Common use of Our advice Clause in Contracts

Our advice. We offer independent investment advice. This means that we consider a wide range of financial strategies and products. We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients. Where we recommend particular investment strategies and products to you, these will be selected based on your personal circumstances, financial goals and objectives. We’ll consider a number of factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product and how much of a drop in its value you could withstand. The areas we can advise on include:  Life assurance  Unit trusts  Investment bonds  Open ended investment companies  Pensions  ISAs  Annuities  Term assurance  Phased retirement & income drawdown  Critical illness cover  Long term care  Income protection We don’t provide advice in relation to individual share holdings. If this is something you need assistance with, we can refer you to a stockbroker. We don’t provide advice on options, futures and other derivative contracts as we believe that these are unlikely to be suitable for our clients For further details please refer to our client prospectus. Where we provide protection planning services we are an insurance intermediary and will provide advice which is based on a fair and personal analysis of the market.

Our advice. We offer independent investment advice. This means that we consider a wide range of financial strategies and products. We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients. Where we recommend particular investment strategies and products to you, these will be selected based on your personal circumstances, financial goals and objectives. We’ll consider a number of factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product and how much of a drop in its value you could withstand. The areas we can advise on include:  • Life assurance  • Unit trusts  • Investment bonds  • Open ended investment companies  • Pensions  • ISAs  • Annuities  • Term assurance  • Phased retirement & income drawdown  • Critical illness cover  • Long term care  • Income protection We don’t provide advice in relation to individual share holdings. If this is something you need assistance with, we can refer you to a stockbroker. We don’t provide advice on options, futures and other derivative contracts as we believe that these are unlikely to be suitable for our clients For further details please refer to our client prospectus. Where we provide protection planning services we are an insurance intermediary and will provide advice which is based on a fair and personal analysis of the market.