Restricted advice

If we give you advice, it will normally be on investments from a restricted number of products and product providers that we have assessed as suitable.

We may also give you advice, in limited circumstances and only if you have asked about products and product providers which we have not assessed.

As a result, our advice will be ‘restricted’ as defined in the FCA Rules and not independent advice as also defined in the FCA Rules. Restricted advice is advice that is not based on an analysis of products or investments from the entire range of products and providers. For Collective Investment Schemes such as OEICs or Unit Trusts we will continue to research and make recommendations from the whole of the market unless we inform you differently.

You should consider these restrictions carefully before deciding whether to use our advisory or portfolio services.