the best possible decisions.We recognise that information and knowledgeare vital components in our commitment to Our clients can have complete confidence inachieve and maintain the highest business our robust research process that enables us tostandards possible. We are committed to search the entire market for the right solutionhelping all staff members in their studies for them and total trust in the team behind itto ensure that collectively, we are as highly to deliver results.qualified as possible. Educating the businessguarantees that all staff members are best We talk clients through the range of optionsequipped to ‘Inform, Educate & Inspire’ in a way they can understand and encourageclients when required. them to actively engage with the process, exploring the potential outcomes before committing to the scenario that best suits their circumstances. 5

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MPA – Inform - Educate - InspireMPA: A Little Look BackFrom our humble beginnings, we quicklygathered momentum and enjoyed expansion,that was rather more rapid than our peers. Wecan lay this early success and growth firmlyat the door of our reputation for excellence,to which we continue to be committed.Another area where MPA bucks the trend isthe size of the advisory team. The averageIFA firm has fewer than five advising staff(APFA, May 2017) it’s unusual to find onewith more than 10. Having a team of 16 atMPA means we have the people and systemsin place to deliver client excellence.We have veered away from the ‘lean’approach to our operations as we aredetermined to maximise client engagementand never shy away from the time-consumingresearch and due diligence that underpinsall our financial advice.Much of this work has happened behind thescenes but we believe that it is essential thatwe have efficient processes and systemsso that we can fulfil our philosophy. 7

Inform - Educate - Inspire   Clients are everything to us. We want them to be completely statisfied with our service every single step of the way , from a phone conversation with our friendly support team right through to our Advisers’ bespoke recommendations based on thorough research of the whole market.  Phil J. McGovern Managing Director8

MPA – Inform - Educate - InspirePhil J. McGovern, BSc (Hons) FPFSManaging DirectorPhil has a strong track record and credibility in the Financial Services arena having sat onthe Board of the Society of Financial Advisers as a member Director and on the CII’s examcommittee. Phil’s specialisms include complex pension issues and investment planningand he is often cited in industry publications discussing pension and industry issues.Phil has been instrumental in ensuring the team, systems and processes support thegrowth of the business, delivering excellence to clients. 9

Inform - Educate - Inspire   We have a robust due diligence process which capitalises on our independence. We have also invested heavily in back office systems to ensure that we can consistently deliver high quality tailored financial advice.  Eddie Ball Compliance Director10

MPA – Inform - Educate - InspireEddie Ball, Dip PFSCompliance DirectorIn 2010 Eddie was appointed Compliance Director. He has been responsible for developing therobust systems and controls needed in a fast growing advisory business. He combines this rolewith advising clients on pensions, investments and court of protection work. 11

Inform - Educate - Inspire   As the founder of MPA Financial Management Limited I am proud that the company has not only stood the test of time and continues to serve long standing customers, but that it has flourished and grown.  Mike Paul Chairman12

MPA – Inform - Educate - InspireMike Paul, APFSChairmanMike began his career as a Merchant Banker in London, before joining Schroders FinancialManagement. In 1988, he successfully established MPA, and grew the business throughrunning seminars and managing group schemes.Mike has used his banking and investment knowledge to provide advice in a wide rangeof financial areas and has specialised in Pension Planning, Inheritance Tax mitigation andinvestment planning. 13

Our Process of Delivering Advice At MPA Financial Management Limited we pride ourselves on our client-centred process of delivering advice, which we summarise in four stages; 1 2 Getting to Confirmation of know you… Requirements… A client-centred approach MPA’s advice follows a robust process to ensure the proper implementation and ongoing review of your finances. Monitor and Implementation… Review… 3 414

MPA – Inform - Educate - InspireGetting to know you ImplementationAdvising our clients effectively means Should our clients decide to proceed ourknowing who they are, what they value dedicated team of Advisors and support staffin life, what their financial goals are and will liaise with all industry professionals totheir attitude to investment risk in implement their agreed recommendationsachieving those goals. in a prompt and precise manner, regularly communicating with our clients to keepThis stage of gathering data is covered in them informed every step of the way.the Fact-Finding Meeting and gearedtowards answering our clients questions so Monitor and Reviewwe can help them manage their wealth inline with their desires and expectations. We monitor the portfolios constantly throughout the year and present the resultsConfirmation of Requirements to our clients in a clear format that is easy to understand. The review process isOur advice and recommendations will essential to ensure the investments continuethen be confirmed in a Suitability Report. to meet our clients circumstances and goals.This report outlines in detail what we haverecommended for our clients, the fees Through working with MPA, we enter anwe have agreed and how our clients are ongoing relationship with our clients wheregoing to pay them. we listen to their feedback, monitor and review their investments throughoutIt will also confirm the agreed level of the year.investment risk of our clients and thenumber of reviews we will carry out. 15

Inform - Educate - Inspire   Advising you effectively means knowing who you are, what you value in life, what your financial goals are and your attitude to risk in achieving those goals. Phil J. McGovern Managing Director16

