As with all businesses there are certain documents and key information which needs to be readily available and so this section contains that which we believe you may wish to have to hand without searching  through all your papers. The main documents are our Terms of Business and the Key Facts About Out Services.

These and others throughout the site are available in pdf format. The free reader software is already very common, if you do not have a copy installed on your computer it can be easily downloaded by clicking here.

There are a number of links to organisations involved in the financial sector, including The Financial Services Authority who authorise and oversee the financial world in the UK, the Federation of Small Businesses who help to share information which is often of use to smaller firms.

Life carries many risks, some of which are more easily measurable, others are less tangible. Below are some facts you should consider: 

Risk Warnings
You are advised that because investments can fall as well as rise, you may not get back the full amount invested. Past performance is not a guide to future performance. Please also consider the following:

Overseas securities & investments
Our recommendations may on occasions involve transactions in securities that are not traded on a recognised investment exchange or regulated market. Your legal rights and consumer rights may be limited particularly if the market is overseas.

Currency fluctuations & exchange rates
If funds are received in a currency other than the investment currency, there will be an exchange rate conversion using rates applicable at that time. Please also bear in mind that currency fluctuations could have a negative effect on the value of your investment at any given time.

Non-readily realisable (illiquid) investments
Our recommendations may on occasions involve transactions in non-readily realisable (illiquid) investments. These are investments where the market is limited or could become so. They can be difficult to deal in and sometimes it is difficult to assess what would be proper market price for them. Examples would be property investment in a SIPP or SSAS.

Regulated Mortgage Contracts
Our assessment of whether you can afford to enter into a regulated mortgage contract is based on your current circumstances and on current interest rates, both of which may change in the future. You need to be aware that such variables may affect your ability to meet the mortgage payments, which could result in your property being repossessed. Remember

I. Your home may be repossessed if you do not keep up repayments on your mortgage. The actual rate available will depend upon your circumstances. To understand the features and risks, ask for a personalised illustration.

II. Debt consolidation: think carefully before securing other debts against your home.

III. Foreign currency mortgages: changes in the exchange rate may increase the sterling equivalent of your debt.

We try very hard to ensure you receive the service you want and expect, but occasionally there a matter may arise with which you are not immediately entirely satisfied.

Complaints Procedure
The firm maintains an internal written complaints procedure, details of which are available on request. If you have a complaint (whether oral or written) about the firm or a service it has provided then this should first be directed to our complaints officer at our offices. We promise to deal with your complaint in a fair and objective manner. Our “Key Facts about our services” document has more information.