Financial Risks

In this website we are not recommending any financial products. We prefer to talk with you and conduct our research before we go down that route. Explaining financial risks is crucial in this process. Here are some of the most important warnings that we are likely to provide you with:

Mortgages: Your home may be at risk if you do not keep up payments on your mortgage. Some of the mortgages we recommend are not regulated by the Financial Services Authority, we will give you further information as to how this affects you should it become necessary.

Investments: Many investments are backed by assets such as stock market shares, bonds and property. These assets are subject to movements in their market value. In this way, the value of your capital (and any income derived from it) is not guaranteed and may fall as well as rise.

Retirement Planning: There are many factors that can affect the income you receive in retirement. These include contribution levels, investment returns and prevailing economic and social conditions at the time of retirement. You should review your retirement plans on a regular basis.

Taxation: Any potential tax benefits to you depend upon a full evaluation of your personal circumstances.

Insurance Policies: If you do not fully disclose all requested information at outset, future claims may be refused.

Clarification: If you do not understand any aspect of the information we provide you with, please do contact us for clarification before you take any decision affecting your future. It is our job to present you with information that is helpful and understandable so that you can take an informed decision. We will gladly change the way we present the information required if you feel it is not clear.