MPA – Inform - Educate - InspireMPA Private Client Private Client PlusThis is our most exclusive proposition for Clients with over £1million invested will beclients who have more than £500,000 classed as Private Client Plus members andinvested through us. They will usually we will not charge them or their family anyhave complex financial affairs, with implementation fees (excluding Final Salaryassociated tax planning needs. (DB) Pension Transfers) for work completed once we have managed their investmentsOne of the key points of the Private Client for 12 months. Ongoing fees will still apply.proposition is that it is delivered by a teamof experts. It includes quarterly reviewsand half yearly review meetings with adesignated Adviser who will work closelywith our clients to understand their presentand future goals and recommend solutionsto achieve them. There will be regularnewsletters, updates and offers to join usat our exclusive annual Private Clientlunch where we will discuss currentinvestment, pension and tax issues ina convivial situation.As a Private Client we have a whole rangeof investment solutions and utilise the bestsystems and funds, offering a truly worldclass service. We offer the full range ofActive and Passive risk rated model portfoliostrategies, as well as a privately manageddiscretionary portfolios tailored to ourclients needs. We will also build bespokeportfolios for some clients who havespecific requirements. 17

MPA Wealth MPA Wealth clients have access to a range of Active and Passive risk rated model MPA Wealth is our most popular financial portfolio strategies from our best of breed management service and caters for clients panel of portfolios. These look at hundreds who have in excess of £100,000 invested of different investment combinations, through us that want regular contact and including OEICs, unit trusts, investment advice from one of our qualified advisers. trusts, insurance funds, ETF’s and trackers. Our advisers will ascertain the level of risk It includes regular reviews of our client’s our clients wish to take and recommend a portfolios, regular newsletters and at least suitable style of investments. one annual review meeting with a designated adviser (subject to portfolio size). With the variety of investment solutions offered, MPA Wealth’s range of investment This service offers a range of investment solutions outstrips that offered by most solutions that match our client’s specific other independent financial advisors. requirements whether they are in the growth phase and building their investments towards retirement or are starting to take income from their investments at retirement.18

MPA – Inform - Educate - InspireMPA LiteMPA Lite offers an excellent introductionto financial management for those clientswith under £100,000 invested throughus. The main aim of MPA Lite is to obtaina cost-effective solution to achievefinancial goals.This service has access to a range of 5 riskrated model portfolio strategies which arematched to the level of investment risk thatour clients wish to take. The model portfoliosare either passive or active and allow ourclients to balance risk and return over themedium to long term, whilst keeping costsunder control.With MPA Lite our clients have access totheir account online and receive an annualvaluation and performance report, whilststill having access to a designated adviser. 19

Inform - Educate - Inspire   My vision was to run an efficient business where the staff were engaged in the process and had the client at the heart of everything we did. We wanted to be judged not only by the standards of the financial services industry but also by the standards of running a successful business.  Phil J. McGovern Managing Director20

MPA – Inform - Educate - InspireAn Optimistic Look ForwardClients of MPA can share our optimism So size does matter and we’re not restingbecause our vision for the future really on our laurels. We have ambitiousdoes benefit the client. Our tried and tested plans, and, through carefully managedethos remains the same, with our particular growth, our goal over the next five yearsbrand of independence evidenced by the is to achieve £1bn of assets underfact that we vet suppliers, have a quarterly management, again with clients benefitinginvestment committee, and carry out from tremendous savings in supplier fees.monthly investment reviews. More than this MPA’s vision is to be oneWe currently have over £550m of assets of the most respected firms in the UK.under management, but why does thismatter to clients? In a nutshell, our growthmeans that we have significant power innegotiating the best deals with suppliersand these savings are passed on to clients. 21

A Growing Brand MPA Charitable Foundation MPA has a number of appointed representatives including firms and With the Company’s reputation advancing, individual advisers. They are provided with our philosophy to ‘Inform, Educate & Inspire’ a compliance function, a comprehensive Due still remains at the heart of everything that Diligence process and back office support. we do and in 2018 the MPA Charitable This gives them the confidence to serve their Foundation was formed. clients knowing they have the support of MPA Financial Management Limited. The idea behind the charity is to give MPA Financial Management Limited another Appointed representatives also benefit from platform from which we could ‘Inspire’ and accessing specialist resources within MPA give back to the community by supporting Financial Management Limited, which is an individuals and charitable causes in the local industry trusted organisation both Chartered area – an area that has been poignant in and Independent. This provides a strong the growth of MPA Financial Management infrastructure to both support and grow an over the years. advisory business, paving the way for a successful future. For more information, please visit; www.mpacharitablefoundation.co.uk22



Inform - Educate - Inspire MPA Financial Management Ltd MPA House, 98 High St, Henley-in-Arden B95 5BY 01564 795997 mpafm.co.ukAuthorised and regulated by the Financial Conduct Authority. Financial Services Register No: 434931