WealthSelect Adviser Guide

WealthSelect A personalised solution that can grow with the needs of your business, your clients, and their families For financial advisers only

2 WealthSelect Managed Portfolio Service Introducing you to WealthSelect Launched in 2014, WealthSelect was one of the first managed portfolio services in the UK to offer advisers access to a range of actively managed, risk-targeted multi-asset portfolios. WealthSelect enables advisers to further deliver on their clients’ investment objectives and focus more of their time on their clients’ wider financial planning needs. Led by experienced portfolio manager, Stuart Clark, CFA, WealthSelect is an industry leading managed portfolio service with an enviable performance track record, trusted with more than £9.6bn of clients’ money (as at 31 December 2021). We are proud to support more than: 1,800 financial adviser firms 64,000 clients and their families

Quilter 3 We are excited to be able to offer your clients even more choice of where they invest and allow them to be confident that we can deliver what they expect. Stuart Clark Portfolio Manager, CFA

4 WealthSelect Managed Portfolio Service Delivering a personalised investment solution The growth and success of WealthSelect has been driven by the efficiencies, risk reduction and performance we have delivered to adviser businesses like yours. We understand the intricacies of the advice process and have designed WealthSelect to give you the power to provide your clients with a personalised solution that matches their investment preferences: Risk appetite Investment approach Responsible investing Matching your clients’ needs to the right portfolio Making informed investment decisions, both at the initial recommendation stage and on an ongoing basis, is time-consuming and carries a significant burden of responsibility. This is particularly important given the increased regulatory focus on suitability and due diligence. To help ensure you’re able to match your clients with the right portfolios for them, we’ve developed two tools that you can use as part of your advice process: Client Profiler Through four question sets, this tool helps you personalise your client’s investor profile to easily identify their appetite for risk; preferred investment management style; investment needs; and approach to responsible investment. Quilter Solutions Explorer To help you match your client with the right portfolio for them, this tool can be used to either conduct general fund research, or search for a specific solution based on their unique needs. Furthermore, it provides you with easy access to Quilter product and portfolio information, all in one convenient location.

Quilter 5 1: Follow the Quilter Investors responsible investment principles 2: Maintain a lower carbon footprint than the reference index 3: Focus on investing in funds that Quilter regards as leaders in ESG integration 4: Invest in funds that pursue explicit environmental and/or social targets or characteristics 5: Invest substantially in funds that target positive sustainable outcomes 6: Seek to support sustainable solutions to environmental and social challenges 7: Exclude or normally avoid exposure to unsustainable activities 24 Managed portfolios – Aim to achieve capital growth over a period of five years or more 24 Responsible portfolios – Aim to achieve capital growth over a period of five years or more – Manage the environmental, social and governance (“ESG”) risk of the portfolio and maintain a smaller carbon footprint than the reference index – Invest at least 50% in funds that pursue explicit environmental and/or social targets or characteristics 8 Sustainable portfolios – Aim to achieve capital growth over a period of five years or more – Manage the environmental, social and governance (“ESG”) risk of the portfolio and maintain a smaller carbon footprint than the reference index – Minimise exposure to unsustainable activities – Support sustainable solutions to environmental and social challenges A wide range of portfolios to meet your clients’ unique needs We have designed 56 different portfolios within WealthSelect that enable you, within one investment solution, to select a portfolio which aligns with your clients’ preferences today, while having the flexibility to adapt in the future. The WealthSelect portfolios offer different options across a broad range of Environmental, Social and Governance (ESG) considerations, so that you have the flexibility to tailor your clients’ investment solutions based on their preferences. Our focus on credible, thorough ESG integration means you can be confident that the integrity of our approach can be clearly evidenced to you, your clients, and the regulator. The WealthSelect portfolios are available across eight different risk levels that target a specific range of volatility and, depending on your clients’ responsible investing preferences, provide a choice of active, blend, or passive investment management. WealthSelect responsible investment attributes Where indicated, each portfolio will adhere to the following attributes: Managed portfolios Responsible portfolios Sustainable portfolios * *At least 50% of the assets in the Responsible portfolios will be in funds that pursue explicit environmental and/or social targets or characteristics.

