The FSA is the independent watchdog that regulates financial services. This document has been designed to be given to consumers considering buying certain financial products. Use this information to decide if our services are right for you.

Client Categorisation
You will be treated as a “Retail Client”. This will afford you the highest duty of care under the terms of the Financial Services and Markets Act 2000.

Your Aims and Objectives
Our aim is to build a long-term relationship with you as your financial planner. This may include your family and business interests where appropriate so that we can help you to secure your financial future. Because we are Independent, we look after your best interests and not that of any third party. Any advice or recommendations will only be given to you after we have assessed your needs and discussed with you your financial objectives together with your attitude to any risks that may be involved.

Client Care and the Review Process
We will require you to provide up to date and accurate information of your personal circumstances and financial planning objectives. We will then provide you with a financial plan in writing clearly documenting our recommended course of action. Our recommendations will be made on the basis of the written information provided by you and will take into account the objectives stated by you.

Full details of the products we may recommend to you including, for example, the minimum duration of the product, information on the right to cancel or whether no right to cancel arises, and any other early termination rights and penalties, will be covered in the relevant product disclosure information you will receive before conclusion of any contract.

We will issue any documentation/recommendations and any other communication to you in English (unless agreed otherwise).

We will agree what type of ongoing service, frequency of review and support suits your needs before you proceed with any advice.

Our Remuneration
We believe in complete transparency, which is why we tell you about everything we do. This includes how we are remunerated. Unlike some banks, financial advisers or stockbrokers we do not levy high upfront commissions. You simply pay a fee to receive a financial plan and we take a fee or commission payment on implementation of the advice.

We will not charge you anything until you have agreed how we are paid and signed a remuneration agreement.

Our fees are separated into the advice process, the implementation process, and the ongoing advice fee which are explained in the supplementary remuneration sheet.

There is no additional cost to you for using a means of distance communication.

Care of Documents
We will register all investments in your name unless otherwise agreed in writing. All contract notes and documents of title in respect of your investment will be forwarded to you, unless otherwise instructed in writing, as soon as practicable after being received by us. Where a number of documents relating to a series of transactions are involved, the documents will normally be retained by us until the series is complete and then we shall forward them to you. We do not otherwise offer clients a safe custody service. In some cases documents may be sent to you by the insurance company or investment manager.

Conflicts of Interest
We offer independent advice, but occasions can arise where we or one of our other customers will have some form of interest in business, which we transact for you. If this happens or we become aware of that interest or those of one of our customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions.

Treating Customers Fairly
We are committed to providing the highest possible levels of service to our clients. As part of this we wish to ensure you understand the services we provide and their associated costs. This should allow you to make an informed decision about the services you wish to purchase. This empowerment forms part of our ethos and culture.

This ethos carries over into our recommendations where we will provide you with the necessary information to enable you to make informed decisions as to the approach to take to achieve your objectives.

We have embraced the Financial Services Authorities ‘Treating Customers Fairly’ principle and would welcome any feedback you have on any element of our service that justifies comment, whether positive or negative. This will help us to ensure we are providing the services clients require and improve upon any areas about which you may have a concern. Although we have a complaints procedure, as detailed below, we would rather that clients are satisfied and raise any concerns prior to there being a problem.

Please feel free to speak to your Financial Planner or a member of the board at any time.

Risk Warnings
With the best will and intention unfortunately not everything is within our control. The financial markets and world events are notable matters that can impact on the recommended approach to your achieving your objectives. It should be noted that products are very rarely guaranteed and therefore there is an inherent risk in all products. By “risk”, we mean the possibility that a product will not achieve the stated objective.

Please be aware that investments can fall as well as rise, and that you may not get back the full amount invested.

The price of investments we may recommend may depend on fluctuations in the financial markets, or other economic factors, which are outside our control. Past performance is not necessarily a guide to future performance. Specific warnings relevant to the investments, or investment strategies, we recommend will be confirmed to you in your Financial Plan.

Although we will explain the risk of the product as part of our advice process (with the exception of execution only transactions) you should always ensure you have understood the risk associated with the product/service. If you are unsure about the way the product or recommendations works, or require any further clarification please ensure that you raise this with your Financial Planner.

Cancellation Rights
In most cases you can exercise a right to cancel, by withdrawing from the contract recommended to you. In general terms you will normally have a 30 day cancellation period for a life, pure protection, payment protection or pension policy and a 14 day cancellation period for all other policies. In most instances, you will not be able to exercise a right to cancel a mortgage contract, unless the contract is concluded at a distance (i.e. no face to face advice), at which point you may have a 14 day cancellation period.

The start of the cancellation period will normally begin, for pure protection policies, when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. In other cases, the cancellation period will begin on the day the contract is concluded or, if later, the day on which you receive the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product disclosure information which will be issued to you.

Termination
Our authority to act on your behalf can be terminated at any time in writing, without penalty by either party and without prejudice. Termination is without prejudice to any transactions already initiated which will be completed according to these terms unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees outstanding, where applicable.

Client Money and Assets
We are not authorised to handle client money or assets. Cheques should only be made payable to the firm where this is in settlement for a fee where an invoice has been issued.

UK Money Laundering Regulations
We are obliged to conform with the UK Money Laundering Regulations 2003 and to the Joint Money Laundering Steering Group guidance notes, which require financial institutions to verify the identity and place of residence of each client. We may also request that you inform us how any monies being invested were obtained. This process may require sight of certain documentation. If you provide false or inaccurate documentation and we suspect fraud or money laundering, we will record this. We take no responsibility for any delay in investing where money laundering verification is outstanding.

Complaints and Your Protection
If you wish to register a complaint, please contact us.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. A copy of our internal complaints handling procedure is available on request from the Compliance Officer at the above address.

Further information about compensation scheme arrangements is available from the FSCS. www.fscs.org.uk

Please be assured we treat complaints very seriously.

Compensation Scheme
We are covered by the Financial Services Compensation scheme (FSCS) if we cannot meet out our obligations. This is dependent upon the type of business and the circumstances of the claim. Further information about this compensation scheme arrangement is available from the FSCS.

Records
The information you provide to us will be held in accordance with the Data Protection Act 1998. We will only use the data in relation to work that we carry out for you. We may also share data within the firm or with third parties for the purpose of carrying out work for you. Third parties may also supply information to us about existing products, but only if they were arranged by us.

When you disclose to us data about an individual other than yourself (including but not limited to members of your family) you confirm that you have informed them of our identity as data controllers in relation to their data and the purposes for which that it may be used, and give us consent on their behalf for such usage.

We and other parts of Financial Management Bureau may as part of the service we offer, wish to send you information by post, e-mail, or contact you by telephone with information in relation to products or services we think maybe of interest to you.

If you would prefer that your data is not used in this way, please tick the box when returning your signed agreement.

All our records will be retained for a minimum of six years, or longer as specified by our regulators. If you are not happy with this arrangement and wish us to dispose of the information earlier you need to inform us of this in writing.

Authorised and Regulated by the Financial Services Authority. Registered in England & Wales No. 2089786 Registered office address as above.