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The financial planner
that makes life easy.

Introducing our latest
innovation that consolidates all
of your savings and investments
into one convenient location.
True Potential One™
is the new
financial planner that makes
life easy.
1

Creating new technology that simplifies and enhances life is something
we firmly believe in. So, for people with investments here, there and
everywhere, and an unclear view of their finances, we wanted to offer a
better alternative. What we needed was a lifetime financial planner that
groups your Pension, ISAs, GIAs, and any other investments you have,
into one place, with just one provider. A bit like having one big bank
account with smaller ones inside for every financial eventuality in life.
Exclusively available to clients of True Potential powered financial
advisers, True Potential One™
is a system that works with your lifestyle.
We like to think of it as ‘a place for everything and everything in its place.’
The big idea
GIA with
Provider B
Stocks and Shares ISA
with Provider D
SIPP with
Provider A
Stocks and Shares ISA
with Bank A
GIA with
Bank B
Personal Pension with
Provider C
2

Consolidate your
investments together to
get them working towards
your financial masterplan.
See your Pension,
ISAs, GIAs and other
investments in one place.
3

Why True Potential One™
One financial life plan Plan your retirement spending
in detail to set a realistic goal
Flexible planning you can
adjust when life changes
Consolidate your investments
Makes it easier to take advantage
of new pension freedoms
Top-up investments with
impulseSave® to reach your goal
4

The financial masterplan
helps you look at your finances as a whole and set
multiple goals, whilst keeping your investments working together.
Whether it’s saving for a house deposit a few years from today or
investing for your retirement, all your goals work together. It’s like
any journey, if you want to reach your destination, you need to know
how much you have in the tank. Plus, if you want to reach any of your
goals sooner, or want to address a shortfall, you can top-up funds with
impulseSave®
whenever and wherever you want.
Of course, things will change along the way, so as the goalposts move,
you can simply adjust your plan and update it whenever you want.
It’s that flexible.
2010 2020
5

Track your masterplan 24/7
using our award-winning
Wealth Platform. Adjust
your saving and spending
plan yourself or contact
your financial adviser.
6

Life doesn’t stop
at retirement,
neither should
your financial plan.
7

A life planner and a retirement planner
Most financial planning for the future involves picking a figure out of thin
air - one that you THINK will see you through your twilight years. But what
if you live a lot longer than you think you will, or you want to see and do so
much more than your initial plan allows for? Tricky isn’t it. That’s why we
think it’s far better to be able to plan your future spending in great detail,
as well as have the flexibility to adjust your plan when things change.
Once you’ve thought about your future spending, it’s so much easier
to work backwards to the present and devise a financial plan that helps
deliver the lifestyle you want in your retirement. That’s why our unique
life planner looks at your life as a whole.
makes your spending plan more realistic by breaking
down your retirement into phases.
Maybe you want to go travelling in your 60s, take lots of city breaks in your
70s and slow down in your 80s. You’ll spend more money early on and
less as you get older. This kind of planning builds a much more accurate
picture of what you’ll spend in retirement and how much money you’ll
need to make it a reality.
Life Planner Retirement Planner
8

How pension reforms affect you
From April 2015, it all changed for pension savers just like you - and it
changed for the better. The new retirement reforms give you much more
flexible ways of spending your retirement fund. So let’s explain what
those changes are just to put you in the picture.
More financial flexibility
In the past, most people upon their retirement have been allowed to
take a 25% tax-free lump sum and generally have bought an annuity with
the rest. Since April 2015, if you’re a saver over the age of 55, you have
the option of taking smaller sums from your pension pot as you need,
instead of one single big lump sum, and in each case, 25% of the sum
you take out will be tax-free. Because this effectively means you can use
your pension like a bank account, making withdrawals whenever you
want, a need for better money management and professional financial
advice becomes essential. That’s where True Potential One™ becomes
invaluable to help you budget throughout your retirement years.
Three ways to take money out:
Take the whole amount
with 25% tax-free and
the rest taxed as income
Take 25% tax-free lump
sum and draw the rest
as an income, taxed at
marginal rate
Take no lump sum, but
a regular income with
25% tax-free and the rest
taxed at marginal rate
9

New retirement reforms mean a new retirement strategy
We’ve already talked about how you can use True Potential One™ to plan
for your retirement, but it offers much more than pension flexibility.
You can consolidate multiple investments under your retirement goal and
plan for life events where you might withdraw lump sums - maybe a new
car or a child’s wedding.
So, you can have your Pension, ISA, GIA and any other investment
working together for your future as one financial masterplan.
10

Registered Head Office: Newburn House, Gateway West, Newburn Riverside,
Newcastle upon Tyne, NE15 8NX
London Office: 42-44 Grosvenor Gardens, Belgravia, London, SW1W 0EB
T: 0871 700 0007 E: platform@tpllp.com
True Potential Investments LLP is authorised and regulated by the Financial Conduct
Authority, FSR No. 527444. Registered in England and Wales, No. OC356027.
impulseSave®
is a registered trademark of True Potential Investments LLP
Your capital is at risk. Investments can fluctuate in value and you may not get back
the amount you invest. Past performance is not a guide to future performance.
Tax rules can change at any time.
www.tpllp.com

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