Graphics for: Client Experience, Wealth Management Services and Investment Management Process

CLIENT EXPERIENCE

Discovery meeting:Initial meeting to understand your needs

Analyse requirements and evaluate options to design wealth management plan and investment strategy

Recommendations meeting:Presentation of recommended wealth management plan and investment strategy

Begin ongoing execution of wealth management plan

Execute investment strategy and other recommendations

6 month follow-up meeting

Regular review meetings:Ongoing monitoring

of investment strategy and wealth

management plan

Client meetings Plan design, implementation and review

We have a clear process to understand your goals and develop appropriate recommendations.

CLIENT EXPERIENCE

1 Discovery meetingIdentify your goals, values, ambitions, special concerns/challenges and attitude to risk

2 Develop comprehensive wealth management and investment strategy• Comprehensive financial plan

and investment strategy• Retirement planning• Tax and trust planning• Income and family protection• Education funding• Business succession planning• Charitable giving• Estate planning

3 Develop investment strategy• Determine risk tolerance• Identify tax wrappers• Analyse current investment portfolio• Develop asset allocation strategy• Portfolio construction

5 Begin ongoing execution of wealth management plan• Organisation of paperwork• Set up online account access

(and review online resources)• Develop schedule for future

review meetings

6 Execution of investment strategy• Open new accounts• Transfer existing assets• Conduct trades to execute

agreed-upon investment strategy

4 Recommendations meeting• Wealth management plan

and investment strategy recommendations

• In-person meeting to present recommendations and discuss options

7 Six-month follow-up meetingIn-person meeting to discuss:• Initial progress• First statements• Schedule first full review meeting

8 Regular review meetingsOngoing monitoring of wealth management plan and investment strategy

14 days 28 days

21 days 180 days Ongoing

We have a clear process to understand your goals and develop appropriate recommendations.

Client meetings Plan design, implementation and review

WEALTH MANAGEMENT SERVICES

Education funding

Businesssuccession

planning

Charitable giving

Tax and trustplanning

Estate planning

Comprehensive financial planning

Retirementplanning

Income protection

Family protection

Client

Name of firm

Your name/team name

We have in-depth experience in financial planning and investment management, but we also bring in professionals with the expertise necessary for a successful wealth management plan. We will also work with any professionals with whom you already have a relationship.

WEALTH MANAGEMENT SERVICESWe have in-depth experience in financial planning and investment management, but we also bring in professionals with the expertise necessary for a successful wealth management plan. We will also work with any professionals with whom you already have a relationship.

Your name/Team name at XYZ Firm

Comprehensive Financial Planning

Retirement planning

Family Needs Planning

Estate PlanningBusiness Succession Planning

Executive Compensation Management

Businessand Personal Protection

Lifestyle review and income requirements

Lifetime cash flow analysis

Risk Review

Work based pension benefit assessment

State pensions and/or social security benefit analysis

Beneficiary review

Healthcare and older age provision

Education planning

Planning forsupport ofaging parents

Family protection

Income protection

Wills

Power of attorney (POA)

Trusts

Estate tax funding

Gifting

Charitable giving

Liaising with family as required

Business needs review

Cash management and capital needs assessment

Business valuation

Succession plan documents

Succession plan funding

Specific tax planning

Share option scheme strategies

Managing annual bonuses

Estate and financial planning (particular to executive compensation management)

Managing pensions and investments for tax efficient capital accumulation

Family and personal protection• Life insurance• Long-term care• Income

protection

Business protection• Keyman

insurance

INVESTMENT MANAGEMENT PROCESS

Establish investment goals and objectives

1

Determine risk tolerance and capacity for loss

Develop asset allocation strategyand investment strategy document

2

3

4

5

6

Portfolio construction: select taxwrappers, other solutions and platforms

Execute investment strategy

MonitorProgress and

make necessaryadjustments

To help achieve your financial goals, we employ a disciplined investment management process.

INVESTMENT MANAGEMENT PROCESS

Establish portfolioobjectives and risk parameters Conduct cash flow

analysis and long termincome requirements

Develop investmentpolicy statement (IPS)

Design strategic and tactical assetallocation models

Conduct rigorousdue diligence usingInstitutional-qualityanalytics

Client wealthmanagement

plan

Assess macro-and microeconomictrends and outlookfor global capitalmarkets

Constructinvestmentportfolios

Monitor andmeasure portfolioperformanceand attribution

Evaluate progressof portfolios andrecommend adjustmentsin accordance with IPS

Evaluate& review

Analyze& plan

Assess& construct

Design &research

To help achieve your financial goals, we employ a disciplined investment management process.

8

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Legg Mason is a leading global investment company committed to helping clients reach their financial goals through long term, actively managed investment strategies.

• A broad mix of equities, fixed income, alternatives and cash strategies

• A diverse family of specialised investment managers, each with its own independent approach to research and analysis

• Over a century of experience in identifying opportunities and delivering astute investment solutions to clients

The Advisor Partnership Program (TAPP)® is Legg Mason’s landmark value-added offering, featuring a wide range of multidimensional workshops and seminars that empower financial advisers to build successful practices and educate their clients.

TAPP delivers value in four areas of importance to advisers: their business, their knowledge, their skills, and their clients. Business Development showcases real-life insights into practice management; Retirement offers a wide array of resources for advisers focused on retirement plan business; Professional Development presents sophisticated and innovative techniques to sharpen individual skills; Client Resources provides resources that help advisers inform and educate their clients.

This information is only for use by professional clients, eligible counterparties or qualified investors. It is not aimed at, or for use by, retail clients.Please note that all references to third-party corporations and Web sites do not constitute a recommendation or endorsement by Legg Mason Investments (Europe) Limited. Opinions expressed are subject to change without notice. Financial advisers should consult their own firm’s policies and procedures before applying and ideas presented in this document.This material is not intended for any person or use that would be contrary to local law or regulation. Legg Mason is notresponsible and takes no liability for the onward transmission of this material.Issued and approved by Legg Mason Investments (Europe) Limited, registered office 201 Bishopsgate, London, EC2M 3AB.Registered in England and Wales, Company No. 1732037. Authorised and regulated by the UK Financial Conduct Authority.The Advisor Partnership Program (TAPP)® is a registered trademark of Legg Mason Investor Services, LLC.© 2014 Legg Mason Investor Services, LLC. Member FINRA, SIPC.