MP
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MPA Financial Management
Inform, Educate, Inspire
MPA Lite
About MPA
MPA Financial Management is a firm of highly-regarded
Chartered Financial Planners based in Henley-in-Arden.
We currently have a team of 17 staff and manage well
over £250m in investments on behalf of our clients.
MPA was built on a set of principles. Over the years these
principles have come to signify the company, shape the
way we do business and influence the advice we give to
our clients.
MPA has been voted a Top 100
Company by New Model Adviser
Our primary focus is on helping our clients achieve their financial goals, leading to a
happy and fruitful life. To this end, we only employ the best, most qualified staff who
share MPA’s values. We have three employees who are Chartered Financial Planners,
and all of our support staff have achieved recognised qualifications in financial services.
We spend time getting to know our clients and learning the motivations behind their
financial goals and their attitudes to risk so we can offer the right financial services
package to suit their needs.
MPA. Inform, Educate, Inspire.
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Introducing MPA Lite
MPA Lite is an investment plan offering an excellent introduction to financial management
for those clients with existing pensions and investments under £75,000 in value.
MPA Lite works by matching your attitude to risk to one of five risk-rated portfolios.
We have developed a short questionnaire which will help us to identify your attitude to
risk and, using the results obtained, match your outlook to the portfolio that suits you.
The model portfolios we use are the result of years of experience and research. They
range from cautious to adventurous, and the more risk you are prepared to take the
more return you should expect over the medium-to-long term.
All model portfolios are rebalanced quarterly to ensure they correctly maintain their
assigned level of risk. On a yearly basis we check whether you are happy with your
current model portfolio and give you the option to increase or decrease your level of risk.
Managing your Investments
With MPA Lite you have unlimited access to your account information using our online
WRAP service.
The WRAP is a sophisticated computer system which brings together all the independent
elements of your financial portfolio, including pensions, ISAs and investment bonds,
allowing you to manage them all through one interface. This means you have constant
access to all elements of your portfolio online.
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“The best relationships are two-way.
We want to get to know you and
maintain that communication in
order to provide you with an
investment portfolio that fits,
and a financial future that
evolves with your needs.”
Phil McGovern,
Managing Director
Attitude to Risk
Measure
Assess
Risk
Management
Evaluate
Almost all types of investment come with
a level of risk. It is essential to understand
this when considering investing your
money. Investments, however, also offer
the opportunity for financial gain. The art
of financial management is to intelligently
spread an investment fund across a portfolio
of individual investments of differing risks,
achieving a risk balance that matches your
overall attitude to risk. To do this, we would
first need to ascertain your attitude to risk.
Manage
We rate risk on a scale of one to ten. A portfolio with a risk level one would have 100%
of its investments in cash. A level ten portfolio would have 100% of investments in
higher-risk global equities and/or commodities. The portfolios we offer in this service
range from three to seven on the risk scale, to offer our clients a good mix of safe
investments and high returns.
Identifying your attitude to risk is very important as it allows us to provide you with an
investment portfolio that matches the level of risk you are comfortable to take. Some
people will be more naturally disposed to taking risks than others. Some will be cautious,
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and most will fall somewhere in the middle.
Ascertaining someone’s attitude to risk is not as simple as asking, “What is your attitude to
risk?” Many factors, both financial and psychological, contribute to answering this question,
and we have devised a short questionnaire which helps us to elicit the information we
need from you to provide us with a reliable answer.
Depending upon whether your attitude to risk is cautious, balanced or adventurous, we
can provide a model portfolio to suit your needs.
Risk Levels
MPA Lite
1
Very cautious
2
Cautious
3
Moderately cautious
4
50% Moderately cautious, 50% Balanced
5
Balanced
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50% Balanced, 50% Moderately adventurous
7
Moderately adventurous
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50% Moderately adventurous, 50% Adventurous
9
Adventurous
10
Very adventurous
100% cash investments
100% global equities
Our Partners
Novia Financial
The MPA Lite service is offered in partnership with Novia Financial. We spent a lot
of time researching the market for a suitable partner to work with for MPA Lite. Our
results showed that the WRAP and investment portfolios provided by Novia Financial
(in conjunction with 7IM, next page) allow us to offer the highest quality of service at
an affordable price.
Novia Financial is an independently owned, intelligent, wealth management company.
They provide one of the UK’s leading wealth management platforms for investment
advisers and their clients, which we use for our MPA Lite service.
Working with Novia Financial allows us to use their market-leading technology and a
highly experienced team to deliver intelligent wealth management to you. They provide
an efficient online offering which delivers transparency, flexibility and great value for
such a high-quality service.
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In 2011 Novia Financial scooped five awards at the AdviserAsset Awards, primarily in
categories for outstanding customer service. In the same year they also took the Highly
Commended position for the Best Platform award at the MoneyFacts Awards, and received
the Defaqto 5-Star Platform Rating with the highest percentage score of all platforms.
Novia Financial and MPA share the same company values of building strong relationships
with clients and offering non-biased investment advice with clients’ goals and attitude
to risk in mind.
7IM
7IM (Seven Investment Management) is a specialist
investment management company. The firm was launched
in 2002 and now manages nearly £4bn of client assets. They
provide MPA with the seven risk-rated investment portfolios
we offer as part of our MPA Lite financial services package.
We selected 7IM to work with due to their high level of
expertise, market insights and understanding of risk.
7IM’s investment portfolios use “passive investments”
such as tracker funds. These are investments managed by
high-tech computer software which tracks the behaviour
of various marketplaces. A passive investment offers
institutional quality management but without the large retail
charges usually associated with such a high level of service.
Justin Urquhart Stewart, 7IM
marketing director and regular
TV finance expert
Their approach has earned them several high-profile awards, including Best Cautious
Wealth Manager at the Financial Times Awards 2009, Best Multi-Manager at the
MoneyFacts Awards 2010, and Best Investment Service at the MoneyFacts Awards 2011.
The MPA Lite Offering
By working with 7IM, in conjunction with the Novia Financial WRAP, we are able to
offer MPA Lite at a very cost-effective rate, providing investment performance and risk
management that would usually belong in a much higher price bracket.
The total cost of our MPA Lite service will be around 1.59% (prices may vary per level
of risk) which includes our fee, Novia Financial’s fee and the cost of the 7IM investment
solution. There will be no exit penalties for investment or pension funds and your adviser
will inform you of any starter fees attached to this service.
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There are additional services available to MPA Lite customers. Your MPA adviser will
inform you about these during your initial consultation.
We will always double-check that you fully understand the cost of a service before we
commence any work on your behalf.
If you are interested in this great value investment service, please get in touch with our
friendly team using the contact details below.
Contact Details
Phone:
01564 795997
Email:[email protected]
Website:www.mpafm.co.uk
Address:
MPA Financial Management Ltd
MPA House, 98 High Street
Henley-in-Arden, B95 5BY
Authorised and regulated by the Financial Conduct Authority. The information contained in this brochure does
not in any way constitute advice. Professional advice should always be sought before making investment decisions.
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