We want to ensure that you fully understand how our investment service is provided to you and the terms and conditions of the service. Please ensure that you review the documents below before you take out an investment with us. Thank you.

Key Facts about our Services and Costs

Terms of Business

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Posts Tagged "FAQ’s"

What are ethical investments?

Ethical Investment also known as sustainable, socially conscious, “green” or Socially responsible investing (SRI), is any investment strategy which seeks to consider both financial return and social good. In general, socially responsible investors encourage corporate practices that promote environmental stewardship,...
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What is a Discretionary Fund Manager?

A Discretionary Fund Manager is an Independent Fund Manager that runs a bespoke portfolio for individual clients.

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What is a SIPP?

A Self Invested Personal Pension. This is a pension scheme that allows you to invest in a whole range of funds and other assets not just those of Insurance Company. You can also appoint a Discretionary Fund Manager to manage…

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Why Should I Make A Will?

Making a Will ensures that your wishes are carried out after you die.  If you die intestate (without a Will) the Rules of Intestacy from 1925 apply and decide who inherits your possessions after you die. Relying on this law…

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What is auto enrolment?

Automatic enrolment is a government initiative designed to encourage saving for retirement. It started in October 2012 and is being rolled out across the UK so that by 2018 all employers will have to provide a workplace pension which eligible...
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What is Lifetime Allowance (LTA)?

There’s also the Lifetime Allowance (LTA), which is the maximum you can have in all your pensions without paying extra tax. For most people, from 6th April 2015 the LTA is £1.25m. In the 2015 Budget it was announced that...
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What is an Offshore Bond?

This is a tax sheltered investment wrapper based outside of the UK, but available to UK investors. It offers certain advantages to UK investors and Trusts. The offshore bond allows greater tax efficiency as the growth on the bond ‘rolls...
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What is an Investment Bond

An investment bond is a single premium life insurance policy that can hold numerous investment funds in one place. The attachment of life insurance means trust planning is available. It is a long term financial commitment but has no fixed...
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What defines a Key Person in a Business?

As the name suggest, a key person in a business is an individual whose skills, knowledge, experience and/or leadership are important to the continued financial success of the business. Some examples of the roles that key people fulfil will include (but...
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What is Key Person Insurance?

Key Person Protection (Profit Protection) helps safeguard a business against the financial effects of death, terminal illness, or critical illness* of a key person. The loss of a key person may have a negative impact of the profitability of the business...
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