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Fax: 0192 575 9730

Scope of our investment advice

Our investment advice is independent and on an unrestricted basis.

Whenever we offer specific advice to clients, we will always ensure that:

  • It is supported with all the detail necessary for our clients to make an informed decision as to whether or not they should adopt the advice.
  • In particular there will be transparency about all of the costs involved – not only our own adviser fees, but also those of any additional third parties, such as investment fund managers, product providers and electronic trading platform operators.
  • We will also advise on any tax implications in what is being recommended.
  • And there will be an assessment of the risk factors involved.
  • In fact we always ensure that clients are comfortable with whatever we recommend.

On all transactions that we arrange for clients, they will be advised whether or not:

  • Statutory cancellation rights apply.
  • Solvency protection from the Financial Services Compensation Scheme applies.

The types of product on which we can offer advice are:

  • Bank and building society accounts.
  • National Savings accounts.
  • Certain types of life assurance policies (those that include an investment element).
  • Life assurance company investment bonds.
  • Annuities.
  • Pension plans (including pension transfers and “income drawdown” arrangements)
  • Individual savings accounts (“ISAs”).
  • Investment trusts.
  • Unit trusts.
  • Open-ended investment companies (“OEICs”).
  • Investment companies with variable capital (“ICVCs”)
  • Exchange traded funds (“ETFs”)
  • Enterprise investment schemes (“EIS”)
  • Venture capital trusts (“VCT”)
  • Business relief schemes (for Inheritance Tax planning).
  • Structured products.

The types of product on which we do not offer advice are:

  • Motor, home, travel, sickness and accident insurances.
  • Certain types of life assurance policies (those offering protection only).
  • Mortgages (including “equity release schemes”).
  • House purchase (including “buy-to-let”).
  • Individual holdings of stocks and shares.
  • Options, futures and other Stock Exchange derivative trading instruments.
  • Long-term care arrangements.