Our established investment process To deliver a solution that meets your clients’ investment goals, WealthSelect is built upon an established, successful investment process, dedicated to building long-term wealth. The portfolio management team integrate and draw on expertise from across Quilter at every stage of the investment process. This means you have access to the wealth of Quilter’s investment experience to deliver exceptional outcomes for your clients, all for a highly competitive cost. Portfolio rebalancing The portfolios are rebalanced every quarter to ensure they stay in line with their objectives, but the portfolio management team have discretion to rebalance the portfolios whenever necessary. Research and due diligence Expert research is undertaken by our dedicated team. All funds pass our proprietary screening criteria and our ongoing due diligence process ensures the funds behave and perform as expected. Asset allocation The WealthSelect portfolios use a disciplined, long-term asset allocation approach designed to maximise the potential return for an expected level of risk. ESG integration We’ve integrated ESG throughout our investment process to offer portfolios with specific objectives that provides you with the flexibility to adapt to your clients’ ESG preferences. Manager Selection The portfolio management team have the flexibility to invest with our WealthSelect Global Partners and across the whole of the market to unlock the best opportunities, meaning your clients benefit from a highly-tailored solution. Risk management The investment risk team monitor the portfolios against their risk limits and regularly review the validity of the risk models using market data and analysis. Governance and oversight To ensure high standards of governance, WealthSelect and our WealthSelect Global Partners are overseen by both the Quilter Investment Platform Limited Board and Investment Oversight Council. 6 WealthSelect Managed Portfolio Service Our investment process For full details on our investment process please see our due diligence guide.

Quilter 7 The WealthSelect Managed portfolios are able to select from the widest investment universe, compared to the WealthSelect Responsible and WealthSelect Sustainable portfolios. As portfolios adhere to more ESG or sustainable attributes, the choice of investments becomes smaller. Fund universe Managed Portfolios Responsible Portfolios Sustainable Portfolios Funds that are purely focused on investment returns. They may consider ESG factors, but we do not consider them leaders and ESG factors are not treated as particularly material Funds that Quilter regards as leaders in ESG integration but do not have explicit environmental and/or social targets Funds that Quilter regards as leaders in ESG integration and pursue explicit environmental and/or social targets Funds that target sustainable outcomes as a core part of the strategy (and usually are also assessed as leaders in ESG integration The portfolio invests substantially in these funds as they are most closely aligned to its objectives Although not part of the portfolio’s core investment universe, these funds may be important to help to achieve its objectives The portfolio may invest in these funds to some degree, where we believe there is a strong investment justification These funds may be held to a limited degree, and only where necessary to achieve an appropriately diversified portfolio Table key WealthSelect investment universe The WealthSelect portfolios will invest in different types of funds and in different proportions to achieve their objectives. The below table shows the different funds and how substantially they make up each portfolio’s holdings. Responsible investment The portfolio management team is supported by a dedicated responsible investment team. The team of analysts focus on voting, engagement, stewardship, fund analysis, and data. Meanwhile, the investment fund research team already has a dedicated ESG lead and each team member has the specific responsibility to review and incorporate ESG integration into their fund assessment work. Across Quilter, we also have a number of people whose roles now incorporate significant ESG responsibilities.

8 WealthSelect Managed Portfolio Service Supporting your clients We have built our service with your clients in mind, providing them with tailored solutions that enable them to make the most of their investments. With WealthSelect your clients can enjoy: Choice underpinned by expertise: We offer a wide range of portfolios to meet your clients’ unique needs all managed by our team of investment experts. Your clients can be reassured that their investment is being constantly monitored and actively managed to ensure it meets its objectives. Easy to access information: Quilter’s recently upgraded platform provides your clients with intuitive access to view their investments online. You can also provide high-quality, personalised quarterly reports that can be co-branded with your business. Family wealth planning: Our family linking and intergenerational tax wrappers along with the widest range of trusts in the market enable you to provide your clients with the best methods for building intergenerational wealth, all within the convenience of Quilter’s investment platform.

