Rowan's strategic planning process will ensure that each of your assets, and financial arrangements complement each other within a co-ordinated 'tax efficient' strategy.

Below you will see some of the reasons we believe Rowan is the financial planning partner for you:

• We put your interests first
• We are totally independent and impartial.
• We will take the time to understand what your hopes, aspirations and concerns are.
• Your adviser can tailor-make a strategic 'financial plan' intended to meet your goals and requirements.
• Our staff will respond quickly when you need action.
• We will provide a review programme to ensure your plans stay on track in the long term

	The achievement of our client's long term goals is a measure of our success. We create winning strategies through a set of firmly held beliefs.

Our beliefs:

Needs drive the investment process

It is your needs, aspirations and concerns that must determine your financial and investment strategy. We cannot and will not force predetermined products and investments on you. Instead we will tailor-make a strategic financial plan to meet your goals and objectives.

Strategy comes first-products come second

Experience has shown that simply purchasing financial products is not a recipe to financial well-being. It is important that all assets and arrangements complement each other within a co-ordinated strategy designed to meet specific goals.

Understanding risk is key

At the heart of investment management is one core truth: the relationship between risk and reward. There are many different investments and each one offers a different balance between risk and reward. Rowan's investment practice ensures investors understand risk and the opportunities it can provide.

Diversification reduces uncertainty

Investors can reduce their potential for loss by investing in a basket of different asset classes and markets. Equally, by adopting a multi-layered planning strategy we can seek to reduce the risk of future legislative and taxation changes.

There is no substitute for thorough research

In-depth research and analysis has never been more important. We focus our attention on each fund manager's investment beliefs, the application of these beliefs in practice, the track record of the fund and its likely future performance. The research is intensive and in addition to the analysis of the fund performance this also involves detailed interviews with fund managers.

Andy Page
Rowan plc,
2 Queen Square,
Bath,
BA1 2HD

Telephone 01225 475359
Fax 01225 333306