Before we start

This advice service is for people seeking effective and low cost investment management of their disposable income and/or capital. This service does not offer a holistic assessment of your financial situation or take into account any existing investments that you may hold.

This service offers investment through General Investment Accounts (GIAs) and Individual Savings Accounts (ISAs). If you are employed, your employer will offer a workplace pension. This could be a better way to save for many people. Pensions and ISAs have different advantages depending on your circumstances. If you wish to apply for a regulated pension product, you cannot do so via this service and should contact us.

Unless an Ethical Investment Solution has been selected, our investment managers have the flexibility to invest in a wide range of potential investments which are unconstrained by ethical criteria. If this concerns you, please contact us.

This service does not consider suitability with any existing investments you may already have. If you are unsure or if you would like existing investments taken into account, please contact us.

Before committing to any investment you should be happy that your priority needs have been met. This means you should ensure that:

• You have adequate access to liquid cash - typically a minimum of 3 months' essential expenditure.
• You have adequate and appropriate financial protection for you and your family. This may include ensuring that any mortgage is repaid on death or serious illness, or that you have replacement income should you be unable to work.
• You do not have existing debts that would be better repaid or reduced - we typically suggest that debts are repaid before you invest.

If you have any doubt whether your priority needs have been met, please contact us.

The return you hope to achieve from your investment is, to a large extent, determined by the risk that you choose to take. Risk is an unavoidable component of investing in stock market linked investments. Before proceeding you should accept and agree that your investment may go down as well as up.

We encourage you to answer as accurately as possible to get the best from the final investment recommendation.