Quilter 9 Supporting you and your business We’ve designed our WealthSelect Managed Portfolio Service to provide you with a high-quality solution to meet your clients’ investment goals and deliver exceptional outcomes. With WealthSelect, you can enjoy: We manage all the fund research, monitoring, asset allocation, rebalancing, governance, and reporting for you. This means, you can dedicate more time to your clients’ financial planning needs and building long-term, valuable relationships. We’ve worked hard to integrate WealthSelect with all the client reporting tools and services on the Quilter Investment Platform. WealthSelect Outsourcing can lower your regulatory risk and reduce the administration for your business and your clients. All parts of the advice value chain have had to reassess the issue of cost - both in terms of justifying value to your clients, but also in evaluating the time and resources required to deliver services. WealthSelect could help you streamline your processes, and manage costs, while still delivering the right outcomes for your clients. Increased value Reduced regulatory risk More time for your clients

10 WealthSelect Managed Portfolio Service WealthSelect has been hugely successful, and we are proud of the relationships we have built with advisers. The new portfolios and tools are the next of many innovations to make your life easier and help you deliver an exceptional service to even more of your clients. Speak to our team today We look forward to welcoming you to WealthSelect. Our team are dedicated to making sure your journey with us is as smooth as possible, so get in touch with your local consultant to find out more about how WealthSelect can meet the needs of you and your clients. Find the phone number for your local consultant 1. Simply open the camera app on your phone 2. Tap to open the website 3. Call the direct number for your local consultant 0808 171 2626 platform.quilter.com/ wealthselect [email protected] Steven Levin CEO, Quilter Investment Platform

SK25730 /221-1314 Approved for 12 months from March 2022 Important information Further information on the WealthSelect Managed Portfolio Service can be found at platform.quilter.com/wealthselect Past performance is not a guide to future performance and may not be repeated. Investment involves risk. The value of investments and the income from them may go down as well as up and investors may not get back the amount originally invested. Because of this, an investor is not certain to make a profit on an investment and may lose money. Exchange rates may cause the value of overseas investments to rise or fall. platform.quilter.com Please be aware that calls and electronic communications may be recorded for monitoring, regulatory and training purposes and records are available for at least five years. Quilter Investment Platform Limited and Quilter Life & Pensions Limited are registered in England and Wales under numbers 1680071 and 4163431 respectively. Registered Office at Senator House, 85 Queen Victoria Street, London, United Kingdom, EC4V 4AB. Quilter Investment Platform Limited is authorised and regulated by the Financial Conduct Authority. Quilter Life & Pensions Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Their Financial Services register numbers are 165359 and 207977 respectively. VAT number 386 1301 59. Quilter uses all reasonable skill and care in compiling the information in this communication and in ensuring its accuracy, but no assurances or warranties are given. You should not rely upon the information in this communication in making investment decisions. Nothing in this communication constitutes advice or personal recommendation. Data from third parties (“Third-Party Data”) may be included in this communication and those third parties do not accept any liability for errors and omissions. Therefore, you should make sure you understand certain important information, which can be found at platform.quilter.com/third-party-data . Where this communication contains Third-Party Data, Quilter cannot guarantee the accuracy, reliability or completeness of such Third-Party Data and accept no responsibility or liability whatsoever in respect of such Third-Party Data. The WealthSelect Responsible Blend and Passive portfolios include exchange-traded funds (ETFs) within their target asset allocations. These ETFs can only be traded in whole shares, which means the amount an investor purchases/sells might be slightly higher or lower than intended. It could even result in no shares being purchased if the investment amount is less than the cost of one share. When investing in a WealthSelect Responsible Blend or WealthSelect Responsible Passive portfolio, we therefore recommend a minimum investment amount of £10,000 to ensure that sufficient ETF shares can be purchased. Any residual value will be held as cash within the portfolio, where it would remain until the next rebalance. Please also note that in order to facilitate trading in ETFs we need to have the National Insurance Number (for individuals) or Legal Entity Identifier (for entities) captured within our systems. Without these details a customer will not be able to invest in the WealthSelect Responsible Blend or Passive portfolios. Additionally, as ETFs are not available within our Collective Investment Bond (CIB) the WealthSelect Responsible Blend and Passive portfolios are not available within the CIB.