Once you’ve made the decision to take financial advice or seek further information, thanks to our relationship with Legal & General, you can be confident that you’ll be listening to one of the most respected names in the business. Most importantly, they’ll be listening to you.

About Legal & General Like us Legal & General understand real life, ensuring that everything they do is centred around people like you. With 176 years of experience behind them and a team of expert, professional financial consultants, it’s easy to see why we have no hesitation in introducing you to Legal & General.

• Over seven million people rely on Legal & General for life assurance, pensions, investments and general insurance plans*
• The Legal & General Group is responsible for investing over £388 billion worldwide on behalf of investors, policyholders and shareholders*
• Legal & General is one of the biggest providers of index-tracking investments in the UK, managing over £227 billion*

Source: www.legalandgeneralgroup.com/about-us. Correct as at 30 June 2012.

You should know that the value of investments may fall as well as rise and you may get back less than you invested.

Advice Service

• You will receive full tailored advice to suit your personal circumstances. This includes an outline of the features, benefits and risks of each product available to you.
• You will also receive a personalised report recommending the product(s) most suited to achieving your objective and individual needs.
• You will receive an Ongoing Service - a range of tools and benefits to help you keep track of your investments and your financial consultant will contact you each year to discuss any changes.

Information Service

• Your financial consultant explains the features, risks and benefits of investing,and the details of the products available to you.
• You will not receive a personal recommendation or any advice with this service, however your financial consultant will answer any factual questions you have.
• It is up to you to make an informed decision on the best product that suits your needs.

Any information or advice you receive will only relate to the products provided by Legal & General.

Recent changes in financial regulation have caused many high street banks and financial institutions to stop offering an advice service like this but we feel that it's an important service that a great deal of our customers want.

As a customer you won't have to pay for this advice unless you choose to invest. If for whatever reason you decide not to proceed, you won't have to pay a penny. For customers that do proceed and invest based on the advice gained through this service, please see the table below for charges:

The Advice Service
How much does it cost?*	How long does it take?	What do I receive?	What products are available?	What are my fund options?	What happens after I invest?
Initial 3.5% charge of the value of your investment for advice. Annual 0.65% charge of the value of your investment for ongoing service. For protection products you pay for Legal & General’s service through the charges taken from any products that you may buy.	Two one-hour meetings: – First meeting to find out about you and establish your aims and needs. – Second meeting to discuss your Financial Planning Report and explain Legal & General’s recommendations. – Complete application and apply. Your financial consultant will use the time in between meetings to research appropriate recommendations and prepare your report.	A detailed assessment of your personal and financial circumstances. An analysis of your risk profile. Personalised financial plan written by your qualified Legal & General financial consultant. Investment recommendations tailored to your life and goals. Ongoing advice and support.	ISAs. Unit Trusts. Structured deposits. Investment bonds. Protection products.	Legal & General will make recommendations from a wide panel of fund managers and investment sectors. Funds include Multi Manager funds, fixed income funds and index-trackers.	You’ll receive a personalised letter confirming what you have bought and why. You’ll receive a tailored half yearly report on the progress of your investments (starting from September 2013), as well as annual investment statements. Your financial consultant will contact you each year to discuss any changes to your circumstances. You’ll be able to view your investments through your own secure online Personal Finance Portal (PFP). You can call your financial consultant at any time for advice about making changes to your investments.
The Information Service
How much does it cost?*	How long does it take?	What do I receive?	What products are available?	What are my fund options?	What happens after I invest?
You pay for Legal & General’s service through the charges taken from any product that you may buy. Your financial consultant can provide full details on exact charges.	One meeting of around one hour to explain the basics of investing and the investments available to you. Complete application and apply.	Clear and relevant product information. Additional factual information on investing and key considerations to help you make your own decision.	ISAs. Unit Trusts. Structured deposits.	You can choose from a small panel of funds that we have selected to provide a cross section of different types of investments.	You’ll receive annual statements for your investment. You’ll need to manage your investments and make your own choices about any changes that you think are needed. You can choose to receive advice at any time in the future on the normal terms that apply at the time.
*Yorkshire Building Society will receive 50% of any fee or ongoing charges.

Protecting the family
Have you ever worried about where the money would come from if you weren’t around or a critical illness left you too ill to work? Thankfully, there are ways to protect your home, family and standard of living should the worst happen and your Legal & General financial consultant will be happy to talk through the options worth considering.

It’s worth thinking about the following:

• Do you have life cover with your mortgage and is it enough?
• Do you have any life cover with your employer and is it enough?
• Do you need to think about protecting your partner as well as yourself?

Investing for your future
Once you’re prepared for the worst things in life, how about saving for the best?  From seeing your kids graduate or get married, to investing in another home, or spoiling grandchildren yet to come, we all hope to have enough money for the good times.
Your Legal & General financial consultant will look at how hard your money is working, and what you want to achieve.
Then they’ll give you a clear understanding of your options.

It’s worth thinking about the following to help you clarify your savings goals:

• Do you want to help protect your savings from inflation?
• Can you afford to risk losing as well as potentially making money?
• Do you want your savings to give you growth or an income?

Planning for your retirement
The good news is we’re all living longer; the bad news is that means we’ll all need to save more for our retirement. So it’s more important than ever to put a pension plan in place early.
Even if you’ve already started a pension, chances are your circumstances are now very different. Your Legal & General financial consultant can help you fi nd out if you are on track towards the retirement you’re hoping for. Looking at questions like these in your meeting will help your financial consultant to come up with a plan:

• Will you be able to maintain your lifestyle when you retire?
• Do you understand all the pension options available to you?
• Do you need help working out how much you need to set aside?
• If you’ve got a number of pensions, are they in the best place?

You should know that the value of investments may fall as well as rise and you may get back less than you invested.

Leaving money for your loved ones
With more people than ever having to plan for the possibility of loved ones being left with a potential Inheritance Tax bill, it makes sense to work out how to leave more of your money in the hands of your nearest and dearest, rather than the government.

Your chat with a Legal & General financial consultant could cover questions like these:

• Do you have a will in place?
• Do you know if your whole estate would be liable for Inheritance Tax?
• Would you like to learn more about tax-efficient ways to deal with your assets?

You should know that not all forms of Inheritance Tax Planning are regulated by the Financial Services Authority.

At the end of the interview
You will be free to take out a policy or open a new account or go away and think things over. If you want to come back for another chat, that's fine too.